Large Bank Examination Workshop February 2026

Large Deposits to Total Deps

Sum of all Large Deposits Total Deposits

• Definition: Concentrations of funds under one control, or payable to one entity, which aggregate to a certain % or more of the bank’s total deposits. • What are good numbers to use?  2%?  5%? (for small banks with “lumpy” deposit base)

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Strengths of Cash Flow Analysis: • Complements and improves upon ratio analysis • Uses various scenarios to help forecast future needs • Can be used to identify potential cash flows in different scenarios • Can be used to build contingency scenarios and stress testing simulations

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