Consumer And Business Banking — Noninterest-bearing deposits
U.S. Bancorp Consumer And Business Banking — Noninterest-bearing deposits decreased by 6.5% to $18.36B in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 4.4%, from $19.2B to $18.36B. This decline may warrant attention — for this metric, higher values are generally preferred.
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 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $33.7B | $33.4B | $206M | $31.27B | $30.49B | $30.83B | $997M | $41.27B | $34.12B | $25.56B | $21.39B | $20.85B | $20.67B | $19.2B | $19.61B | $19.64B | $18.36B |
| QoQ Change | — | -0.9% | -99.4% | >999% | -2.5% | +1.1% | -96.8% | >999% | -17.3% | -25.1% | -16.3% | -2.5% | -0.8% | -7.1% | +2.1% | +0.2% | -6.5% |
| YoY Change | — | — | — | — | -9.5% | -7.7% | +384.0% | +32.0% | +11.9% | -17.1% | -48.2% | -38.9% | -19.1% | -10.2% | -5.9% | -5.0% | -4.4% |
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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 $18.36B in Q1 2026.
- 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 4.4% year-over-year, from $19.2B to $18.36B.
- What does consumer and business banking — noninterest-bearing deposits mean?
- The total amount of customer money held in accounts that do not earn interest.