Queensland-based banks are losing the battle for retail deposits to the major banks, ING Direct and a handful of regional deposit-takers.The latest monthly banking statistics published by APRA last Friday confirm that Bank of Queensland and Suncorp are increasing their reliance on wholesale funding to push growth in home lending.At the end of August BoQ had A$18.69 billion of household deposits on its books, which was down $65 million on the retail cash it held at the end of June.The long term trend is even more concerning for the bank. Since the end of August 2016, the bank has suffered a net outflow of retail deposits of around $267 million.The story is only slightly better for Suncorp, which managed to grow its household deposits by $113 million to $19.85 billion in the 12 months to the end of August.That equates to an annual growth rate of less than one per cent.As former Your Credit Union members looked elsewhere, Bundaberg-based Auswide Bank suffered a 7 per cent decline in retail deposits in the last 12 months, with its base sliding $129 million to $1.73 billion.Toowoomba-based Heritage Bank can lay claim to being Queensland's fastest-growing deposit taker.Aggressive pricing in the term market has underpinned spectacular annual deposits growth for the business. In the year to the end of August, Heritage added more than $642 million to its vaults, which took its base above $5 billion for the first time.