Amalgamated Bank — Core Deposit Ratio
Data as of · sourced from FFIEC call reports. How we update
Amalgamated Bank reported a core deposit ratio of 99.40% as of Q1 2026 , ranking #125 of 3,897 U.S. banks (97th percentile) . Core deposits are stable, low-cost funding — non-time deposits below the FDIC insurance threshold. The bedrock of the community-bank funding model.
12-Quarter Trend
National Context
What is the Core Deposit Ratio?
The Core Deposit Ratio measures 'core' deposits — generally non-time-deposits below the FDIC insurance limit — as a percentage of total deposits. Core deposits are the most stable, lowest-cost funding source available to a bank.
Most US community banks report core deposit ratios between 75% and 95%. Above 90% indicates a strong franchise — likely consumer-checking-heavy or relationship-banking-heavy. Below 70% indicates significant wholesale funding reliance (brokered deposits or large time deposits).
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Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Amalgamated Bank profile or how this data updates.