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Credit Deposit Ratio Calculator

Work out credit deposit ratio instantly with clear inputs, formula shown and shareable results.

About Credit Deposit Ratio Calculator

The credit to deposit ratio shows how much of the deposit base has been lent out. A high ratio signals aggressive growth and reliance on wholesale funding; a low one signals surplus liquidity earning less than loans would.

Formula

Credit deposit ratio

Ratio = advances / deposits; headroom = deposits × ceiling - advances

Worked example

With the default values below, Credit Deposit Ratio Calculator returns Credit To Deposit Ratio of 77.500%. Change any input above and every figure here is recalculated in your browser.

Inputs used

Total Advancesminimum 0
620,000,000
Total Depositsminimum 0
800,000,000
Internal Ceilingaccepts 40–110 %
78 %

Results

Credit To Deposit Ratio
77.500%
Additional Lending Capacity
$4,000,000.00
Deposits Needed To Restore The Ceiling
$0.00
Assessment
Within the internal ceiling

Step by step

  1. 1Values used
  2. 2Credit deposit ratio
  3. 3Credit To Deposit Ratio= 77.500
  4. 4Additional Lending Capacity= 4,000,000.00
  5. 5Deposits Needed To Restore The Ceiling= 0.00
  6. 6Assessment= Within the internal ceiling

Assumptions and limits

  • The result is derived only from the 3 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax, fees or charges or compounding frequency into account.
  • Figures are rounded for display to 3 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Figures are estimates based on the inputs given. Bank charges, regulatory minima and market rates change and differ between institutions and jurisdictions. This is not financial advice — confirm with your bank or treasury policy.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates based on the inputs given. Bank charges, regulatory minima and market rates change and differ between institutions and jurisdictions. This is not financial advice — confirm with your bank or treasury policy.

Frequently Asked Questions

What ratio is typical?

Around 70-80% for commercial banks. Above 90% usually means significant non-deposit funding.

Is a low ratio safe but costly?

Yes. Surplus funds sit in securities earning less than loans, which drags on margin.

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