--- title: "Total Deposits: definition, formula, and thresholds" description: "Total deposits is the sum of all money customers have placed with a bank (checking, savings, money market, and time deposits) across domestic and foreign offices. It is a bank's primary and cheapest source of funding." canonical_url: https://www.bankregreports.com/glossary/total-deposits/ source: BankRegReports category: "Liquidity & Balance Sheet" units: "$" schedule: "Schedule RC-E" --- # Total Deposits > Total deposits is the sum of all money customers have placed with a bank (checking, savings, money market, and time deposits) across domestic and foreign offices. It is a bank's primary and cheapest source of funding. ## Formula ``` Total Deposits = Transaction Accounts + Nontransaction Savings + Time Deposits (domestic + foreign) ``` Schedule RC-E details deposits by type and ownership. The total includes noninterest-bearing demand deposits, interest-bearing transaction and savings accounts, money market deposit accounts, and time deposits (CDs), summed across all offices. ## Why it matters Deposits fund the loan book. A large, stable, low-cost deposit base is one of the most durable competitive advantages a bank can have. It lowers the cost of funds and reduces reliance on volatile wholesale borrowing. The 2023 regional-bank failures were fundamentally deposit-runs. ## How to read it Size matters less than composition and stability. Read total deposits alongside the core-deposit ratio (how 'sticky' the base is), the uninsured deposit ratio (run risk), and the loan-to-deposit ratio (how fully the deposits are lent out). ## Thresholds | Range | Reading | What it means | |---|---|---| | Growing, core-funded | Strong | Stable core deposits expanding without heavy brokered/wholesale reliance. | | Stable | Adequate | Flat deposit base roughly matching loan funding needs. | | Declining | Watch | Deposit runoff may force costlier wholesale funding. | | Sharp outflow | Concern | Rapid deposit flight is the classic precursor to a liquidity crisis. | ## Worked example JPMorgan Chase Bank, N.A. held about $2.8 trillion in total deposits at March 31, 2026. What protects it is not the size but the mix, a large share of noninterest-bearing operating accounts that are slow to leave, keeping its cost of funds well below banks that lean on brokered CDs. ## Questions ### Are all deposits FDIC-insured? No. FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Balances above that are uninsured. See the uninsured deposit ratio, which became a closely watched run-risk signal in 2023. ### What is the difference between core and brokered deposits? Core deposits are stable relationship-based balances (checking, savings, small-time deposits). Brokered deposits are gathered through intermediaries chasing rate; they are faster to leave and treated as less stable by regulators. ## Sources - [FFIEC Call Report Schedule RC-E (Deposit Liabilities)](https://www.ffiec.gov/sites/default/files/data/reporting-forms/FFIEC031_FFIEC041_202606_i.pdf) (PDF) - [FFIEC Call Report Schedule RC (Balance Sheet)](https://www.ffiec.gov/sites/default/files/data/reporting-forms/FFIEC031_FFIEC041_202606_i.pdf) (PDF) ## Related metrics - [Core Deposit Ratio](https://www.bankregreports.com/glossary/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. - [Uninsured Deposit Ratio](https://www.bankregreports.com/glossary/uninsured-deposit-ratio/): The Uninsured Deposit Ratio measures deposits above the $250K FDIC insurance threshold as a percentage of total deposits. Made infamous by the Silicon Valley Bank failure in 2023, it captures deposit base run-risk. - [Brokered Deposits](https://www.bankregreports.com/glossary/brokered-deposits/): Brokered deposits are deposits a bank obtains through a deposit broker, a third party that places its customers' money at the bank, instead of directly from depositors. The brokered deposits ratio is brokered deposits divided by total deposits; heavy reliance on them is a supervisory red flag because the money is rate-sensitive and can leave quickly. - [Loan-to-Deposit Ratio](https://www.bankregreports.com/glossary/loan-to-deposit/): The loan-to-deposit ratio (LTD) is a bank's total loans divided by its total deposits, expressed as a percentage. It shows how much of the bank's deposit funding is lent out rather than held in cash and securities. - [Total Assets](https://www.bankregreports.com/glossary/total-assets/): Total assets is the sum of everything a bank owns (cash, securities, loans and leases, premises, and other assets) reported on Schedule RC of the Call Report. It is the headline measure of a bank's size and the denominator behind ratios like ROA and the leverage ratio. ## About this document This is the markdown twin of the page named in `canonical_url` above. Source filings are public record; the cleaning, normalization, cross-source linkage, and derived metrics are BankRegReports' own. Attribute with a link to the canonical URL. Markdown twins are published for editorial content only. Institution data pages do not have them. For data at scale use the API, which is documented at https://www.bankregreports.com/api/ and specified at https://www.bankregreports.com/openapi.json. It returns typed JSON with explicit units and periods, and one call replaces hundreds of page fetches. ## Sitemap - [Glossary](https://www.bankregreports.com/glossary/): every metric, with formula and thresholds - [Blog](https://www.bankregreports.com/blog/): analysis and explainers - [API documentation](https://www.bankregreports.com/api/): the programmatic way to get this data - [XML sitemap](https://www.bankregreports.com/sitemap.xml): the complete crawlable index