They borrow from other banks or from the Fed. Borrowing from the Fed is generally more expensive, though. In general, yes, the aggregated loans and deposits ar

They borrow from other banks or from the Fed. Borrowing from the Fed is generally more expensive, though. In general, yes, the aggregated loans and deposits are largely tied together. There some fuzziness even here, though, as the Fed can inject money or move loans onto their books in a number of ways.