The aggregated amount of a bank’s deposits at a given point in time. It measures all the money placed into a deposit account under various arrangements including, savings accounts, checking accounts and money market accounts.

Practically, total deposits constitute the aggregate amounts deposited with a bank as of the close of business on a business day (the closing date), including accrued and unpaid interest on all such accounts, through the close of business on the closing date. A bank’s liquidity typically assessed by comparing a bank’s total loans to its total deposits (a ratio known as The loan-to-deposit ratio, or simply as LDR) for the same period.