Bank Deposits Reconciliation

100 institutions • 35 states • deposits, balance-sheet scale, and anomaly flags

Deposit reconciliation overview • 100 institutions • 35 states

This dashboard profiles deposit concentration, balance-sheet scaling, and the institutions flagged as leverage outliers using deposit-to-asset and deposit-to-equity ratios from the reconciled source file.

Total Deposits
$15.28B
Across 100 institutions
Top 4 institutions hold 47.4% of deposits
Median Deposit / Asset
80.7%
Portfolio median
Total assets in file: $19.64B
Median Deposit / Equity
7.77x
Leverage reference
3 institutions missing equity values
Flagged Anomalies
2
$119.6M in deposits
0.78% of portfolio deposits
Largest Deposit Holders
Top 12 institutions by deposit balance, with deposit-to-asset ratios in hover detail
Deposits Compared with Assets and Equity
Bubble size approximates equity; anomalies are isolated in red against the broader deposit-asset trend
Deposit Size Distribution
Histogram on log scale to show both regional and mega-bank balances in one frame
Deposit-to-Asset Ratio Distribution
Most institutions cluster tightly around the low-80% range, with a few stretching toward full funding
Deposit Concentration Curve
Cumulative deposit share by ranked institution compared with an even-distribution baseline
Outlier Lens: Deposit-to-Equity Ratios
Box-and-points view emphasizes the flagged institutions with the most extreme leverage relative to equity
Portfolio Readout

The reconciled file shows a very strong deposits-to-assets relationship, with a correlation of 0.998. That indicates deposits scale almost proportionally with balance-sheet size across the portfolio.

Deposit balances are concentrated: the four largest institutions account for 47.4% of total deposits, while the rest of the market tapers quickly after the top tier.

Flagged anomalies are scarce in count but notable in leverage intensity, with deposit-to-equity ratios well above the portfolio median of 7.77x.

OH: $3.50BSD: $2.73BNC: $2.57BNY: $1.20BDE: $974.9MUT: $768.5M
Interpretation Notes
  • The log-scale deposit histogram avoids compressing smaller institutions into a single left-side cluster.
  • The deposit-to-equity outlier chart excludes institutions with missing equity, leaving 97 observations in that leverage view.
  • Bubble sizes in the balance-sheet scatter reflect reported equity, with missing values imputed to the median for sizing only.
  • Anomaly markers remain visible across charts to connect flagged records to their place in the broader distribution.
Flagged Institutions
Institution Location Deposits Dep / Asset Dep / Equity Equity
USAA FEDERAL SAVINGS BANKPHOENIX, AZ$98.1M87.8%26.39x$3.7M
AMERIPRISE BANK FSBMINNEAPOLIS, MN$21.5M94.8%20.77x$1.0M