Median $1bn+ FDIC filer loan-to-deposit ratio
Median $1bn+ FDIC filer loan-to-deposit ratio is a source-faithful PIER20 calculation from FDIC data. Scope: Quarterly cross-sectional median of FDIC financial filers with at least $1 billion in reported total assets in that current quarter. Required prior comparison records may be below $1 billion. It follows the published eligibility, denominator, missing-value, revision and coverage rules in the Phase 1 computation contract.
- Latest
- 86.69
- 1Y change
- +0.7%
- vs median
- +0.4%
- Percentile
- 58th
- High in available history
- 90.05
| Series | First | Latest | Min | Max |
|---|---|---|---|---|
| PIER20 calculation: Median $1bn+ FDIC filer loan-to-deposit ratio | 90.05 | 86.69 | 73.43 | 90.05 |
How this is calculated
Cross-sectional median across eligible banks of: 100 × net_loans_and_leases / total_depositsCross-sectional median across eligible banks of: 100 × net_loans_and_leases / total_deposits. Scope: Quarterly cross-sectional median of FDIC financial filers with at least $1 billion in reported total assets in that current quarter. Required prior comparison records may be below $1 billion. Source: FDIC. This is a PIER20 calculation, not an FDIC rating or regulatory determination. Source period, last checked, dataset vintage, units, revision status, coverage and formula version are recorded in the derived artifact.
As of Q1 2026, the latest reading is 86.69%. That is up 0.6 pp over the past year and above its long-run median of 86.36%.
Frequently asked questions
3 answersWhat is the current median $1bn+ FDIC filer loan-to-deposit ratio?
As of Q1 2026, the latest reading is 86.69%. That is up 0.6 pp over the past year and above its long-run median of 86.36%.
How often is this benchmark updated?
This benchmark is built on quarterly data. The page is refreshed when the source publishes new observations; the freshness block below the chart shows the exact data-through date and when PIER20 last fetched the file.
What data sources does this chart use?
The chart is built from PIER20 calculation: Median $1bn+ FDIC filer loan-to-deposit ratio, sourced from the Federal Deposit Insurance Corporation (FDIC).