Short version: Of the 1,792 US banks holding at least $500M in assets that reported a year of deposit history for Q2 2026, the 50th-fastest came in at +41.81%. The median across the same group was +4.78%. The top of the table is Versabank USA of Holdingford, MN at +564.73%.
What you are looking at
Deposit growth is the year-on-year change in total deposits. It is the single most watched line in banking right now, because funding has been the binding constraint since 2023: a bank that is winning deposits can lend, and a bank that is not cannot, whatever its margin looks like.
Read it with the assets column beside it. Deposits and assets rising together by a similar large amount is almost always an acquisition or a charter consolidation rather than a branch out-competing the bank across the street.
The ranking is built from the FFIEC call reports filed for the period ending June 30, 2026 - the same data the BankingLens dashboard serves, not a sample. Two screens are applied before anything is sorted. Banks under $500M in total assets are left out, because at that size a single lumpy quarter moves a ratio further than any strategy would and a national list becomes a list of accidents. And a charter has to be in the banking business to be ranked: deposits worth at least a quarter of its assets, or loans worth at least a quarter of its assets. That second screen removes 11 trust and custody charters this quarter, whose ratios are arithmetic rather than performance.
1,792 banks clear both screens and reported a year of deposit history this quarter. 38 of the 50 below link to their own page, where the same figures sit beside the rest of the call report.
The 50 banks, ranked
Click a column header to sort. Deposits YoY is the headline number; Assets YoY is the tell for an acquisition: in a merger the deposit and asset columns move together.
| # | Bank | HQ | Asset band | Deposits YoY | Assets YoY | Assets |
|---|---|---|---|---|---|---|
| 1 | Versabank USA | Holdingford, MN | $500M - $1B | +564.73% | +332.97% | $912M |
| 2 | Beacon Bank & Trust | Boston, MA | $10B - $100B | +302.01% | +260.29% | $22.2B |
| 3 | Nave Bank | San Juan, PR | $500M - $1B | +148.92% | +114.15% | $555M |
| 4 | Fm Bank and Trust | Blytheville, AR | $1B - $3B | +136.21% | +141.89% | $1.4B |
| 5 | Pinnacle Bank | Nashville, TN | Over $100B | +125.94% | +135.49% | $128.8B |
| 6 | Servbank | Oswego, IL | $1B - $3B | +123.20% | +82.49% | $1.7B |
| 7 | Maverick Bank | Fort Davis, TX | $500M - $1B | +119.24% | +122.07% | $809M |
| 8 | Central Penn Bank & Trust | Mifflinburg, PA | $1B - $3B | +117.83% | +102.20% | $1.3B |
| 9 | Column | Chico, CA | $1B - $3B | +114.69% | +112.10% | $1.8B |
| 10 | Eagle Rock Bank | Rochester, MN | $500M - $1B | +97.35% | +86.30% | $508M |
| 11 | American Pride Bank | Macon, GA | $1B - $3B | +97.23% | +86.84% | $1.0B |
| 12 | Pibank | Miami, FL | $1B - $3B | +94.11% | +86.19% | $2.4B |
| 13 | Newtek Bank | Miami, FL | $1B - $3B | +91.89% | +83.71% | $2.5B |
| 14 | Sunflower Bank | Dallas, TX | $10B - $100B | +87.03% | +85.83% | $15.7B |
| 15 | Lawrence Bank | Nashville, TN | $3B - $10B | +83.44% | +82.41% | $3.0B |
| 16 | Midwest Heritage Bank, FSB | West Des Moines, IA | $500M - $1B | +79.27% | +56.32% | $768M |
| 17 | Texas Traditions Bank | Katy, TX | $500M - $1B | +74.02% | +66.12% | $556M |
