Liquidity & Balance Sheet
Deposits per Branch
Also known as Deposits/Branch
Deposits per branch is total deposits divided by the number of physical branch offices — a simple gauge of branch-network productivity and deposit-gathering efficiency.
Formula
Total domestic deposits divided by the count of full-service branch locations (from the FDIC Summary of Deposits).
Why it matters
Branches are a major fixed cost. High deposits per branch indicate an efficient, productive network (or a digital-led model with few branches); low deposits per branch can signal an over-built footprint weighing on the efficiency ratio.
How to interpret
There is no universal target — it scales with market and model. Compare within a peer group: a bank far below peers may be carrying underperforming branches, while a digital-forward bank may post very high figures on a thin branch count. Read with the efficiency ratio and occupancy costs.
Thresholds
| Range | Label | Interpretation |
|---|---|---|
| > $150M | Very productive | Efficient network or digital-led model. |
| $75M–$150M | Solid | Healthy per-branch deposit gathering. |
| $40M–$75M | Average | Typical for a traditional branch network. |
| < $40M | Light | Possible over-built footprint; check efficiency. |
Worked example
Frequently asked
What is a good level of deposits per branch?
It depends entirely on the bank's market and model, so it is best read against a peer group rather than an absolute threshold. A digital-forward bank with a handful of branches can post figures many times a traditional community bank's, without either being mismanaged.
How does this relate to the efficiency ratio?
Branches drive occupancy and staffing costs. Low deposits per branch often coincide with a higher (worse) efficiency ratio because the fixed cost of the network is spread over too few deposits and too little revenue.
Sources
- FFIEC Call Report Schedule RC-E (Deposits)
- FDIC Summary of Deposits
See Deposits/Branch across 4,335 US banks
BankRegReports ranks every FDIC-insured institution by Deposits/Branch, refreshed quarterly within 48 hours of FFIEC release.