Liquidity & Balance Sheet
US Banks with Highest Loan-to-Deposit Ratio
#1 Loan-to-Deposit Ratio:WILMINGTON TRUST, NATIONAL ASSOCIATION — 524.27%. The Loan-to-Deposit Ratio (LTD) measures loans against deposits — a high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
| # | Bank | HQ | US Banks with … | Total Assets ($K) |
|---|---|---|---|---|
| 1 | WILMINGTON TRUST, NATIONAL ASSOCIATION | WILMINGTON, DE | 524.27% | 772,799.0 |
| 2 | JOHN DEERE FINANCIAL, F.S.B. | MIDDLETON, WI | 264.76% | 3,397,348.0 |
| 3 | HATCH BANK | SAN MARCOS, CA | 212.44% | 182,351.0 |
| 4 | SQUARE FINANCIAL SERVICES, INC. | SALT LAKE CITY, UT | 197.31% | 1,694,247.0 |
| 5 | COMENITY BANK | WILMINGTON, DE | 180.48% | 7,760,444.0 |
| 6 | FIRST NATIONAL BANK OF AMERICA | EAST LANSING, MI | 161.86% | 6,700,737.0 |
| 7 | CREDIT ONE BANK, NATIONAL ASSOCIATION | LAS VEGAS, NV | 157.63% | 1,966,557.0 |
| 8 | HINGHAM INSTITUTION FOR SAVINGS | HINGHAM, MA | 153.00% | 4,542,678.0 |
| 9 | GREAT MIDWEST BANK, STATE SAVINGS BANK | BROOKFIELD, WI | 151.54% | 1,034,904.0 |
| 10 | THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND | CLEVELAND, OH | 150.20% | 17,487,528.0 |
| 11 | FIRST CREDIT BANK | WEST HOLLYWOOD, CA | 149.90% | 500,519.0 |
| 12 | SPRING VALLEY BANK | WYOMING, OH | 148.05% | 117,990.0 |
| 13 | TRICENTURY BANK | DE SOTO, KS | 144.40% | 196,226.0 |
| 14 | FIRST FEDERAL SAVINGS OF MIDDLETOWN | MIDDLETOWN, NY | 142.30% | 181,779.0 |
| 15 | MASPETH FEDERAL SAVINGS AND LOAN ASSOCIATION | MASPETH, NY | 139.30% | 2,199,882.0 |
| 16 | BANKERS' BANK | MADISON, WI | 137.15% | 1,420,052.0 |
| 17 | BANKERS' BANK OF THE WEST | DENVER, CO | 135.90% | 441,940.0 |
| 18 | HOME FEDERAL SAVINGS AND LOAN ASSOCIATION OF NILES OHIO | NILES, OH | 135.62% | 156,223.0 |
| 19 | CORNERSTONE BANK | OVERLAND PARK, KS | 134.71% | 501,479.0 |
| 20 | STATE BANK OF NEW RICHLAND | NEW RICHLAND, MN | 133.03% | 126,128.0 |
| 21 | SECURITY STATE BANK | SUTHERLAND, IA | 132.28% | 480,775.0 |
| 22 | MALAGA BANK, FSB | PALOS VERDES ESTATES, CA | 132.18% | 1,434,308.0 |
| 23 | INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY | NEWBURYPORT, MA | 132.13% | 5,372,290.0 |
| 24 | CORNERSTONE CAPITAL BANK, SSB | HOUSTON, TX | 131.74% | 2,469,832.0 |
| 25 | FIRST FEDERAL BANK, A FSB | TUSCALOOSA, AL | 130.48% | 173,044.0 |
| 26 | MIDFIRST BANK | OKLAHOMA CITY, OK | 130.21% | 41,367,487.0 |
| 27 | NORTHPOINTE BANK | GRAND RAPIDS, MI | 129.50% | 7,022,546.0 |
| 28 | APOLLO TRUST COMPANY | APOLLO, PA | 129.06% | 208,161.0 |
| 29 | PONCE BANK, NATIONAL ASSOCIATION | BRONX, NY | 127.47% | 3,214,470.0 |