| 18 | Oceanfirst Bank | Toms River, NJ | $10B - $100B | +73.48% | +75.08% | $23.2B |
| 19 | Vallant Bank | Elberton, GA | $3B - $10B | +70.36% | +76.49% | $4.0B |
| 20 | Anchor Bank | Palm Beach Gardens, FL | $500M - $1B | +69.38% | +59.87% | $806M |
| 21 | Nicolet National Bank | Green Bay, WI | $10B - $100B | +68.59% | +72.60% | $15.4B |
| 22 | Ballston Spa National Bank | Ballston Spa, NY | $1B - $3B | +68.58% | +50.06% | $1.4B |
| 23 | Nelnet Bank | Draper, UT | $1B - $3B | +63.52% | +69.61% | $3.0B |
| 24 | Lead Bank | Kansas City, MO | $1B - $3B | +61.35% | +58.29% | $2.8B |
| 25 | Cornerstone Capital Bank, SSB | Houston, TX | $3B - $10B | +59.77% | +59.40% | $3.7B |
| 26 | Capra Bank | Dubuque, IA | $1B - $3B | +57.73% | +74.26% | $1.3B |
| 27 | Sofi Bank | Cottonwood Heights, UT | $10B - $100B | +57.39% | +56.60% | $56.8B |
| 28 | Btg Pactual Bank | New York, NY | $500M - $1B | +57.10% | +144.88% | $978M |
| 29 | Merchants & Marine Bank | Pascagoula, MS | $1B - $3B | +56.78% | +42.22% | $1.3B |
| 30 | Chain Bridge Bank | Mc Lean, VA | $1B - $3B | +54.98% | +51.70% | $2.2B |
| 31 | Liberty Capital Bank | Addison, TX | $500M - $1B | +54.63% | +51.97% | $768M |
| 32 | Climate First Bank | Saint Petersburg, FL | $1B - $3B | +53.81% | +64.60% | $1.9B |
| 33 | Safra National Bank of New York | New York, NY | $10B - $100B | +53.35% | +45.34% | $15.7B |
| 34 | Millennium Bank | Ooltewah, TN | $500M - $1B | +51.38% | +48.40% | $781M |
| 35 | High Plains Bank | Flagler, CO | $500M - $1B | +50.93% | +50.04% | $643M |
| 36 | Square Financial Services, Inc. | Salt Lake City, UT | $1B - $3B | +50.77% | +77.91% | $2.1B |
| 37 | Pacific Coast Bankers' Bank | Walnut Creek, CA | $1B - $3B | +48.62% | -2.79% | $1.2B |
| 38 | First Resource Bank | Lino Lakes, MN | $1B - $3B | +48.48% | +47.38% | $1.1B |
| 39 | Equity Bank | Andover, KS | $3B - $10B | +47.93% | +43.89% | $7.7B |
| 40 | Needham Bank | Needham, MA | $3B - $10B | +47.77% | +44.68% | $7.4B |
| 41 | Credit One Bank | Las Vegas, NV | $1B - $3B | +47.32% | +26.93% | $2.4B |
| 42 | Cornerstone Bank | Spencer, MA | $1B - $3B | +45.15% | +49.01% | $2.6B |
| 43 | Stride Bank | Enid, OK | $3B - $10B | +44.97% | +42.01% | $5.4B |
| 44 | Bank Cmg | Madison, WI | $1B - $3B | +44.65% | +42.48% | $1.1B |
| 45 | Commerceone Bank | Birmingham, AL | $1B - $3B | +44.31% | +39.37% | $1.1B |
| 46 | Patriot Bank | Stamford, CT | $1B - $3B | +43.55% | +42.22% | $1.3B |
| 47 | Fifth Third Bank | Cincinnati, OH | Over $100B | +43.27% | +42.93% | $299.2B |
| 48 | RBC Bank (georgia) | Atlanta, GA | $3B - $10B | +42.71% | +39.74% | $9.6B |
| 49 | Trupoint Bank | Grundy, VA | $500M - $1B | +42.16% | +41.21% | $691M |
| 50 | The Bank of Missouri | Perryville, MO | $3B - $10B | +41.81% | +36.05% | $4.2B |
Source: FFIEC call report data for the quarter ending June 30, 2026. Universe: US banks with $500M or more in total assets that reported a year of deposit history and fund or lend like a bank. Sorted descending.
Leaders by asset size
A single national list on a ratio like this is really a list of business models, and the largest banks and the smallest ones are not competing with each other for anything. These are the leaders inside each asset band, which is the comparison a bank of that size would actually make.
