Ninety cents of every bank deposit dollar now comes from retailconsumers.

That discovery is according to research firm Market RatesInsight, which found that retail deposits increased from 83% of alldomestic deposits in 2008 to 90% as of June 2011.

On the other end of the spectrum, business and wholesaledeposits decreased from 17% of domestic deposits in June of 2008 to10% in June of this year.

In dollar amounts, retail consumer deposits grow from $5,840billion in June of 2008 to $7,407 billion in June of this yearwhile business and wholesale deposits decreased from $1.189 trillionin June of 2008 to $819 billion for the same period.

The amount of retail deposits would have been higher andwholesale deposits lower but for a change in the FDICclassification of retail deposits in March 2010, which excludesbrokered deposits from the retail category, according to MRI.

“The shift towards a higher percentage of retail deposits is bydesign,” said Dan Geller, executive vice president at MRI. “[It]lowers liquidity vulnerable by reducing the risk of largewithdrawals by businesses or wholesale depositors, and it providesopportunities for closer relationship with individual consumers,which promotes greater loyalty and additional revenue streams.”