First & Peoples Bank and Trust Company: Uninsured Deposit Ratio
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.
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 →More First & Peoples Bank and Trust Company metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First & Peoples Bank and Trust Company profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 8122) · FFIEC NIC profile (RSSD 391418)