Wells Fargo & Company Noninterest-bearing deposits decreased by 0.4% to $365.37B in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 4.8%, from $383.62B to $365.37B. Over 5 years (FY 2020 to FY 2025), Noninterest-bearing deposits shows a downward trend with a -4.8% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Higher levels indicate a lower cost of funds, which generally improves the net interest margin.
This metric represents the total balance of customer deposits that do not earn interest, typically held in demand deposi...
A key performance indicator for retail and commercial banks to measure funding cost efficiency.
fin_deposits_noninterest_bearing| 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 | $504.11B | $529.05B | $527.75B | $529.96B | $515.44B | $494.59B | $458.01B | $434.91B | $402.32B | $384.33B | $360.28B | $356.16B | $348.53B | $370.01B | $383.62B | $377.44B | $370.84B | $366.81B | $365.37B |
| QoQ Change | — | +4.9% | -0.2% | +0.4% | -2.7% | -4.0% | -7.4% | -5.0% | -7.5% | -4.5% | -6.3% | -1.1% | -2.1% | +6.2% | +3.7% | -1.6% | -1.7% | -1.1% | -0.4% |
| YoY Change | — | — | — | — | +2.2% | -6.5% | -13.2% | -17.9% | -21.9% | -22.3% | -21.3% | -18.1% | -13.4% | -3.7% | +6.5% | +6.0% | +6.4% | -0.9% | -4.8% |
| % of Deposits | 35.0% | 36.0% | 35.6% | 35.8% | 36.2% | 35.4% | 33.1% | 31.9% | 29.9% | 28.4% | 26.5% | 25.8% | 25.5% | 27.4% | 28.0% | 27.7% | 27.7% | 26.8% | 25.6% |
| Share Change | — | +1.0pp | -0.4pp | +0.2pp | +0.4pp | -0.8pp | -2.3pp | -1.2pp | -2.0pp | -1.5pp | -1.9pp | -0.8pp | -0.2pp | +1.9pp | +0.5pp | -0.2pp | -0.1pp | -0.8pp | -1.2pp |
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