U.S. Banks under $100M in Assets — Loans / Deposits, 2023Q4

Population: 697 Call Report filers, reporting date 2023-12-31.

Cite as: FACTANKER, https://factanker.com/banks/assets-lt-100m/loan-to-deposit/2023Q4

← 2023Q3 · 2024Q1 → · latest quarter

10th percentile	33.9%
25th percentile	48.1%
Median	67.8%
75th percentile	85.3%
90th percentile	100.1%
Mean	67.0%
Minimum	0.0%
Maximum	223.4%

Methodology & sources
Total loans and leases (item 2122) divided by total deposits (item 2200), both at the quarter end.
One row per reporting institution (RSSD) as of 2023-12-31; percentiles computed in the database via percentile_cont, never by a model. Source: FFIEC Call Reports (public domain). Data: FACTANKER registry, precomputed 2026-09-06.

Evidence samples

Largest institutions in this group

TBO BANK $99.9M assets · evidence
WHITE STATE BANK $99.8M assets · evidence
MUTUAL FEDERAL BANK $99.7M assets · evidence
FREDONIA VALLEY BANK $99.7M assets · evidence
CITIZENS STATE BANK AND TRUST COMPANY $99.5M assets · evidence

Not claimed

Population is Call Report filers (FDIC-insured commercial banks and savings institutions). Credit unions, holding companies and non-US banks are not part of it.
One row per reporting institution (RSSD), not per banking group: a holding company with three bank subsidiaries counts three times.
Income statement items are year-to-date, not quarterly. Ratios marked annualized are multiplied by 4 / quarter number; net income is not.
The state of an institution is its current head-office state from the Call Report directory, applied to all of its quarters.
Comparisons across 2011Q4 / 2012Q1 are not pure market movement: thrift institutions moved from the Thrift Financial Report into the Call Report in 2012Q1 (filers 6,789 -> 7,377).
sample_fact_ids evidence the three largest institutions of the class, not every number in the distribution.

All quarters of this metric · All U.S. Banks under $100M in Assets benchmarks · All bank benchmarks