Deposit Attrition Analyzer
Estimate the deposits leaving your institution for digital asset exchanges, and the cost of replacing that funding. Start from your own call report totals and adjust every assumption.
Find your institution
Search by name, city, or state; results pre-fill the model from the latest FDIC and NCUA call reports.
Deposit Base
Logarithmic scale. The numeric field is in millions of dollars. Type an exact figure from your call report if you have one.
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 digital asset exchanges through their accounts. NCA’s 2026 survey counts roughly 25% of US adults as holders; 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 holder transacts through their bank account in a given period.
Sources: NCA 2026 State of Crypto Holders Report · KlariVis (2026)
Planning assumption: gross dollars sent to exchanges per active customer per year. Published per-user figures vary widely, and exchange-reported retail volume per user 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 exchange-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 active share. Security.org’s annual survey shows US adult ownership rising from 27% in 2024 to 30% in 2026.
Source: Security.org 2026 Cryptocurrency Adoption and Sentiment Report
Projection Horizon
Net Outflow by Year
Year-by-Year Projection
| Year | Active share | Net outflow | Cumulative | Repl. cost |
|---|
Sensitivity: active share × gross transfers per customer
Annual net outflow. Click any cell to apply that combination.
| Active share | $1,000 | $3,000 | $6,000 | $9,000 | $12,000 |
|---|
Money market balances are the most exposed
96.3% of digital asset 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.
Model mechanics
Estimated customers = total deposits ÷ average balance per customer. Each projection year, digital-asset-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.
Where the defaults sit
The 12% digital-asset-active default is deliberately below the ~25–30% adult ownership rates reported by NCA and Security.org, because owning bitcoin 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.
What’s modeled and what isn’t
Modeled
Transfer flows scaled to your deposit base. Customers estimated from deposits ÷ average balance; an adjustable digital-asset-active share; per-customer gross transfers; and a research-based net outflow ratio.
Growth in the active share. The digital-asset-active share rises by your chosen number of percentage points each year of the projection.
Replacement funding cost. Cumulative departed deposits carried at your chosen spread over the interest previously paid on them.
Not modeled
Relationship attrition beyond transfers. Customers who move their entire relationship (checking, cards, lending) are not captured.
Fee income lost on departed relationships, such as interchange and account fees tied to balances that leave.
Rate-driven deposit migration unrelated to digital asset exchanges (money market funds, Treasuries, competitor rate offers).
Market-cycle variation. Per-customer transfer levels vary widely with market cycles; the model holds them constant.
Sources
Every default traces to a published source or is labeled a planning assumption.
KlariVis, "The Quiet Spread" white paper and companion article (2026). Transaction-level analysis of 226,000 Coinbase-related transactions across 92 community banks: 9 in 10 of the banks studied had customers actively transacting with exchanges; $2.77 left for every $1 that returned; and 96.3% of transaction volume linked to money market accounts was outbound. Read it.
Cornerstone Advisors, "Stemming the Deposit Outflow" (July 2025). Commissioned by InvestiFi. Estimates community banks and credit unions have lost $2.15 trillion in deposits to investment and trading platforms.
National Cryptocurrency Association, 2026 State of Crypto Holders Report. Harris Poll. Roughly 1 in 4 US adults, about 67 million people, hold digital assets; 76% of holders say they want to buy, hold, and manage them through their bank.
Security.org, 2026 Cryptocurrency Adoption and Sentiment Report. US adult ownership rose from 27% in 2024 to 30% in 2026, informing the active-share growth default.
FDIC BankFind Suite and NCUA Quarterly Call Report Data. The source for institution deposit totals when sizing the model to a named bank or credit union.
This tool is provided for educational and informational purposes only. It does not constitute legal, financial, investment, tax, or accounting advice, and its outputs are illustrative approximations rather than projections of any institution’s actual results. Consult your own legal, financial, and compliance advisors before making business decisions. This is a directional model that applies published research to call report data with user-controlled assumptions.
Related
The revenue side of the same customer activity: Bitcoin Exchange Revenue Analyzer.
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