Luminate Bank: Core Deposit Ratio
Data as of · sourced from FFIEC call reports. How we update
Luminate Bank reported a core deposit ratio of 97.57% as of Q2 2026, ranking #187 of 3,656 U.S. banks (95th percentile). Core deposits are stable, low-cost funding, non-time deposits below the FDIC insurance threshold. The bedrock of the community-bank funding model.
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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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What is Luminate Bank's Core Deposit Ratio?
Luminate Bank's Core Deposit Ratio was 97.57% as of Q2 2026, ranking #187 of 3,656 U.S. banks.
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.
More Luminate Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Luminate Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 16635) · FFIEC NIC profile (RSSD 310754)