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 -1.07%) and Wells Fargo (WFC -1.11%) 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?
Many investors are terrified about investing in big banking stocks after the crash, but the sector has one notable stand-out. In a sea of mismanaged and dangerous peers, it rises above as "The Only Big Bank Built to Last." You can uncover the top pick that Warren Buffett loves in The Motley Fool's new report. It's free, so click here to access it now.