SmartBank: Uninsured Deposit Ratio
Data as of · sourced from FFIEC call reports. How we update
SmartBank reported an uninsured deposit ratio of 47.93% as of Q2 2026, ranking #128 of 980 U.S. banks (87th percentile). That is up 4.12 percentage points from 43.80% 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
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 SmartBank's Uninsured Deposit Ratio?
SmartBank's Uninsured Deposit Ratio was 47.93% as of Q2 2026, ranking #128 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 SmartBank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full SmartBank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 58463) · FFIEC NIC profile (RSSD 3532641)