What This Dashboard Tracks
The Bank Funding & Liquidity Monitor brings together public Federal Reserve, FDIC, and Federal Home Loan Bank data that describe the cost, composition, and resilience of bank funding. Funding conditions shape banks' capacity to retain assets, originate new credit, and compete with private lenders and capital markets.
Core Data Series
Deposit Trends: Federal Reserve H.8 data tracks aggregate deposits at commercial banks, including the distinction between large domestically chartered banks, smaller domestic banks, and foreign-related institutions.
Wholesale Funding: Federal Home Loan Bank advances and other borrowed funds show the extent to which institutions are supplementing deposits with secured wholesale financing.
Federal Reserve Liquidity Facilities: The Federal Reserve H.4.1 release reports discount-window borrowing and other central-bank credit. Usage is interpreted as a system-level liquidity indicator, not as evidence about any individual institution.
Liquid Asset Capacity: Call Report and FDIC Quarterly Banking Profile data provide context on cash, securities portfolios, uninsured deposits, and funding concentration across bank cohorts.
How to Read It
Deposit outflows are not automatically a credit event if banks hold ample liquidity or replace funding without materially impairing capital and lending capacity. Risk increases when deposit pressure, higher wholesale funding costs, unrealized securities losses, and tightening lending standards occur together.
Sources: Federal Reserve H.8 and H.4.1 releases; FDIC Quarterly Banking Profile and Call Reports; Federal Home Loan Banks Office of Finance reports.