The materials available in this article are for informational purposes only and not for the purpose of providing legal advice. You should contact your own advisors with questions regarding the Loan-To-Deposit Ratio content herein. The opinions expressed in this article are the opinions of the individual authors and may not reflect the opinions of MeridianLink, Inc.
Updated: August 5, 2025
Trying to boost your deposit-to-loan ratio? Look to the data.
Financial institutions nationwide are continuing to prioritize deposit growth. That’s nothing new. What is new, however, are the circumstances FIs must navigate to achieve that desired growth: evolving interest-rate policy, inflation concerns, and a fintech world that’s rapidly increasing the number of financial transactions and convenience it can offer consumers.
These factors can make growing and retaining business a challenge. And that, in turn, makes data more crucial than ever.
When you truly understand your consumers’ needs, you can move faster, make smarter decisions, and drive greater impact—retaining deposits and expanding lending opportunities. That clarity comes from data. In this blog, we’ll explore a few ways you can uncover untapped opportunities, reduce attrition, and strengthen your LTD ratio for long-term, sustainable growth.
Stronger consumer experiences are your through-line to a stronger LTD.
Today’s consumers demand quality, personalized service with digital convenience. Delivering on these expectations isn’t just good service—it’s essential to hitting your FI’s retention and growth goals. And with more engaged consumers comes a stronger deposit base and greater lending potential, directly improving your loan-to-deposit ratio.
So, how does data help you strike this balance? It can:
- Pre-fill loan and deposit applications using existing consumer data, reducing drop-offs and accelerating approvals.
- Deliver highly targeted, personalized offers based on consumer behavior and financial needs, driving increased deposit inflows and expanding lending opportunities essential to improving your LTD ratio.
- Provide near real-time alerts on shifts in consumer activity, allowing your team to proactively engage high-value customers and prevent attrition before it impacts your portfolio.
- Identify precise cross-sell and upsell moments, increasing average account value and deepening consumer relationships.
- Analyze long-term data trends to optimize product mix and pricing strategies, helping your institution stay competitive while maximizing profitability and portfolio health.
These are just a few of the ways your FI can use data to drive smarter engagement and growth. When you turn insights into action, you create consumer experiences that fuel satisfaction—and directly contribute to a healthier, more balanced portfolio.
Improve Your LTD With MeridianLink
The digital banking era isn’t just here—it’s redefining how consumers choose where to bank. To stand out, meet ambitious growth targets, and build a resilient, profitable portfolio, your institution needs more than data—you need a partner who turns that data into timely, actionable insights.
MeridianLink is that partner. Our MeridianLink® One platform delivers powerful analytics, advanced engagement tools, and seamless digital lending—all designed to drive balanced loan and deposit growth while elevating consumer experiences. Financial institutions nationwide are already unlocking transformative results with MeridianLink.
Ready to accelerate your growth and strengthen your LTD ratio? Click below to access our Data Delivers eBook and start your journey to smarter, more sustainable performance today!
