Loan To Deposit Ratio Calculator

The loan to deposit ratio calculation can easily be performed by using the loan to deposit ratio calculator below.  The calculator will simply provide a mathematical ratio of the loan/deposit amount.

Loan Amount
Deposit Amt.

Loan To Deposit: %


On This Page

  • Loan To Deposit Ratio Usage
  • What Is A Good Loan To Deposit Ratio?
  • Loan To Deposit Ratio Formula

Loan To Deposit Ratio Calculation Usage

  • Used by investors to determine company’s short-term viability
  • Used to ensure money needed is immediately available
  • Used when underwriting business insurance

What Is A Good Loan To Deposit Ratio?

According to Investopedia, 2008 loan to deposit ratios were as follows:

In 2008, the FDIC reported that statewide LTD ratios in the United States ranged from a low of 56% in Utah to a high of 170% in North Dakota.

Loan To Deposit Ratio Formula

The loan to deposit ratio formula is a simple mathematical ratio where:

LTD% = Loan Amount / Deposit Amount