Cornerstone Bank: Uninsured Deposit Ratio
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Data as of · sourced from FFIEC call reports. How we update
Cornerstone Bank reported an uninsured deposit ratio of 43.11% as of Q2 2026, ranking #218 of 980 U.S. banks (78th percentile). That is down 3.08 percentage points from 46.18% 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.
12-Quarter Trend
Source: FFIEC call reports, standardized by BankRegReports. Open the filed call report for Q2 2026 on the FFIEC CDR.
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.
Full definition & formula →Frequently asked questions
What is Cornerstone Bank's Uninsured Deposit Ratio?
Cornerstone Bank's Uninsured Deposit Ratio was 43.11% as of Q2 2026, ranking #218 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 Cornerstone Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Cornerstone Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 13198) · FFIEC NIC profile (RSSD 879457)