Transact Bank, N.A.: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits climbed 9.18 percentage points in Q2 2026, from 33.00% to 42.18%. It was the largest change from Q1 2026 among the key lines here. Transact Bank, N.A. has the 1st lowest total deposits of the 63 banks headquartered in Colorado, at $5.1M as of Q2 2026. Transact Bank, N.A.'s total deposits of $5.1M is well below the $53.8M median for banks in the < $100M asset tier, a gap of 91% (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $5.1M |
| Domestic office deposits | $5.1M |
| Foreign office deposits | — |
| Deposits to total assets | 78.80% |
| Deposits to total liabilities | 94.36% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $2.2M |
| Savings deposits | $0 |
| Transaction accounts to domestic deposits | 64.23% |
| Time deposits | $35K |
| Time deposits under $100k | $0 |
| Time deposits $100k to $250k | $1.8M |
| Time deposits over $250k | $0 |
| Noninterest-bearing share of deposits | 42.18% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $5.1M |
| Core deposits to total deposits | 100.00% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 3.15% |
| Interest expense on deposits | $26K |
| Loans and leases to core deposits | 43.92% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $9.8M | 97.27% | 0.00% | 2.46% |
| Q4 2023 | $5.8M | 95.36% | 0.00% | 2.30% |
| Q1 2024 | $5.1M | 100.00% | 0.00% | 5.31% |
| Q2 2024 | $5.0M | 100.00% | 0.00% | 2.43% |
| Q3 2024 | $4.8M | 93.76% | 0.00% | 1.91% |
| Q4 2024 | $5.2M | 100.00% | 0.00% | 4.73% |
| Q1 2025 | $4.9M | 100.00% | 0.00% | 3.58% |
| Q2 2025 | $4.7M | 100.00% | 0.00% | 3.43% |
| Q3 2025 | $5.8M | 100.00% | 0.00% | 3.79% |
| Q4 2025 | $5.2M | 100.00% | 0.00% | 3.36% |
| Q1 2026 | $5.5M | 100.00% | 0.00% | 3.21% |
| Q2 2026 | $5.1M | 100.00% | 0.00% | 3.15% |
Transact Bank, N.A. deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Transact Bank, N.A., freeSource: Call Report Schedules RC-E and RC-O, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Transact Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13986) · FFIEC NIC profile (RSSD 403254)