Liquidity & Balance Sheet
Savings Deposits
Savings deposits are interest-bearing accounts without a fixed maturity, including statement savings and money market deposit accounts. They are a core, relatively stable funding source that reprices gradually as rates move.
Formula
Schedule RC-E reports savings deposits within interest-bearing nontransaction accounts. Unlike time deposits, they have no maturity, so customers can withdraw freely — but in practice the balances are sticky and reprice with a lag.
Why it matters
Savings deposits sit between zero-cost checking and rate-chasing CDs: they pay interest but are relationship-based and slow to leave. Their beta — how much their rate rises when market rates rise — is a key driver of how a bank's funding cost behaves in a tightening cycle.
How to interpret
Watch savings balances and their cost together. Stable balances at a low deposit beta signal a strong franchise; a jump in the rate paid, or balances migrating into CDs, signals competitive pressure feeding through to the cost of funds.
Thresholds
| Range | Label | Interpretation |
|---|---|---|
| Large, low-beta | Strong | Sticky savings base repricing slowly. |
| Stable | Adequate | Normal savings contribution to funding. |
| Repricing up | Watch | Rising savings rates lifting funding cost. |
| Migrating to CDs | Concern | Savings draining into higher-cost time deposits. |
Worked example
Frequently asked
Are money market deposit accounts the same as savings deposits?
For Call Report purposes, money market deposit accounts (MMDAs) are reported within savings deposits as nontransaction accounts. They are distinct from money market mutual funds, which are investment products, not bank deposits.
What is deposit beta?
Deposit beta is the share of a market-rate increase that a bank passes through to its deposit rates. A low beta on savings deposits means funding costs rise slowly as rates climb — a sign of pricing power.
Sources
- FFIEC Call Report Schedule RC-E (Deposit Liabilities)
See Savings Deposits across 4,335 US banks
BankRegReports ranks every FDIC-insured institution by Savings Deposits, refreshed quarterly within 48 hours of FFIEC release.