Estimate the deposits leaving your institution for crypto exchanges and the cost of replacing that funding. Search any US bank or credit union to start from your own call report data.
Search any US bank or credit union to auto-fill the model with their latest call report deposits. You can adjust every other input afterwards.
Deposit Base
Locked to the institution's call report total when you select one above. Numeric field is in millions of dollars.
Used to estimate customer or member count. Credit unions typically run near $18k; community banks near $35k; trust charters higher.
Derived from total deposits divided by average balance. Call reports do not disclose customer counts.
Exchange Activity
Share of customers transacting with crypto exchanges through their accounts. NCA's 2026 survey counts roughly 25% of US adults (about 67 million) as crypto owners; KlariVis found 9 in 10 of the 92 community banks it studied had customers actively transacting with exchanges. The default sits below adult ownership because not every owner transacts through their bank account in a given period. Sources: NCA 2026 State of Crypto Holders Report · KlariVis, "The Quiet Spread" (2026)
Planning assumption: gross dollars sent to exchanges per crypto-active customer per year. Published per-user figures vary widely, and exchange-reported retail volume per user (Coinbase's, for example) runs well above this default. Adjust to your own transaction data.
Share of gross outbound dollars that do not return. KlariVis's transaction-level research on 226,000 Coinbase-related transactions across 92 community banks found $2.77 leaving for every $1 returning, implying roughly 64% of gross outbound flow stays gone (1 − 1/2.77). Source: KlariVis, "The Quiet Spread" (2026)
Funding & Growth
Adjustable assumption: the spread between marginal wholesale funding (FHLB advances, brokered deposits) and the interest previously paid on the deposits that left. Set it to your own funding curve.
Annual percentage-point growth in the crypto-active share. Security.org's annual survey shows US adult ownership rising from 27% in 2024 to 30% in 2026. KlariVis flags potential acceleration if exchanges and stablecoin platforms pay yield on balances. Sources: Security.org 2026 Cryptocurrency Adoption and Sentiment Report · KlariVis (2026)
Projection Horizon
How the model works: customers = deposits ÷ average balance. Each year, crypto-active customers × gross transfers × net outflow ratio = net deposits gone. Replacement cost carries the cumulative departed balance at your chosen spread.
Year 1 rates · cumulative figures over the selected horizon
Crypto-Active Customers
1,714
of 14,286 estimated · 12.0% of base
Annual Net Outflow (Year 1)
$3.29M
64% of gross transfers stays gone
Replacement Funding Cost
$549K
Year 5 run-rate · lost funding × 250 bps
Cumulative Net Outflow
$21.9M
over 5 years · 4.4% of deposits
| Year | Active share | Net outflow | Cumulative | Repl. cost |
|---|
96.3%of crypto transaction volume linked to money market accounts was outbound in KlariVis's study of 92 community banks, the most one-directional flow of any account category in the dataset. The account type usually treated as rate-sensitive savings showed the least round-trip activity.
Click any cell to apply that combination.
Modeled
Not modeled
Planning estimates, not projections of any specific institution's experience. This is a directional model that applies published research to call report data with user-controlled assumptions. Institution data is sourced from FDIC BankFind Suite (banks) and NCUA Quarterly Call Report Data (credit unions).
This model applies published research to call report totals. Your core and debit-card data can show the actual flows. In NCA's 2026 survey, 76% of crypto holders said they want to buy, hold, and manage digital assets through their bank. That's the same activity this tool measures leaving.
Every default in this model traces to a published source or is labeled a planning assumption. Here is where each number comes from.
Estimated customers = total deposits ÷ average balance per customer. Each projection year, crypto-active customers = estimated customers × active share, where the active share grows by your chosen percentage points annually (capped at 100%). Annual net outflow = active customers × gross transfers per customer × net outflow ratio. Replacement funding cost in a given year = cumulative net outflow to date × replacement spread — the ongoing cost of carrying wholesale funding in place of the deposits that left.
The 12% crypto-active default is deliberately below the ~25–30% adult ownership rates reported by NCA and Security.org, because owning crypto and routing monthly exchange transfers through a bank account are different behaviors. The 64% net outflow ratio converts KlariVis's $2.77-out-per-$1-back finding into a retention figure (1 − 1/2.77 ≈ 0.64). The $3,000 gross transfer default and the 250 bps replacement spread are planning assumptions. Both are fully adjustable, and the sensitivity table shows how the result moves across the plausible range.
Talk to our team about running this analysis against your institution's actual transaction data, and how regulated institutions offer Bitcoin services through their existing core.
Request a WalkthroughWe'll generate a branded PDF with your scenario inputs, the year-by-year outflow projection, and your institution's call report snapshot if you selected one. A link back to this exact live view is included for easy sharing.