| 30 | FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF PASCAGOULA-MOSS POINT | PASCAGOULA, MS | 127.22% | 379,288.0 |
| 31 | FIRST NATIONAL BANK OF BANGOR, THE | BANGOR, WI | 126.83% | 381,788.0 |
| 32 | GATEWAY FIRST BANK | JENKS, OK | 126.60% | 2,006,088.0 |
| 33 | BELMONT SAVINGS BANK, SSB | BELMONT, NC | 125.46% | 151,258.0 |
| 34 | PEOPLES SAVINGS AND LOAN COMPANY, THE | WEST LIBERTY, OH | 125.23% | 107,554.0 |
| 35 | EAGLEMARK SAVINGS BANK | RENO, NV | 124.09% | 743,751.0 |
| 36 | INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION | NEW YORK, NY | 123.90% | 2,902,760.0 |
| 37 | WATERSTONE BANK | WAUWATOSA, WI | 123.33% | 2,259,133.0 |
| 38 | FIRST PIEDMONT FEDERAL SAVINGS AND LOAN ASSOCIATION | GAFFNEY, SC | 123.32% | 580,713.0 |
| 39 | MASSENA SAVINGS AND LOAN | MASSENA, NY | 123.02% | 199,928.0 |
| 40 | MERRICK BANK | SOUTH JORDAN, UT | 122.95% | 9,251,625.0 |
| 41 | TEXANA BANK, NATIONAL ASSOCIATION | LINDEN, TX | 122.71% | 339,970.0 |
| 42 | CULLMAN SAVINGS BANK | CULLMAN, AL | 122.30% | 431,245.0 |
| 43 | COLORADO FEDERAL SAVINGS BANK | GREENWOOD VILLAGE, CO | 122.25% | 2,723,291.0 |
| 44 | WEST POINTE BANK | OSHKOSH, WI | 122.24% | 368,821.0 |
| 45 | FEDERAL SAVINGS BANK, THE | CHICAGO, IL | 122.10% | 1,138,673.0 |
| 46 | FIRST FEDERAL SAVINGS & LOAN ASSOCIATION OF VALDOSTA | VALDOSTA, GA | 121.99% | 271,927.0 |
| 47 | IXONIA BANK | IXONIA, WI | 121.87% | 951,221.0 |
| 48 | FIRST NATIONAL BANKERS BANK | BATON ROUGE, LA | 121.36% | 1,067,690.0 |
| 49 | BANKERS BANK, THE | OKLAHOMA CITY, OK | 121.31% | 329,768.0 |
| 50 | UNITED ORIENT BANK | NEW YORK, NY | 121.24% | 100,637.0 |
| 51 | VERUS BANK OF COMMERCE | FORT COLLINS, CO | 121.07% | 191,626.0 |
| 52 | WESTSIDE STATE BANK | WESTSIDE, IA | 120.91% | 255,043.0 |
| 53 | EVERETT CO-OPERATIVE BANK | EVERETT, MA | 120.82% | 1,605,360.0 |
| 54 | FINANCIAL FEDERAL BANK | MEMPHIS, TN | 120.43% | 1,096,886.0 |
| 55 | CAPITOL FEDERAL SAVINGS BANK | TOPEKA, KS | 120.31% | 9,796,570.0 |
| 56 | ECLIPSE BANK, INC. | LOUISVILLE, KY | 120.26% | 481,999.0 |
| 57 | SYNCHRONY BANK | DRAPER, UT | 119.99% | 112,115,000.0 |
| 58 | BAR HARBOR SAVINGS AND LOAN ASSOCIATION | BAR HARBOR, ME | 119.97% | 101,650.0 |
| 59 | SALEM CO-OPERATIVE BANK | SALEM, NH | 119.88% | 572,248.0 |
| 60 | VISIONBANK | SAINT LOUIS PARK, MN | 119.86% | 257,230.0 |
| 61 | UNITED BANKERS' BANK | RICHFIELD, MN | 119.75% | 1,306,031.0 |
| 62 | COMMERCE BANK | GENEVA, MN | 118.79% | 229,767.0 |
| 63 | BANK OF ALMA | ALMA, WI | 118.70% | 334,062.0 |
| 64 | MERCHANTS BANK OF INDIANA | CARMEL, IN | 118.52% | 19,390,856.0 |
| 65 | FIRST FEDERAL SAVINGS BANK OF KENTUCKY | FRANKFORT, KY | 118.51% | 289,077.0 |
