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A liquid asset requirement, or ratio, is defined as the obligation of commercial banks to maintain a predetermined percentage of total deposits and certain other liabilities in the form of liquid assets. In a number of countries this requirement is calculated as a percentage of short-term liabilities.

Loan Level: JPM has an appropriate level of Loans to Assets ratio (34%). Low Risk Deposits: JPM's Loans to Deposits ratio (55%) is appropriate.

JPMorgan Chase's operated at median total debt / total assets of 19.0% from fiscal years ending December 2018 to 2022. Looking back at the last 5 years, JPMorgan Chase's total debt / total assets peaked in December 2018 at 22.8%. JPMorgan Chase's total debt / total assets hit its 5-year low in December 2021 of 16.7%.

JPMorgan Chase's Capital Adequacy Tier - Tier 1 Ratio % for the quarter that ended in Jun. 2023 was 15.40% , which is the same as 15.40% for the pervious quarter ended in Mar. 2023.

What Is an Ideal LDR? Typically, the ideal loan-to-deposit ratio is 80% to 90%. A loan-to-deposit ratio of 100% means a bank loaned one dollar to customers for every dollar received in deposits it received. It also means a bank will not have significant reserves available for expected or unexpected contingencies.

To calculate the ratio, we divide the total loans by the total deposits from the bank's balance sheet.

JPMorgan reported a 2% rise in deposits to $2.38 trillion at the end of the quarter compared with the end of 2022. While Citigroup's deposits were little changed at $1.33 trillion at the end of the first quarter, CFO Mark Mason said it saw a "meaningful deposit inflow" related to the turmoil.