Liquidity & Balance Sheet
US Banks with Highest Core Deposit Ratio
#1 Core Deposit Ratio:BESSEMER TRUST COMPANY — 100.00%. Core deposits are stable, low-cost funding — non-time deposits below the FDIC insurance threshold. The bedrock of the community-bank funding model.
| # | Bank | HQ | US Banks with … | Total Assets ($K) |
|---|---|---|---|---|
| 1 | BESSEMER TRUST COMPANY | WOODBRIDGE, NJ | 100.00% | 1,863,938.0 |
| 2 | FARMERS BUILDING AND SAVINGS BANK | ROCHESTER, PA | 100.00% | 120,160.0 |
| 3 | BANK OF NEW YORK MELLON TRUST COMPANY, NATIONAL ASSOCIATION, THE | LOS ANGELES, CA | 100.00% | 1,351,491.0 |
| 4 | NEVADA BANK AND TRUST COMPANY | CALIENTE, NV | 100.00% | 218,922.0 |
| 5 | FIRST NATIONAL BANK OF ELY, THE | ELY, NV | 100.00% | 126,787.0 |
| 6 | BNY MELLON TRUST OF DELAWARE | WILMINGTON, DE | 100.00% | 241,941.0 |
| 7 | BANK OF THE SOUTHWEST | ROSWELL, NM | 100.00% | 181,028.0 |
| 8 | NEIGHBORS BANK | CLARENCE, MO | 100.00% | 113,019.0 |
| 9 | GLEN BURNIE MUTUAL SAVINGS BANK | GLEN BURNIE, MD | 100.00% | 104,319.0 |
| 10 | TIB, NATIONAL ASSOCIATION | FARMERS BRANCH, TX | 100.00% | 2,972,669.0 |
| 11 | FIRST NATIONAL BANKERS BANK | BATON ROUGE, LA | 100.00% | 1,067,690.0 |
| 12 | NoneNone | 100.00% | 125,335.0 | |
| 13 | FARMERS & MERCHANTS BANK & TRUST | BURLINGTON, IA | 100.00% | 212,732.0 |
| 14 | SUMITOMO MITSUI TRUST BANK (U.S.A.) LIMITED | HOBOKEN, NJ | 100.00% | 3,773,287.0 |
| 15 | CENLAR FSB | EWING, NJ | 100.00% | 899,183.0 |
| 16 | COMMERCIAL BANK & TRUST OF PA | LATROBE, PA | 100.00% | 362,357.0 |
| 17 | BESSEMER TRUST COMPANY, N.A. | NEW YORK, NY | 100.00% | 6,423,778.0 |
| 18 | WELLS FARGO NATIONAL BANK WEST | LAS VEGAS, NV | 100.00% | 9,005,208.0 |
| 19 | CHARLES SCHWAB PREMIER BANK, SSB | WESTLAKE, TX | 100.00% | 27,022,000.0 |
| 20 | WILMINGTON TRUST, NATIONAL ASSOCIATION | WILMINGTON, DE | 100.00% | 772,799.0 |
| 21 | WELLS FARGO BANK SOUTH CENTRAL, NATIONAL ASSOCIATION | HOUSTON, TX | 100.00% | 2,815,071.0 |
| 22 | APPLIED BANK | WILMINGTON, DE | 100.00% | 262,658.0 |
| 23 | STIFEL TRUST COMPANY NATIONAL ASSOCIATION | SAINT LOUIS, MO | 100.00% | 924,891.0 |
| 24 | CLEARPOINT FEDERAL BANK & TRUST | BATESVILLE, IN | 100.00% | 134,656.0 |
| 25 | NATIONWIDE TRUST COMPANY, FSB | COLUMBUS, OH | 100.00% | 166,878.0 |
| 26 | CAPITAL BANK AND TRUST COMPANY | IRVINE, CA | 100.00% | 191,417.0 |
| 27 | STIFEL BANK AND TRUST | SAINT LOUIS, MO | 100.00% | 19,412,996.0 |
| 28 | COMMUNITY BANK OF PLEASANT HILL | PLEASANT HILL, MO | 100.00% | 142,833.0 |
| 29 | EDWARD JONES TRUST COMPANY | SAINT LOUIS, MO | 100.00% | 150,710.0 |