| 66 | ONE AMERICAN BANK | CENTERVILLE, SD | 118.50% | 356,547.0 |
| 67 | EASTERN SAVINGS BANK FEDERAL SAVINGS BANK | HUNT VALLEY, MD | 118.43% | 366,521.0 |
| 68 | OLYMPIA FEDERAL SAVINGS AND LOAN ASSOCIATION | OLYMPIA, WA | 118.34% | 1,026,095.0 |
| 69 | PROVIDENT SAVINGS BANK, F.S.B. | RIVERSIDE, CA | 117.98% | 1,227,875.0 |
| 70 | AMERICAN NATIONAL BANK OF MINNESOTA | BAXTER, MN | 117.84% | 474,845.0 |
| 71 | SOUTH STORY BANK & TRUST | SLATER, IA | 117.66% | 610,652.0 |
| 72 | UNITED FARMERS STATE BANK | ADAMS, MN | 117.45% | 235,329.0 |
| 73 | STATE SAVINGS BANK | WEST DES MOINES, IA | 117.38% | 274,293.0 |
| 74 | BANK OF VERSAILLES | VERSAILLES, MO | 117.28% | 351,593.0 |
| 75 | UPSTATE NATIONAL BANK, THE | OGDENSBURG, NY | 117.23% | 276,574.0 |
| 76 | BANK PLUS | ESTHERVILLE, IA | 117.22% | 157,058.0 |
| 77 | MEDALLION BANK | SALT LAKE CITY, UT | 116.90% | 2,620,589.0 |
| 78 | WATERFALL BANK | CLEARWATER, FL | 116.87% | 408,892.0 |
| 79 | GEDDES FEDERAL SAVINGS AND LOAN ASSOCIATION | SYRACUSE, NY | 116.86% | 652,429.0 |
| 80 | DMB COMMUNITY BANK | MADISON, WI | 116.80% | 826,686.0 |
| 81 | UNITED TRUST BANK | PALOS HEIGHTS, IL | 116.80% | 170,606.0 |
| 82 | FARMERS AND MERCHANTS BANK | MILLIGAN, NE | 116.69% | 205,067.0 |
| 83 | HOME BANK OF CALIFORNIA | SAN DIEGO, CA | 116.52% | 246,729.0 |
| 84 | CELTIC BANK CORPORATION | SALT LAKE CITY, UT | 115.91% | 4,792,448.0 |
| 85 | SPRING BANK | BROOKFIELD, WI | 115.83% | 433,773.0 |
| 86 | HERSHEY BANK | HERSHEY, NE | 115.83% | 138,500.0 |
| 87 | EVABANK | EVA, AL | 115.81% | 478,173.0 |
| 88 | BANK OF WASHINGTON | WASHINGTON, MO | 115.75% | 1,170,435.0 |
| 89 | FREEDOM FINANCIAL BANK | WEST DES MOINES, IA | 115.73% | 273,808.0 |
| 90 | CROWN BANK | ELIZABETH, NJ | 115.70% | 628,954.0 |
| 91 | INDEPENDENT CORRESPONDENT BANKERS' BANK, INC. | FRANKFORT, KY | 115.55% | 144,712.0 |
| 92 | PARKE BANK | SEWELL, NJ | 115.47% | 2,249,033.0 |
| 93 | FIRST NATIONAL BANK OF BROOKFIELD | BROOKFIELD, IL | 115.36% | 410,156.0 |
| 94 | FARMERS & MERCHANTS STATE BANK | WATERLOO, WI | 115.35% | 240,843.0 |
| 95 | GOLDWATER BANK, NATIONAL ASSOCIATION | PHOENIX, AZ | 115.30% | 515,278.0 |
| 96 | IUKA STATE BANK, THE | SALEM, IL | 115.26% | 142,444.0 |
| 97 | BANKERS' BANK OF KANSAS | WICHITA, KS | 115.23% | 214,160.0 |
| 98 | NORTH AMERICAN SAVINGS BANK, FSB | GRANDVIEW, MO | 115.00% | 2,966,175.0 |
| 99 | NORTHEAST BANK | LEWISTON, ME | 114.95% | 4,947,308.0 |
| 100 | MARATHON BANK | WAUSAU, WI | 114.90% | 247,632.0 |
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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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