Deposits
Deposits is the money customers have placed with a bank. On the bank's balance sheet it is a liability, not an asset: the bank owes it back.
How it is computed here
| Formula | as reported on the balance sheet of a deposit-taking institution |
|---|---|
| Unit | Currency amount |
| Period | One fiscal year, as reported |
| Source | Extracted from SEC filings; every value on an asset page carries the accounting tag and the filing it came from |
| Identifier | depositos |
What goes into the formula
| Interest-bearing deposits | Savings and time accounts on which the bank pays. |
|---|---|
| Non-interest-bearing deposits | Current accounts and similar. The cheapest funding a bank can have, and the reason two banks of the same size can have very different costs. |
A formula without its inputs explained is decoration. Where an input is missing from a filing, the metric is left empty here rather than completed with a zero or an estimate.
How to calculate deposits, step by step
A bank's balance sheet, which reads inside out compared with a manufacturer's.
| Total assets (mostly loans) | $120,000M |
|---|---|
| Deposits | $95,000M |
| Shareholders' equity | $12,000M |
| Net income | $1,500M |
- Return on assets = 1,500 ÷ 120,000 = 1.25%.
- Return on equity = 1,500 ÷ 12,000 = 12.5%.
- Equity funds 12,000 ÷ 120,000 = 10% of the balance sheet; depositors fund most of the rest.
Result: $95,000M of deposits funding $120,000M of assets
This is why a bank's ROA looks tiny and its ROE does not. The whole model is running a large asset base on a thin sliver of owners' money, with depositors supplying the difference.
The figures in this example are illustrative and rounded — they are not a real company. The real figures on this site are the live ones below and on every asset page, each carrying the filing it came from.
What deposits is good for
For a bank, deposits are the business. They are the cheapest and stickiest funding available, and the line explains why bank ratios cannot be read with the same instincts as an industrial company's. On this site the field appears only where the company reports it, which is one of the clearest signals that you are looking at a deposit-taking institution.
What this number does not tell you
A single total says nothing about how quickly the money can leave. Deposits from a million households behave differently from a few very large corporate balances, and the balance sheet line does not distinguish — which is exactly the distinction that has decided the fate of failed banks. It also says nothing about what the deposits cost, or about how much of the balance is insured.
Every metric on this site is published with its blind spot stated. A figure without its limit is half a fact.
Highest reported deposits
| JPMJPMORGAN CHASE & CO | $2.6T |
|---|---|
| BACBofA Finance LLC | $2.0T |
| WFCWELLS FARGO & COMPANY/MN | $1.4T |
| CCitigroup Inc | $1.4T |
| UBSUBS Group AG | $788.4B |
| USBUS BANCORP \DE\ | $522.2B |
| GSThe Goldman Sachs Group, Inc. | $501.4B |
| COFCAPITAL ONE FINANCIAL CORP | $475.8B |
From the most recent fiscal year of each company. Only companies reporting in US dollars are ranked here — a figure in yen or won is not larger, it is in another currency.
See it in a published filing
These pages show the figure across up to nineteen fiscal years, with the accounting tag and the filing behind every value.