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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