First Merchants Bank: Uninsured Deposit Ratio
Data as of · sourced from FFIEC call reports. How we update
First Merchants Bank reported a uninsured deposit ratio of 45.36% as of Q2 2026, ranking #180 of 980 U.S. banks (82nd percentile). 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.
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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 First Merchants Bank's Uninsured Deposit Ratio?
First Merchants Bank's Uninsured Deposit Ratio was 45.36% as of Q2 2026, ranking #180 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 First Merchants Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First Merchants Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 4365) · FFIEC NIC profile (RSSD 17147)