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 (BAC 2.03%) and Wells Fargo (WFC 1.99%) 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.