# Median $1bn+ FDIC filer loan-to-deposit ratio | PIER20 benchmarks

What does Median $1bn+ FDIC filer loan-to-deposit ratio show?

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.

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%.

## Summary statistics (full history)

| Series | First | Latest | Min | Max |
|---|---|---|---|---|
| PIER20 calculation: Median $1bn+ FDIC filer loan-to-deposit ratio | 90.05 | 86.69 | 73.43 | 90.05 |

## Last 24 readings

| Date | PIER20 calculation: Median $1bn+ FDIC filer loan-to-deposit ratio |
|---|---|
| Q2 2020 | 87.28 |
| Q3 2020 | 86.36 |
| Q4 2020 | 82.58 |
| Q1 2021 | 79.03 |
| Q2 2021 | 77.47 |
| Q3 2021 | 74.74 |
| Q4 2021 | 73.71 |
| Q1 2022 | 73.43 |
| Q2 2022 | 77.07 |
| Q3 2022 | 80.06 |
| Q4 2022 | 83.50 |
| Q1 2023 | 84.06 |
| Q2 2023 | 85.77 |
| Q3 2023 | 86.39 |
| Q4 2023 | 86.97 |
| Q1 2024 | 86.86 |
| Q2 2024 | 88.52 |
| Q3 2024 | 87.31 |
| Q4 2024 | 87.09 |
| Q1 2025 | 86.07 |
| Q2 2025 | 87.54 |
| Q3 2025 | 86.72 |
| Q4 2025 | 87.13 |
| Q1 2026 | 86.69 |

## Frequently asked questions

**What 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).

## Methodology

- Formula: Cross-sectional median across eligible banks of: 100 × net_loans_and_leases / total_deposits
- Frequency: Quarterly
- Sources: PIER20 calculation: Median $1bn+ FDIC filer loan-to-deposit ratio (FDIC-06) https://api.fdic.gov/banks/docs. Data via the Federal Deposit Insurance Corporation (FDIC).
- Data through: Q1 2026
- Last refreshed: 13 Aug 2026

Full interactive chart: https://pier20.com/benchmarks/phase1-fdic-06
Disclaimer: research software output, not investment advice.