SmartBank: Core Deposit Ratio
Data as of · sourced from FFIEC call reports. How we update
SmartBank reported a core deposit ratio of 88.69% as of Q2 2026, ranking #1,877 of 3,644 U.S. banks (49th percentile). That is up 1.40 percentage points from 87.29% a year earlier, and above the 88.37% median of the 874 Large Community Banks ($1B–$10B in assets). 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 (total deposits less time deposits over $250,000 and less brokered deposits of $250,000 or less) 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 SmartBank's Core Deposit Ratio?
SmartBank's Core Deposit Ratio was 88.69% as of Q2 2026, ranking #1877 of 3,644 U.S. banks.
What is the Core Deposit Ratio?
The Core Deposit Ratio measures 'core' deposits (total deposits less time deposits over $250,000 and less brokered deposits of $250,000 or less) as a percentage of total deposits. Core deposits are the most stable, lowest-cost funding source available to a bank.
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Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full SmartBank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 58463) · FFIEC NIC profile (RSSD 3532641)