OceanFirst Bank, N.A.: Uninsured Deposit Ratio
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Data as of · sourced from FFIEC call reports. How we update
OceanFirst Bank, N.A. reported an uninsured deposit ratio of 51.83% as of Q2 2026, ranking #86 of 980 U.S. banks (91st percentile). That is down 7.22 percentage points from 59.05% a year earlier, and above the 38.99% median of the 122 Regional Banks ($10B–$100B 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 OceanFirst Bank, N.A.'s Uninsured Deposit Ratio?
OceanFirst Bank, N.A.'s Uninsured Deposit Ratio was 51.83% as of Q2 2026, ranking #86 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 OceanFirst Bank, N.A. metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full OceanFirst Bank, N.A. profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 28359) · FFIEC NIC profile (RSSD 85472)