| # | Bank | HQ | Deposits YoY | Assets |
|---|---|---|---|---|
| $500M - $1B · 746 banks · median +4.34% | ||||
| 1 | Versabank USA | Holdingford, MN | +564.73% | $912M |
| 2 | Nave Bank | San Juan, PR | +148.92% | $555M |
| 3 | Maverick Bank | Fort Davis, TX | +119.24% | $809M |
| 4 | Eagle Rock Bank | Rochester, MN | +97.35% | $508M |
| 5 | Midwest Heritage Bank, FSB | West Des Moines, IA | +79.27% | $768M |
| $1B - $3B · 625 banks · median +4.90% | ||||
| 1 | Fm Bank and Trust | Blytheville, AR | +136.21% | $1.4B |
| 2 | Servbank | Oswego, IL | +123.20% | $1.7B |
| 3 | Central Penn Bank & Trust | Mifflinburg, PA | +117.83% | $1.3B |
| 4 | Column | Chico, CA | +114.69% | $1.8B |
| 5 | American Pride Bank | Macon, GA | +97.23% | $1.0B |
| $3B - $10B · 263 banks · median +5.42% | ||||
| 1 | Lawrence Bank | Nashville, TN | +83.44% | $3.0B |
| 2 | Vallant Bank | Elberton, GA | +70.36% | $4.0B |
| 3 | Cornerstone Capital Bank, SSB | Houston, TX | +59.77% | $3.7B |
| 4 | Equity Bank | Andover, KS | +47.93% | $7.7B |
| 5 | Needham Bank | Needham, MA | +47.77% | $7.4B |
| $10B - $100B · 126 banks · median +5.83% | ||||
| 1 | Beacon Bank & Trust | Boston, MA | +302.01% | $22.2B |
| 2 | Sunflower Bank | Dallas, TX | +87.03% | $15.7B |
| 3 | Oceanfirst Bank | Toms River, NJ | +73.48% | $23.2B |
| 4 | Nicolet National Bank | Green Bay, WI | +68.59% | $15.4B |
| 5 | Sofi Bank | Cottonwood Heights, UT | +57.39% | $56.8B |
| Over $100B · 32 banks · median +4.33% | ||||
| 1 | Pinnacle Bank | Nashville, TN | +125.94% | $128.8B |
| 2 | Fifth Third Bank | Cincinnati, OH | +43.27% | $299.2B |
| 3 | Morgan Stanley Bank | Salt Lake City, UT | +39.32% | $419.3B |
| 4 | The Huntington National Bank | Columbus, OH | +35.67% | $283.1B |
| 5 | Goldman Sachs Bank USA | New York, NY | +21.27% | $758.8B |
Why the top of the list looks like this
The very top of this table is usually inorganic. A completed merger moves a year-on-year deposit line by a multiple that no amount of deposit gathering could, and a newly funded charter that started the year near zero can post a number in the hundreds of percent that says nothing about its franchise. Neither is hidden here - both are real filings, and the assets column makes them easy to spot - but neither is what most readers mean by deposit growth.
Below that, the growth divides by strategy. Banking-as-a-service and payments banks take deposits through partner platforms, which arrive quickly and can leave the same way. Digital-first banks buy growth with rate, which works until it has to be repriced. And a smaller group grows through ordinary commercial relationships, which is slower, cheaper and much harder for a competitor to take back.
The banks worth studying are the ones whose deposits grew materially faster than their assets. That combination means funding arrived ahead of the lending it will pay for, which is the position every bank wants going into a competitive quarter.
What deposit growth does not tell you
Growth says nothing about what the growth cost. A bank can add 20% to its deposits by paying up for brokered and rate-sensitive money, and the bill arrives in the cost of funds rather than here. The two tables are meant to be read together.
Nor does it say anything about stability. Deposits gathered through a single partner platform, or concentrated in a handful of large uninsured balances, can reverse in a quarter. Growth is only an advantage once it has stayed.
Which is why a ranking is a starting point rather than an answer. Every bank above has a page here carrying its full call report picture, and Bank Peer Intel on the dashboard puts each figure against the peer group the bank is actually measured in - percentile rank on every metric, fourteen quarters of trend, and the flags an examiner reaches for first. That is how you tell a structural result from a good quarter.
Methodology
- Universe. Every US bank that filed a call report with the FFIEC for the quarter ending June 30, 2026.
- Size screen. Banks under $500M in total assets are excluded. A ranking of every filer on a raw ratio is topped by institutions small enough for one unusual quarter to move the number more than any decision they made.
- Banking screen. A charter is ranked only if deposits are at least 25% of assets or loans and leases are at least 25% of assets. 11 trust and custody charters over the size floor do neither: they file a call report but hold almost no deposits and make almost no loans, so their ratios are a function of near-empty denominators. Unusual but genuine banks - wholesale lenders, sweep-deposit banks, merchant lenders - clear it.
- Eligible. 1,792 banks cleared both screens and reported a year of deposit history for the quarter.
- Deposits YoY definition. Total deposits at the quarter end against total deposits a year earlier, as filed. Mergers, acquisitions and charter consolidations are included exactly as they appear on the call report, with no adjustment - the assets column is there to make them visible.
- Ranking. Sorted by deposit growth descending. Top 50 shown, plus the top 5 inside each asset band.
- Source. FFIEC Central Data Repository, joined to bank identity - name, city, state, RSSD id and FDIC certificate - from the same filing. Figures are as reported by each institution and are not adjusted or restated.
- Reproducibility. This page is generated by
_tools/seo/build_ranking_pages.mjsfrom the published dataset. It is not hand-maintained, and it carries no figure that was typed in.
Related reading
- What is a good cost of funds for a bank? - what the growth on this page was paid for with.
- What is a good loan to deposit ratio? - whether the deposits are being lent or parked.
- How to build a bank peer group - who your deposits are actually being competed for by.