Consumer And Business Banking — Noninterest-bearing deposits
U.S. Bancorp Consumer And Business Banking — Noninterest-bearing deposits increased by 0.2% to $19.64B in Q3 2025 compared to the prior quarter. Year-over-year, this metric declined by 5.5%, from $20.78B to $19.64B. This is a positive signal — higher values indicate stronger performance for this metric.
Analysis
How to read this metric
An increase suggests strong customer loyalty or high operational cash balances, while a decrease may indicate customers moving funds to interest-bearing alternatives in a rising rate environment.
Detailed definition
This represents the total balance of customer deposit accounts that do not pay interest to the account holder. These dep...
Peer comparison
Peers typically report this as 'Demand Deposits' or 'Noninterest-bearing core deposits' and use it as a primary indicator of funding cost efficiency.
usb_segment_consumer_and_business_banking_noninterest_bearing_depositsHistorical Data
| Q2 '21 | Q3 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q1 '25 | Q2 '25 | Q3 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $40.48B | $34.42B | $32.09B | $31.64B | $31.08B | $43.50B | $35.49B | $25.59B | $21.50B | $20.90B | $20.78B | $19.18B | $19.61B | $19.64B |
| QoQ Change | — | -15.0% | -6.7% | -1.4% | -1.8% | +39.9% | -18.4% | -27.9% | -16.0% | -2.8% | -0.6% | -7.7% | +2.2% | +0.2% |
| YoY Change | — | — | — | -21.8% | -9.7% | +35.5% | +12.2% | -17.7% | -50.6% | -41.1% | -18.8% | -10.8% | -6.2% | -5.5% |
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Frequently Asked Questions
- What is U.S. Bancorp's consumer and business banking — noninterest-bearing deposits?
- U.S. Bancorp (USB) reported consumer and business banking — noninterest-bearing deposits of $19.64B in Q3 2025.
- How has U.S. Bancorp's consumer and business banking — noninterest-bearing deposits changed year-over-year?
- U.S. Bancorp's consumer and business banking — noninterest-bearing deposits decreased by 5.5% year-over-year, from $20.78B to $19.64B.
- What does consumer and business banking — noninterest-bearing deposits mean?
- The total amount of customer money held in accounts that do not earn interest.