U.S. Banks under $100M in Assets — Loans / Deposits, 2025Q4

Population: 573 Call Report filers, reporting date 2025-12-31.

Cite as: FACTANKER, https://factanker.com/banks/assets-lt-100m/loan-to-deposit/2025Q4

← 2025Q3 · 2026Q1 → · latest quarter

10th percentile	34.0%
25th percentile	47.9%
Median	68.6%
75th percentile	84.6%
90th percentile	98.7%
Mean	66.9%
Minimum	0.0%
Maximum	230.9%

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 2025-12-31; 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

BREDA SAVINGS BANK $100.0M assets · evidence
STRASBURG STATE BANK $99.6M assets · evidence
MINERS NATIONAL BANK OF EVELETH, THE $99.5M assets · evidence
BEAUREGARD FEDERAL SAVINGS BANK $99.4M assets · evidence
KANSAS STATE BANK $99.3M 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