Insights
IntraFi Insights
August 14, 2025
US banks' deposit growth remained resilient through Q2 2025 according to newly released call report data. With markets expecting at least one interest rate cut in the second half of 2025, is your bank anticipating accelerated growth and/or a near-term shift in deposit mix?
June 26, 2025
Deposits have reached a seasonally adjusted all-time high, surpassing pandemic-era levels and following a stable trajectory supported by persistent loan growth.
May 21, 2025
Q1 call report data also shows that banks continue to increase their utilization of reciprocal deposits. This has been particularly true during periods of industry stress, including the pandemic period (2020-2022) and the regional bank crisis (2023).
May 12, 2025
Newly available call report data for Q1 shows that domestic deposit growth continued its recovery in early 2025. Given the backdrop of more recent events, do you expect this trend to continue through the year?
April 16, 2025
Impact banks such as minority-owned and community development banks are significantly more likely to operate bank branches—and maintain deposits—in persistent poverty counties to support local development opportunities, according to data from the FDIC and CDFI.
March 31, 2025
Since the pandemic, depositors appear increasingly sensitive to media coverage of economic policy uncertainty. In today's landscape, banks that help customers prepare for a range of potential outcomes may be more likely to retain them—and attract new ones.
February 12, 2025
Year-end call report data shows that community banks increased their core deposits by $117 billion, or 5%, in 2024. This represents more than two-thirds of community banks' total deposit growth last year.
February 10, 2025
Newly available call report data for Q4 2024 shows that annualized Q4 deposit growth rates outpaced year-over-year growth rates for banks of all sizes, suggesting continued strength in bank deposit growth going into 2025.
December 18, 2024
While banks have retained $2.0 trillion from the Pandemic-era deposit surge, deposits have returned to their pre-Pandemic levels relative to U.S. GDP, indicating that banks can sustain the new, elevated deposit level.
December 12, 2024
Commercial bank deposits have re-established their historical growth pattern at a new, elevated level following a multi-year period of deposit market dislocation that began with the pandemic.
November 22, 2024
Q3 call report data shows that banks are better prepared now to absorb security portfolio stress than they were leading up to SVB's collapse.
November 13, 2024
Newly available FDIC Call Report data shows that deposit growth resumed in Q3, supported by banks of all sizes.
October 10, 2024
The Fed’s 50-bps cut has so far had a bigger impact on the rates paid by money market mutual funds, whereas banks have mostly kept their rates on money market deposit accounts steady.
September 27, 2024
Investments in retail money funds appear to have slowed in the days immediately following the Fed's interest rate cut. Is this a blip, or is it an early signal of what is to come?
September 12, 2024
Funding mix shift coming? The Fed is widely expected to lower interest rates next week. History suggests this will lead to a drop in time deposits.
August 12, 2024
Smaller banks added deposits in the second quarter, while super-regional and mega banks saw their deposit levels decline.
August 1, 2024
With markets seeing a September interest rate cut as increasingly likely, banks might expect deposit relief not only in terms of cost but also availability. Data shows that money market fund (MMF) yields are strongly correlated with changes in the Fed Funds Effective rate, meaning MMF yields will likely begin to fall soon after the Fed makes its first cut. In contrast, bank deposit data shows that banks passed along only 37% of the Fed’s rate cuts in the last falling-rate window from Q4 2019 to Q2 2020.
May 9, 2024
A year after SVB’s collapse, and several months after the FDIC enhanced supervision of banks with uninsured deposit levels above 50%, banks have reduced large deposits as a percentage of their overall deposit mix. (SVB’s were around 90% when it failed.)
April 18, 2024
Large time deposits hit an all-time high on February 28 before declining throughout March. But in April, they’ve been rising again. Have they peaked, or did last month represent a temporary dip?
April 9, 2024
Community banks are famous for their customer service. No surprise, then, that the lion’s share of IntraFi-placed reciprocal deposits—used to forge stronger, deeper relationships with local customers—are held by smaller institutions.
April 4, 2024
Loan-to-deposit ratios at year-end 2023 showed that community and midsize banks—including mission-driven banks designated as CDFIs and/or MDIs—allocated a greater share of their deposits to lending activity in support of local economic development.
March 25, 2024
On average, banks of all sizes saw deposit growth in Q4 2023; however, only the community bank sector produced loan growth rates that outpaced deposit gains.
March 14, 2024
FDIC Call Report data at year-end 2023 showed US commercial banks’ large time deposits climbing to 4.8% of total deposits, nearly erasing the entire drop seen after the 2016-2018 rising-rate period. FRED data from early 2024 shows banks’ continued increase in large time deposits to start the year.
March 8, 2024
Ahead of the expiration of the Bank Term Funding Program (BTFP) on March 11, participants hold $160bn+ of advances. Banks will need to seek funds from other sources to repay the loans as they mature over the next 12 months.
February 27, 2024
After six straight quarters of decline, total deposits of U.S. banks reversed course and grew in the fourth quarter of 2023, rising to $18.8T.
February 26, 2024
After peaking at more than $2.5T in December 2022, Overnight Reverse Repo Facility balances have fallen to around $500B as of February 2024. The continued decline of the facility’s usage has the industry anticipating reserves in the banking system will decline as the Fed continues QT.
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