Edit target balance

The Edit Target Balance feature in the NBID Admin Portal lets your institution manage how much it aims to receive from the deposit network each day. This amount, called the Target Balance, represents the maximum amount of deposits your institution is willing to receive. Allocations are managed daily to meet your institution’s demand within the limits you set.

Your institution can choose between a Static Target Balance, which remains constant, or a Dynamic Target Balance that adjusts automatically based on your institution's sweep activity.

Setting a static target balance

Receive ProgramManage ProgramEdit Target BalanceStatic Target BalanceConfirm

Static Target Balances allow your institution to manage your Receive Program independently of your Sweep Program, serving as an absolute cap to the amount of deposits you wish to receive from the network. To submit a new target balance, select Static Target Balance, enter the desired amount, and click Confirm. Your new Target Balance will appear at the header of your Receive Program.

Setting a dynamic target balance

Receive ProgramManage ProgramEdit Target BalanceDynamic Target Balance

Dynamic Target Balance allows you to automatically adjust your target receive balance based on your sweep activity, eliminating the need to manually update your target balance as your sweep balance changes.

With Dynamic Target Balance enabled, your Target Balance automatically adjusts in real-time as the total balance your bank is sweeping into the network changes. Through this functionality, you define your desired balance as a spread relative to the total sweep balance, rather than as a fixed dollar amount. Select Dynamic Target Balance and configure your spread to achieve different balance sheet strategies:

Reciprocate exactly (zero spread)

Reciprocate ExactlyConfirm

Target to receive the same amount you sweep into the network by selecting the Reciprocate Exactly option, then Confirm.

Reciprocate with a positive spread (net-sourcing)

Reciprocate With SpreadSpread AmountConfirm

Target to receive a custom amount above your sweep balance by selecting the Reciprocate With Spread option, entering your desired Spread Amount as a positive number, then Confirm.

Reciprocate with a negative spread (net-sweeping)

Reciprocate With SpreadSpread AmountConfirm

Target to receive a custom amount below your sweep balance by selecting the Reciprocate With Spread option, entering your desired Spread Amount as a negative number, then Confirm. Note that the floor for target balances is set to $0, so your target balance can never drop below $0.

Illustrative examples

With a Dynamic Target Balance, your Target Balance = Current Sweep Amount + Spread Amount, and it never drops below $0. Before you click Confirm, the portal shows your Current Sweep Amount and the New Target Balance with Spread Applied.

For example, an institution sweeps $10M into the network. A depositor then withdraws $2M, so the sweep balance falls to $8M:

The spread stays fixed, so the Target Balance always sits the same distance above or below the sweep balance.

How deposits received through the network are classified and reported, including any amount received above your sweep balance, is determined by your institution in consultation with its primary regulator.