Liabilities: Deposits: Total Deposits
LDTOTD • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2,499,010.00
Year-over-Year Change
-2.65%
Date Range
2/17/1999 - 4/11/2018
Summary
Total Deposits (LDTOTD) tracks the aggregate value of deposits held by financial institutions, reflecting the overall liquidity and financial health of the banking system. This metric is crucial for understanding monetary dynamics, bank stability, and potential economic trends.
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
The series represents the cumulative deposits across various banking institutions, including commercial banks, savings banks, and credit unions. Economists analyze this trend to assess financial sector resilience, potential lending capacity, and broader economic sentiment.
Methodology
Data is collected through comprehensive reporting by financial institutions to regulatory bodies, aggregating deposit accounts across different banking categories.
Historical Context
Policymakers and central banks use this metric to inform monetary policy decisions, assess banking system liquidity, and monitor potential economic shifts.
Key Facts
- Represents the total value of deposits across financial institutions
- Provides insight into banking system health and economic conditions
- Fluctuates with economic cycles and monetary policy changes
FAQs
Q: What does Total Deposits indicate about the economy?
A: Total Deposits reflect consumer and business financial behavior, indicating economic confidence and potential lending capacity in the banking system.
Q: How do changes in Total Deposits impact monetary policy?
A: Significant changes in Total Deposits can influence central bank decisions on interest rates and money supply management.
Q: How frequently is the LDTOTD data updated?
A: The data is typically updated quarterly, providing a comprehensive view of deposit trends across financial institutions.
Q: What factors can cause Total Deposits to change?
A: Economic conditions, interest rates, consumer confidence, and business investment can significantly impact Total Deposits.
Q: Are there limitations to using Total Deposits as an economic indicator?
A: While valuable, Total Deposits should be analyzed alongside other economic metrics for a comprehensive understanding of financial conditions.
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Citation
U.S. Federal Reserve, Liabilities: Deposits: Total Deposits [LDTOTD], retrieved from FRED.
Last Checked: 8/1/2025