Liquidity compounds faster than credit takes hold.
Thesis
نقدینگی اعتبار را شکل میدهد
Reserve-to-Deposit ratio% of total deposits
actualprojectedtrailing
Reserve ratio
44%+91% YoY
Current quarter — highest since 1969
Deposit Volume
$127M+34% YoY
Long-term deposits growing faster than demand deposits
NoteReserve build-out outpaces lending growth for the first time in six quarters. The ratio increase signals a deliberate consolidation phase rather than capital idle.