JPM · 10-Q · 2026Q2 · Full report
Deposit Growth and Composition
JPMORGAN CHASE & CO · 2026-08-06 · Importance 49 · Surprise 32 · No source text
Firmwide period-end deposits increased to $2,713.7 billion at June 30, 2026 from $2,559.3 billion at December 31, 2025, while average deposits rose 7.2% year over year to $2,685.6 billion in the second quarter. Commercial & Investment Bank deposits increased to $1,307.2 billion from $1,193.3 billion, primarily from client-driven inflows in Payments and Securities Services, while Consumer & Community Banking deposits increased to $1,093.9 billion from $1,072.8 billion. Average U.S. deposit rates declined to 1.40% from 1.60% year over year, and total average deposits outside the U.S. increased to $585.4 billion from $518.6 billion. Estimated uninsured deposits increased to $1,743.9 billion from $1,558.6 billion, primarily reflecting wholesale operating deposits.
Key facts
- Deposits were $2,713,700 million at June 30, 2026 (included $26,229 at fair value) and $2,559,320 million at December 31, 2025 (included $20,930 at fair value). source
- Average total deposits for the three months ended June 30, 2026: $2,685,578 million; for the three months ended June 30, 2025: $2,505,114 million. source
- Average total deposits for the six months ended June 30, 2026: $2,644,460 million; for the six months ended June 30, 2025: $2,467,917 million. source
- Estimated uninsured deposits at June 30, 2026: $1,743.9 billion; at December 31, 2025: $1,558.6 billion. source
- Net change in deposits provided $149,395 million in financing activities for the six months ended June 30, 2026 (versus $153,462 million for the six months ended June 30, 2025). source
- Deposits as of June 30, 2026: $2,713,700 million (average deposits $2.7 trillion were up 7% year-over-year) source
- CCB deposits at period-end June 30, 2026: $1,093,862 million. source
- Uninsured U.S. time deposits with remaining maturity three months or less at June 30, 2026: $119,947 million; non-U.S.: $80,098 million. source
Impact estimates
| metric | direction | stage | expected | basis |
|---|---|---|---|---|
| liability | negative | realized | -3.6% | Average total deposits for the three months ended June 30, 2026: $2,685,578 million; for the three months ended June 30, 2025: $2,505,114… |
| liability | negative | realized | -3.5% | Average total deposits for the six months ended June 30, 2026: $2,644,460 million; for the six months ended June 30, 2025: $2,467,917… |
| liability | negative | realized | -3.1% | Deposits were $2,713,700 million at June 30, 2026 (included $26,229 at fair value) and $2,559,320 million at December 31, 2025 (included… |
| cash | positive | realized | +3.0% | Net change in deposits provided $149,395 million in financing activities for the six months ended June 30, 2026 (versus $153,462 million… |
| liability | negative | realized | — | Total uninsured U.S. time deposits at June 30, 2026: $152,935 million; non-U.S.: $91,928 million. |
| liability | negative | realized | — | Total uninsured U.S. time deposits at June 30, 2026: $152,935 million; non-U.S.: $91,928 million. |