Loans to Deposits Ratio Calculator

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On this page is a bank LDR calculator or loans to deposits ratio calculator. Enter a bank's total loans and total deposits to see the loan to deposit ratio.

Loan to Deposit Ratio Calculator

What is the loans to deposits ratio?

The loan to assets ratio is a temperature check and liquidity ratio for evaluating banks and depository institutions, showing how well a bank could cover withdrawals and loan losses. It's a useful adjunct to the reserve ratio, as banks need to maintain some cash on the books to match their deposit base.

Loan to Deposit Ratio Formula

The loan to deposit ratio formula is:

Loan\ to\ Deposit\ Ratio=\frac{Total\ Loans}{Total\ Deposits}


  • Total Loans – Total loans, from the Balance Sheet.
  • Total Deposits – All customer deposits listed on the Balance Sheet.

Other Banking Ratio and Valuation Calculators

Now that you've tried the loan to deposit ratio calculator, try these other DQYDJ tools to value banks:



PK started DQYDJ in 2009 to research and discuss finance and investing and help answer financial questions. He's expanded DQYDJ to build visualizations, calculators, and interactive tools.

PK lives in New Hampshire with his wife, kids, and dog.

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