The First National Bank of Sparta: Loan-to-Deposit Ratio
Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Sparta reported a loan-to-deposit ratio of 53.12% as of Q3 2026, ranking #3,344 of 3,651 U.S. banks (8th percentile). The Loan-to-Deposit Ratio (LTD) measures loans against deposits. A high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
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What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
Most US community banks report LTD between 65% and 90%. The industry has been gradually de-leveraging. LTD has fallen from ~80% to ~70% since 2007. Banks above 100% are funding loans with non-deposit sources, a more rate-sensitive and lower-quality funding mix.
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What is The First National Bank of Sparta's Loan-to-Deposit Ratio?
The First National Bank of Sparta's Loan-to-Deposit Ratio was 53.12% as of Q3 2026, ranking #3344 of 3,651 U.S. banks.
What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
More The First National Bank of Sparta metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full The First National Bank of Sparta profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 3837) · FFIEC NIC profile (RSSD 246947)