Summary of Deposits Survey and Filing for June 30, 2026 — FDIC — US

Summary of Deposits and Assessment Related Forms and Reports

May 29, 2026

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Summary:
The Summary of Deposits (SOD) is the annual survey of branch office deposits as of June 30, 2026 for all FDIC-insured institutions, including insured U.S. branches of foreign banks. All institutions with branch offices are required to submit the survey; institutions with only a main office are exempt. All survey responses are required by July 31, 2026. No filing extensions will be granted. Statement of Applicability to Institutions with Total Assets Under $1 Billion:
This Financial Institution Letter (FIL) applies to all FDIC-insured institutions.
Highlights:
New Multifactor Authentication (MFA) login requirements have been implemented for the Central Data Repository (CDR) . Refer to Section 5C of the SOD instructions for more information. By June 30, 2026, institutions should review their current branch office information using the FDIC’s BankFind Suite - Find Insured Banks website and submit changes through FDICconnect

(FCX). Details on how to use FCX are provided in the SOD reporting instructions. Changes that cannot be submitted through FCX should be included in the SOD survey. Beginning July 1, 2026, institutions may submit their SOD survey. All survey responses are required by July 31, 2026. No extensions will be granted for submitting SOD data. Institutions must either complete the survey directly in the CDR , or use vendor software to prepare and submit their survey responses to the CDR. Branch data in the CDR can be imported and exported using CSV files. Software vendors available to assist with the SOD filing are listed under “Filing Procedures” within this FIL. Reporting instructions are available on the FDIC’s Summary of Deposits website. Requirements for certain event Change Codes have been revised. Refer to Section 4 of the SOD instructions. Also, the definitions for Loan Production Office and Retail Office have been refined. Refer to Section 5I of the SOD instructions for amending SOD surveys after initial submission. No later than September 30, 2026, SOD survey results will be published on the FDIC’s BankFind Suite - Summary of Deposits website. May 29, 2026 | FIL-25-2026 Summary of Deposits Survey Filing for June 30, 2026 The Summary of Deposits (SOD) is the annual survey of branch office deposits as of June 30, 2026 for all FDIC-insured institutions, including insured U.S. branches of foreign banks. Institutions with branch offices are required to submit the survey to the FDIC by July 31, 2026. Institutions with only a main office are exempt; however, they will be included in the survey results based on the total deposits reported on their June Call Report. Publication of the survey data is dependent on timely and accurate filing by respondent institutions; therefore, no filing extensions will be granted. 2026 Summary of Deposits Timeline By June 30, 2026 Institutions should review branch office information (branch office names, physical addresses, and service types) using the FDIC’s BankFind Suite - Find Insured Banks website. Changes should be submitted through FDICconnect (FCX). Changes that cannot be submitted through FCX and changes that are not submitted by June 30, 2026, should be included in the SOD survey itself. Beginning July 1, 2026 Institutions may submit their SOD survey for June 30, 2026. However, the FDIC recommends that institutions submit their Call Report for June 30, 2026, before filing the SOD survey, to enable comparisons of deposit totals between the two reports. By July 31, 2026 Your completed SOD survey must be received by July 31, 2026. No extensions will be granted for submitting SOD data. By September 30, 2026 SOD survey results will be published on the FDIC’s BankFind Suite - Summary of Deposits website no later than September 30, 2026. Institutions that have subscribed to receive FDIC email updates will be notified by email when the 2026 SOD data and deposit market share reports become available. Institutions can
use this link to subscribe to email updates. Reporting Instructions Comprehensive reporting instructions for the 2026 SOD survey are available on the FDIC’s Summary of Deposits website. The following event Change Codes now require an effective date: 450 – Service Level, 510 – Office Title, 520 – Office Relocation and 721 – Office Closed. Event Change Codes for 998 – Deletion and 999 – Correction now require a comment. Please refer to Section 4 of the SOD instructions for more information. Additionally, refinements have been made to the definitions of Loan Production Office (LPO), service level 24 and Retail Office, service level 28. For more information, refer to Section 7 of the SOD instructions. Filing Procedures The FDIC collects the SOD survey using the Federal Financial Institutions Examination Council’s Central Data Repository (CDR). Institutions must either complete the survey directly in the CDR, or use vendor software to prepare and submit their survey responses to the CDR. If You Use the CDR to Complete the Survey Institutions may use the CDR to submit revised branch-office structure and geographical information with the survey, edit and validate SOD data, and submit the completed survey. Branch data can also be imported and exported using CSV files. Institutions may access the SOD survey within the CDR at https://cdr.ffiec.gov/cdr . For more information, refer to Section 5F of the SOD Instructions . Login Requirements for the CDR Multifactor Authentication (MFA) has been implemented in the CDR application to enhance data security, and all existing users were contacted to register for MFA. Users who have not yet registered for MFA must complete the registration process to access the system and submit SOD Reports. Refer to Section 5C of the SOD instructions, or contact the CDR Help Desk at cdr.help@cdr.ffiec.gov for further assistance. If You Use Vendor Software to Prepare and Submit the Survey to the CDR

The vendors listed below have developed software to assist with the SOD filing. Institutions should contact these vendors directly for further information about their products and services. Vendor Name Website Phone Number Fed Reporter, Inc. https://www.fedreporter.net/

(888) 972-3772
Nasdaq Inc. https://www.nasdaq.com/

(212) 401-8700
Regnology Solutions US, Inc https://www.regnology.net/en/

(973) 699-5655
Electronic Amendments in the CDR
Amendments to prior year (2025) branch deposit totals may be submitted through July 31, 2026. Amendments to 2026 branch office information and deposit totals may be submitted at any time. Refer to Section 5I of the SOD Instructions for how to amend SOD surveys after initial submission. Following initial publication of SOD survey results by September 30, 2026, amendments may be reflected in periodic updates thereafter. Assistance For assistance with CDR account enrollment or other system-related issues, contact the CDR Help Desk at 1-888-CDR-3111 or by email at cdr.help@cdr.ffiec.gov . For all other questions about the SOD survey, institutions should contact their assigned analyst. If you do not know the analyst assigned to your institution, you should contact the FDIC’s Data Collection and Analysis Section at 1-800-688-3342 . You may also request assistance by email at sod@fdic.gov . Andrew Felton Director Division of Insurance and Research

FIL-25-2026