Bank Analysis School Case Study eBook

Sunny State Bank

LIQUIDITY - DEPOSITS

Deposits Volume and Mix Over Time

Quarterly Deposits Growth Rate

$80M

6.0%

4.1% 4.9%

$70M

3.6%

4.0%

2.3%

$60M

1.7%

1.4%

2.1%

1.4%

2.0%

Metrics

0.8%

$50M

1.2%

Foreign TCDs Savings MMDA NOW/ATS DDA

(0.3%)

Metrics

0.0%

(0.8%)

0.4%

$40M

(0.2%)

(0.4%)

Bank State All Banks

(0.7%)

(1.1%)

$30M

(2.0%)

(1.9%)

$20M

(4.0%)

(3.5%)

(3.8%)

(5.0%)

$10M

(6.0%)

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Deposits > 250k / Total Deposits

Deposits > 250k Less Public Funds / Total Deposits

15.00% 16.00% 17.00% 18.00% 19.00% 20.00% 21.00% 22.00%

9.00% 10.00% 11.00% 12.00% 13.00% 14.00%

21.54%

13.57%

21.38%

21.67%

12.74%

20.52%

12.48%

12.20%

19.85%

11.81%

19.59%

11.53%

20.20%

19.17%

19.08% 19.47%

18.88%

10.86%

11.24%

10.60%

11.48%

11.00%

19.23%

19.21%

18.06%

10.78%

9.73%

10.12%

17.56%

10.19%

18.11%

10.10%

8.92%

17.68%

8.94%

16.74%

16.64%

7.00% 8.00%

7.07%

7.46%

14.41%

6.64%

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Understanding recent deposit growth and mix trends is important for assessing funding stability and identifying any shifts towards less stable deposit sources, such as large infows into high-rate specials. Deposits over $250k may be uninsured and therefore pose a higher risk in times of fnancial stress. However, not all accounts over $250k are uninsured - joint accounts have higher FDIC insurance coverage and some banks purchase private deposit insurance to cover balances above FDIC-insured amounts. The chart subtracting public funds may provide a clearer picture of potential risks, since public funds are often large uninsured accounts but are typically secured by the bank's capital or pledged securities.

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