Deposits, All Commercial Banks
H8B1058NCBCMG • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
5.70
Year-over-Year Change
185.00%
Date Range
2/1/1973 - 6/1/2025
Summary
This economic indicator tracks the total deposits held by all commercial banks in the United States, providing a critical snapshot of banking system liquidity and financial sector health. The trend reflects broader economic conditions, consumer savings behavior, and potential monetary policy implications.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
Deposits across commercial banks represent a key measure of financial system stability and economic activity. Economists analyze this metric to understand banking sector dynamics, potential credit availability, and overall economic sentiment.
Methodology
Data is collected through mandatory reporting by commercial banks to the Federal Reserve, aggregating deposit balances across all insured financial institutions.
Historical Context
Policymakers and financial analysts use this trend to assess economic resilience, potential lending capacity, and monetary policy effectiveness.
Key Facts
- Represents total deposit volumes across U.S. commercial banking system
- Reflects consumer and business financial behavior
- Provides insights into potential credit and lending environments
FAQs
Q: What do commercial bank deposits indicate about the economy?
A: Commercial bank deposits reflect economic confidence, consumer savings patterns, and potential lending capacity in the financial system.
Q: How do deposit trends impact monetary policy?
A: Deposit volumes help central banks assess liquidity, potential inflationary pressures, and make informed decisions about interest rates and money supply.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data weekly, providing a near real-time view of banking system dynamics.
Q: What factors influence commercial bank deposits?
A: Interest rates, economic conditions, consumer confidence, and monetary policy significantly impact total bank deposit volumes.
Q: Are there limitations to interpreting this data?
A: While informative, deposit trends should be analyzed alongside other economic indicators for comprehensive insights.
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Citation
U.S. Federal Reserve, Deposits, All Commercial Banks [H8B1058NCBCMG], retrieved from FRED.
Last Checked: 8/1/2025