Current Liabilities
Noninterest-bearing deposits
U.S. Bancorp Noninterest-bearing deposits decreased by 8.1% to $84.12B in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 0.0%, from $84.16B to $84.12B. Over 5 years (FY 2020 to FY 2025), Noninterest-bearing deposits shows a downward trend with a -6.6% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
StatementBalance Sheet Statement
SectionCurrent Liabilities
CategoryProfitability
SignalHigher is better
VolatilityVolatile
First reportedQ4 2022
Last reportedQ1 2026
Parent metricDeposits
How to read this metric
Higher levels indicate a lower cost of funds, which generally improves the net interest margin.
Detailed definition
This metric represents the total balance of customer deposits that do not earn interest, typically held in demand deposi...
Peer comparison
A key performance indicator for retail and commercial banks to measure funding cost efficiency.
Metric ID:
fin_deposits_noninterest_bearingHistorical Data
19 periods
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $135.14B | $135.55B | $134.90B | $129.79B | $129.13B | $115.21B | $137.74B | $124.60B | $105.00B | $98.01B | $89.99B | $91.22B | $86.76B | $86.84B | $84.16B | $84.09B | $86.97B | $91.55B | $84.12B |
| QoQ Change | — | +0.3% | -0.5% | -3.8% | -0.5% | -10.8% | +19.6% | -9.5% | -15.7% | -6.7% | -8.2% | +1.4% | -4.9% | +0.1% | -3.1% | -0.1% | +3.4% | +5.3% | -8.1% |
| YoY Change | — | — | — | — | -4.4% | -15.0% | +2.1% | -4.0% | -18.7% | -14.9% | -34.7% | -26.8% | -17.4% | -11.4% | -6.5% | -7.8% | +0.2% | +5.4% | -0.0% |
| % of Deposits | 30.9% | 30.6% | 29.6% | 28.1% | 27.6% | 24.5% | 26.2% | 24.7% | 20.1% | 18.9% | 17.6% | 17.3% | 16.6% | 16.7% | 16.2% | 16.4% | 16.8% | 17.4% | 16.1% |
| Share Change | — | -0.3pp | -1.0pp | -1.5pp | -0.5pp | -3.2pp | +1.8pp | -1.6pp | -4.5pp | -1.2pp | -1.3pp | -0.3pp | -0.7pp | +0.1pp | -0.4pp | +0.2pp | +0.4pp | +0.6pp | -1.3pp |
Range$84.09B – $137.74B
CAGR-10.0%
Avg YoY Growth-10.3%
Median YoY Growth-7.8%
Noninterest-bearing deposits at Other Companies
Frequently Asked Questions
- What is U.S. Bancorp's noninterest-bearing deposits?
- U.S. Bancorp (USB) reported noninterest-bearing deposits of $84.12B in Q4 2025.
- How has U.S. Bancorp's noninterest-bearing deposits changed year-over-year?
- U.S. Bancorp's noninterest-bearing deposits decreased by 0.0% year-over-year, from $84.16B to $84.12B.
- What is the long-term trend for U.S. Bancorp's noninterest-bearing deposits?
- Over 5 years (2020 to 2025), U.S. Bancorp's noninterest-bearing deposits has grown at a -6.6% compound annual growth rate (CAGR), from $118.09B to $84.12B.
- What does noninterest-bearing deposits mean?
- Customer funds held in accounts that do not pay interest to the depositor.