Central Bank: Uninsured Deposit Ratio
Data as of · sourced from FFIEC call reports. How we update
Central Bank reported an uninsured deposit ratio of 41.57% as of Q2 2026, ranking #246 of 980 U.S. banks (75th percentile). That is down 1.28 percentage points from 42.85% a year earlier, and above the 30.89% median of the 815 Large Community Banks ($1B–$10B in assets). Uninsured deposits (those above the $250K FDIC insurance threshold) have economic incentive to flee at the first sign of trouble. The risk Silicon Valley Bank's failure brought to national attention.
10-Quarter Trend
National Context
What is the Uninsured Deposit Ratio?
The Uninsured Deposit Ratio measures deposits above the $250K FDIC insurance threshold as a percentage of total deposits. Made infamous by the Silicon Valley Bank failure in 2023, it captures deposit base run-risk.
Most US community banks report uninsured deposit ratios between 20% and 50%. Above 60% warrants attention. The bank is exposed to run-risk in a crisis scenario. SVB at failure reported uninsured deposits over 90% of total.
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What is Central Bank's Uninsured Deposit Ratio?
Central Bank's Uninsured Deposit Ratio was 41.57% as of Q2 2026, ranking #246 of 980 U.S. banks.
What is the Uninsured Deposit Ratio?
The Uninsured Deposit Ratio measures deposits above the $250K FDIC insurance threshold as a percentage of total deposits. Made infamous by the Silicon Valley Bank failure in 2023, it captures deposit base run-risk.
More Central Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Central Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 17612) · FFIEC NIC profile (RSSD 31255)