The rate at which customers and businesses are depositing money into the banks is moving much faster than the rate that banks are willing to lend at. This has led big banks like Bank of America (NYSE:BAC) and Wells Fargo (NYSE:WFC) to have historically low loan-to-deposit ratios.

In this segment from The Motley Fool's everything-financials show, Where the Money Is, banking analysts David Hanson and Matt Koppenheffer take a question from their mailbag about what this means for investors.

So which big bank makes the best investment today?
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David Hanson owns shares of JPMorgan Chase. Matt Koppenheffer owns shares of Bank of America, Citigroup, and JPMorgan Chase. The Motley Fool recommends Bank of America and Wells Fargo. The Motley Fool owns shares of Bank of America, Citigroup, JPMorgan Chase, and Wells Fargo. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.