| 30 | STIFEL TRUST COMPANY DELAWARE, NATIONAL ASSOCIATION | GREENVILLE, DE | 100.00% | 357,541.0 |
| 31 | INFINITY BANK | SANTA ANA, CA | 100.00% | 355,990.0 |
| 32 | CHARLES SCHWAB TRUST BANK | WESTLAKE, TX | 100.00% | 10,434,593.0 |
| 33 | VARO BANK, NATIONAL ASSOCIATION | DRAPER, UT | 100.00% | 376,185.0 |
| 34 | SQUARE FINANCIAL SERVICES, INC. | SALT LAKE CITY, UT | 100.00% | 1,694,247.0 |
| 35 | PACIFIC COAST BANKERS' BANK | WALNUT CREEK, CA | 100.00% | 1,138,599.0 |
| 36 | FIRST AMERICAN TRUST, FSB | SANTA ANA, CA | 100.00% | 6,769,876.0 |
| 37 | AMERIPRISE BANK, FSB | MINNEAPOLIS, MN | 99.99% | 25,314,311.0 |
| 38 | KENNEBUNK SAVINGS BANK | KENNEBUNK, ME | 99.97% | 2,012,440.0 |
| 39 | COMMUNITY FEDERAL SAVINGS BANK | WOODHAVEN, NY | 99.93% | 866,395.0 |
| 40 | 21ST CENTURY BANK | LORETTO, MN | 99.92% | 875,946.0 |
| 41 | FIRST ELECTRONIC BANK | SALT LAKE CITY, UT | 99.91% | 482,146.0 |
| 42 | COASTAL COMMUNITY BANK | EVERETT, WA | 99.90% | 4,737,899.0 |
| 43 | FIRST BANK OF OWASSO | OWASSO, OK | 99.89% | 584,463.0 |
| 44 | ESQUIRE BANK, NATIONAL ASSOCIATION | JERICHO, NY | 99.85% | 2,345,974.0 |
| 45 | CITIZENS BANK | CORVALLIS, OR | 99.85% | 831,732.0 |
| 46 | WESTAMERICA BANK | SAN RAFAEL, CA | 99.85% | 5,923,791.0 |
| 47 | PHENIX-GIRARD BANK | PHENIX CITY, AL | 99.83% | 345,388.0 |
| 48 | VALLEY BANK OF NEVADA | NORTH LAS VEGAS, NV | 99.79% | 226,770.0 |
| 49 | FIRST NATIONAL BANK & TRUST COMPANY OF NEWTOWN | NEWTOWN, PA | 99.78% | 1,142,322.0 |
| 50 | EASTERN MICHIGAN BANK | CROSWELL, MI | 99.78% | 571,776.0 |
| 51 | COUNTYBANK | GREENWOOD, SC | 99.77% | 729,554.0 |
| 52 | UNITED SOUTHERN BANK | UMATILLA, FL | 99.75% | 841,773.0 |
| 53 | NoneNone | 99.73% | 238,629.0 | |
| 54 | WESTBURY BANK | WAUKESHA, WI | 99.72% | 791,728.0 |
| 55 | FSNB, NATIONAL ASSOCIATION | LAWTON, OK | 99.72% | 478,802.0 |
| 56 | CHILLICOTHE STATE BANK | CHILLICOTHE, MO | 99.70% | 136,565.0 |
| 57 | CHAIN BRIDGE BANK, NATIONAL ASSOCIATION | MC LEAN, VA | 99.70% | 1,750,321.0 |
| 58 | SERVBANK, NATIONAL ASSOCIATION | OSWEGO, IL | 99.70% | 995,058.0 |
| 59 | PB&T BANK | PUEBLO, CO | 99.69% | 663,023.0 |
| 60 | FIRST COMMAND BANK | FORT WORTH, TX | 99.68% | 1,076,009.0 |
| 61 | WARRINGTON BANK, THE | PENSACOLA, FL | 99.63% | 172,802.0 |
| 62 | COMMERCIAL STATE BANK | PALMER, TX | 99.54% | 120,357.0 |
| 63 | AMG NATIONAL TRUST BANK | BOULDER, CO | 99.53% | 741,001.0 |
| 64 | BLISSFIELD STATE BANK | BLISSFIELD, MI | 99.50% | 118,919.0 |
| 65 | FIRST FEDERAL SAVINGS BANK OF CHAMPAIGN-URBANA | CHAMPAIGN, IL | 99.47% | 198,327.0 |
| 66 | STRIDE BANK, NATIONAL ASSOCIATION | ENID, OK | 99.47% | 4,855,805.0 |
