Still, Commonwealth's current rate for insured retail deposits of $100,000 or less remains among the highest in Texas, at 9.5 percent.

This meant banks had fewer sources of funds to turn to, although an increase in retail deposits over this period provided some offset.

An important distinction is that made between retail and wholesale deposits and loans.

They are wholesale not retail deposits, and yet they were still included in M1.

These retail deposits were not included in M1.

In addition to retail deposits, broad definitions also include wholesale deposits.

Large banks lost between 14% and 45% of their retail deposits.

The rating service did, however, cite the bank's profitable consumer-lending business and strong retail deposits.

Slovenská sporiteľňa is the largest bank in the country, serving 2.5 million clients with a market share by retail deposits of almost 28%.

The bank has a market share by retail deposits below 1%.