Deposit over Loan Ratio is Skyrocketing

Deposits have increased, but loans are stalling. Something is wrong.

Deposit to loan ratio is skyrocketing.

Loan growth isn't keeping up with Deposit growth

We've seen deposits grow tremendously, but loan growth has stalled. Typically a sign of a recession.

Commercial loans are dropping.

Loan Growth Vs. Interest Rates

When the Federal Reserve increases interest rates, loan growth will start to go down because people will find it more difficult to borrow at higher rates. Commercial paper rates will move up as banks won't lend out on the longer term.