| 67 | WOODTRUST BANK | WISCONSIN RAPIDS, WI | 99.46% | 662,605.0 |
| 68 | FIRST NATIONAL BANK IN TRINIDAD | TRINIDAD, CO | 99.44% | 258,951.0 |
| 69 | FIRST PIEDMONT FEDERAL SAVINGS AND LOAN ASSOCIATION | GAFFNEY, SC | 99.41% | 580,713.0 |
| 70 | IDAHO TRUST BANK | BOISE, ID | 99.41% | 243,448.0 |
| 71 | NoneNone | 99.41% | 415,050.0 | |
| 72 | FIRST COMMUNITY BANK | BLUEFIELD, VA | 99.40% | 3,248,653.0 |
| 73 | OLD GLORY BANK | ELMORE CITY, OK | 99.37% | 257,422.0 |
| 74 | G.W. JONES EXCHANGE BANK | MARCELLUS, MI | 99.33% | 111,671.0 |
| 75 | FARMERS & MERCHANTS STATE BANK OF SPRINGFIELD | SPRINGFIELD, MN | 99.29% | 141,380.0 |
| 76 | JONAH BANK OF WYOMING | CASPER, WY | 99.28% | 558,176.0 |
| 77 | FLEETWOOD BANK | FLEETWOOD, PA | 99.26% | 401,590.0 |
| 78 | PENNSVILLE NATIONAL BANK, THE | PENNSVILLE, NJ | 99.23% | 287,602.0 |
| 79 | UNITED BANK | ZEBULON, GA | 99.21% | 2,331,428.0 |
| 80 | ST. JOHNS BANK & TRUST COMPANY | SAINT LOUIS, MO | 99.17% | 305,144.0 |
| 81 | FIRST NATIONAL BANK OF LIVINGSTON, THE | LIVINGSTON, TX | 99.16% | 442,078.0 |
| 82 | COLUMN NATIONAL ASSOCIATION | CHICO, CA | 99.14% | 849,895.0 |
| 83 | WHITAKER BANK, INC | LEXINGTON, KY | 99.12% | 1,900,058.0 |
| 84 | BANK OF MILLBROOK | MILLBROOK, NY | 99.11% | 308,458.0 |
| 85 | CITIZENS NATIONAL BANK OF WOODSFIELD, THE | WOODSFIELD, OH | 99.05% | 155,166.0 |
| 86 | PATHWARD, NATIONAL ASSOCIATION | SIOUX FALLS, SD | 99.04% | 7,563,929.0 |
| 87 | F&M BANK | WEST POINT, NE | 99.04% | 377,441.0 |
| 88 | LIBERTY TRUST & SAVINGS BANK | DURANT, IA | 99.02% | 181,110.0 |
| 89 | CITIZENS BANK OF LAS CRUCES | LAS CRUCES, NM | 99.02% | 1,145,757.0 |
| 90 | FARMERS STATE BANK OF WESTERN ILLINOIS | ALPHA, IL | 99.01% | 170,676.0 |
| 91 | BANK OF HAZLEHURST | HAZLEHURST, GA | 98.97% | 143,757.0 |
| 92 | HOME LOAN STATE BANK | GRAND JUNCTION, CO | 98.96% | 234,020.0 |
| 93 | CHELSEA GROTON BANK | NORWICH, CT | 98.94% | 1,755,941.0 |
| 94 | SENATH STATE BANK | SENATH, MO | 98.93% | 105,586.0 |
| 95 | POINTWEST BANK | WEST, TX | 98.92% | 136,897.0 |
| 96 | SCALE BANK | EDINA, MN | 98.90% | 564,303.0 |
| 97 | NORTH STATE BANK | RALEIGH, NC | 98.89% | 1,383,343.0 |
| 98 | NEWFIRST NATIONAL BANK | EL CAMPO, TX | 98.88% | 944,404.0 |
| 99 | FARMERS AND MERCHANTS BANK | LAOTTO, IN | 98.82% | 304,625.0 |
| 100 | RBC BANK (GEORGIA), NATIONAL ASSOCIATION | ATLANTA, GA | 98.81% | 8,044,396.0 |
More Liquidity & Balance Sheet rankings
All data sourced from the most recent FFIEC call report filings, refreshed quarterly within 48 hours of FFIEC release. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.
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