Deposit Retention Index™

DCG’s monthly Deposit Retention Index™ (DRI) is a seasonally adjusted, annualized measure of the percentage of deposit relationships and associated dollars that banks and credit unions retain compared with the same point one year earlier. Built from account-level data across consumer, business, and municipal accounts, it aggregates institution-level results into a single national benchmark that is comparable over time. Readings above 100% indicate expanding deposit relationships, while readings below 100% signal contraction. By focusing on retention rather than balances alone, the DRI provides a clearer view of how deposits and the underlying flow of funds are truly behaving. 

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Bankers can use the DRI as a consistent monthly benchmark to evaluate retention performance against the broader industry and to monitor shifts in deposit behavior as they emerge. Because it captures underlying account movement, it surfaces changes that traditional metrics often miss, including churn, migration, and disintermediation. The DRI reflects not just how deposits change, but how stable those relationships are, offering a direct read on competitive dynamics in funding markets. 

This makes the DRI a leading indicator of liquidity conditions and competitive pressure, often revealing trends ahead of quarterly reporting cycles. Even when total deposits appear stable, it can uncover underlying instability as funds shift across institutions or out of the banking system. Built on longitudinal data from more than 300 financial institutions across all 50 states, representing over five billion account records, the DRI delivers a high-frequency view of depositor behavior that supports more informed and timely decision-making. 

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