Supervisors Symposium - December 2023
Internal Use Only
Industry deposit growth rates have turned positive in all regions. However, they remain low . . .
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Source: Call Report Data
© 2023 –FinPro, Inc.
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Internal Use Only
As usual in rising rate periods, time deposits continue to grow industry wide, as non ‐ interest bearing deposits decline . . .
Noninterest Bearing Deposits / Total Deposits
Time Deposits / Total Deposits
40.00
30.00
Industry
Industry
35.00
25.00
Mid ‐ Atlantic
Mid ‐ Atlantic
30.00
20.00
25.00
Mid ‐ West
Mid ‐ West
20.00
15.00
North ‐ East
North ‐ East
15.00
10.00
South ‐ East
South ‐ East
10.00
5.00
South ‐ West
South ‐ West
5.00
0.00
0.00
West
West
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3
Noninterest Bearing Deposits / Total Deposits
Time Deposits / Total Deposits
Change QoQ
Change YoY
Change QoQ
Change YoY
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3 18.74 17.75 17.48 17.62 18.65 21.08 23.24 25.16 17.75 17.15 17.48 17.15 19.64 23.59 25.12 25.79 19.31 18.17 17.93 18.41 19.10 21.39 23.68 25.59 18.71 17.75 16.86 17.51 19.17 24.04 26.07 28.55 20.41 19.50 19.31 19.01 20.31 23.06 24.95 26.65 18.15 17.15 16.63 16.31 16.75 19.29 21.06 22.57 9.44 8.97 9.35 9.09 10.86 14.38 16.50 18.64
2021Q4 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 2023Q2 2023Q3 25.76 25.77 25.90 26.27 25.86 24.54 24.15 23.52 22.30 22.23 22.44 22.56 22.22 21.11 21.05 20.04 24.02 23.91 23.94 23.97 24.10 23.00 22.41 21.85 20.63 20.29 21.03 20.12 20.10 19.44 18.37 17.98 27.40 27.73 28.10 28.47 27.63 26.47 25.79 25.32 31.81 32.33 32.64 32.99 32.45 30.92 30.02 29.43 34.09 32.93 33.31 33.15 32.28 31.02 30.50 29.78
Industry
1.92 0.67 1.91 1.70 1.51 2.14
7.54 8.65 7.18 7.64 6.27 9.56
Industry
‐ 0.63 ‐ 1.01 ‐ 0.56 ‐ 0.39 ‐ 0.47 ‐ 0.59 ‐ 0.73
‐ 2.75 ‐ 2.53 ‐ 2.13 ‐ 2.14 ‐ 3.15 ‐ 3.56 ‐ 3.38
Mid ‐ Atlantic Mid ‐ West North ‐ East South ‐ East South ‐ West
Mid ‐ Atlantic Mid ‐ West North ‐ East South ‐ East South ‐ West
2.48 11.05
West
West
Notice the weakness of the Northeast (as seen in yellow line).
Source: Call Report Data, FinPro calculations
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© 2023 –FinPro, Inc.
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