Bank Risk Screener

US Banks Ranked by Uninsured Deposit Ratio

The uninsured deposit ratio measures the share of a bank's deposit base that exceeds the $250,000 FDIC insurance limit and would not be made whole on a per-account basis if the bank failed. There is no regulatory limit on the ratio; this page flags banks above 50% for a closer look. The March 2023 failure of Silicon Valley Bank (uninsured ratio ~94% pre-failure) demonstrated that very high uninsured ratios can drive deposit-flight risk within hours under stress conditions. This page ranks every bank that reports an uninsured-deposit estimate, which in practice means banks with $1 billion or more in total assets.

Data as of Q2 2026 call reports. Ranked highest first; closed charters are excluded. Across the 987 ranked banks, the median Uninsured Deposits / Total Deposits is 31.90%, and 106 are in the stress band. Next update: Q3 2026 Call Reports are due October 30, 2026; we expect them on the platform by mid-November 2026.

106In Stress Band

446On Watch

435Within Norms

987Total Ranked

How the bands work. Within norms: 30% or lower. On watch: above 30% up to 50%. In stress: above 50%. These are screening cutoffs, not supervisory ratings.

Showing the top 100 of 987 ranked banks. Create a free account or sign in to see every ranked bank.

#	Bank	HQ	Asset Tier	Uninsured Deposits / Total Deposits	Band
1	John Deere Financial, F.S.B.	Middleton, WI	4: $1B-10B	100.00%	STRESS
2	Mizuho Bank (USA)	New York, NY	4: $1B-10B	95.02%	STRESS
3	Sumitomo Mitsui Trust Bank (U.S.A.) Limited	Hoboken, NJ	4: $1B-10B	92.29%	STRESS
4	TIB, N.A.	Farmers Branch, TX	4: $1B-10B	91.45%	STRESS
5	Deutsche Bank Trust Company Americas	New York, NY	3: $10B-100B	91.30%	STRESS
6	Sutton Bank	Attica, OH	4: $1B-10B	89.24%	STRESS
7	Greene County Commercial Bank	Catskill, NY	4: $1B-10B	88.78%	STRESS
8	Bessemer Trust Company, N.A.	New York, NY	4: $1B-10B	82.33%	STRESS
9	North American Banking Company	Roseville, MN	4: $1B-10B	81.22%	STRESS
10	Chain Bridge Bank, N.A.	McLean, VA	4: $1B-10B	80.87%	STRESS
11	Monet Bank	Plano, TX	4: $1B-10B	80.17%	STRESS
12	Commercewest Bank	Irvine, CA	4: $1B-10B	79.13%	STRESS
13	SMBC Manubank	Los Angeles, CA	4: $1B-10B	79.00%	STRESS
14	Pacific Coast Bankers' Bank	Walnut Creek, CA	4: $1B-10B	78.86%	STRESS
15	Bessemer Trust Company	Woodbridge, NJ	4: $1B-10B	78.46%	STRESS
16	State Street Bank and Trust Company	Boston, MA	1: >= $250B	75.89%	STRESS
17	American Business Bank	Los Angeles, CA	4: $1B-10B	75.74%	STRESS
18	Bank of Guam	Hagatna, GU	4: $1B-10B	70.62%	STRESS
19	University Bank	Ann Arbor, MI	4: $1B-10B	70.16%	STRESS
20	Pegasus Bank	Dallas, TX	4: $1B-10B	69.41%	STRESS
21	Woori America Bank	New York, NY	4: $1B-10B	68.67%	STRESS
22	The Bank of New York Mellon	New York, NY	1: >= $250B	68.19%	STRESS
23	HSBC Bank USA, N.A.	Tysons, VA	2: $100B-250B	68.05%	STRESS
24	CTBC Bank Corp. (USA)	Los Angeles, CA	4: $1B-10B	66.55%	STRESS
25	ServisFirst Bank	Homewood, AL	3: $10B-100B	66.41%	STRESS
26	CIBC Bank USA	Chicago, IL	3: $10B-100B	65.90%	STRESS
27	Cass Commercial Bank	Des Peres, MO	4: $1B-10B	64.76%	STRESS
28	West Texas National Bank	Midland, TX	4: $1B-10B	64.10%	STRESS
29	Texas Community Bank	Laredo, TX	4: $1B-10B	63.90%	STRESS
30	Bradesco Bank	Coral Gables, FL	4: $1B-10B	63.89%	STRESS
31	First American Trust, FSB	Santa Ana, CA	4: $1B-10B	63.84%	STRESS
32	UMB Bank, N.A.	Kansas City, MO	3: $10B-100B	63.56%	STRESS
33	Bankers' Bank	Madison, WI	4: $1B-10B	63.46%	STRESS
34	Commercial Bank of California	Irvine, CA	4: $1B-10B	61.85%	STRESS
35	Benchmark Bank	Plano, TX	4: $1B-10B	61.13%	STRESS
36	WestStar Bank	El Paso, TX	4: $1B-10B	61.03%	STRESS
37	Orange Bank & Trust Company	Middletown, NY	4: $1B-10B	60.78%	STRESS
38	The National Bank of Indianapolis	Indianapolis, IN	4: $1B-10B	60.27%	STRESS
39	Evertrust Bank	City of Industry, CA	4: $1B-10B	59.82%	STRESS
40	Banco Popular de Puerto Rico	San Juan, PR	3: $10B-100B	59.25%	STRESS
41	Five Star Bank	Roseville, CA	4: $1B-10B	59.15%	STRESS
42	Signature Bank, N.A.	Toledo, OH	4: $1B-10B	59.00%	STRESS
43	Lone Star National Bank	Pharr, TX	4: $1B-10B	58.85%	STRESS
44	First State Bank of Uvalde	Uvalde, TX	4: $1B-10B	58.34%	STRESS
45	BankUnited, N.A.	Miami Lakes, FL	3: $10B-100B	57.91%	STRESS
46	CalPrivate Bank	La Jolla, CA	4: $1B-10B	57.88%	STRESS
47	Lake City Bank	Warsaw, IN	4: $1B-10B	57.58%	STRESS
48	Bryant Bank	Tuscaloosa, AL	4: $1B-10B	57.57%	STRESS
49	Mercantile Bank	Grand Rapids, MI	4: $1B-10B	57.50%	STRESS
50	Bankers Trust Company	Des Moines, IA	4: $1B-10B	57.36%	STRESS
51	Washington Trust Bank	Spokane, WA	3: $10B-100B	57.30%	STRESS
52	Interaudi Bank	New York, NY	4: $1B-10B	57.15%	STRESS
53	Amalgamated Bank	New York, NY	4: $1B-10B	57.05%	STRESS
54	Oakworth Capital Bank	Birmingham, AL	4: $1B-10B	56.81%	STRESS
55	National Cooperative Bank, N.A.	Hillsboro, OH	4: $1B-10B	56.73%	STRESS
56	Jefferson Bank	San Antonio, TX	4: $1B-10B	56.54%	STRESS
57	West Coast Community Bank	Santa Cruz, CA	4: $1B-10B	56.26%	STRESS
58	First Premier Bank	Sioux Falls, SD	4: $1B-10B	56.10%	STRESS
59	Dallas Capital Bank, National Association	Dallas, TX	4: $1B-10B	55.72%	STRESS
60	City National Bank	Los Angeles, CA	3: $10B-100B	55.45%	STRESS
61	Troy Bank & Trust Company	Troy, AL	4: $1B-10B	55.11%	STRESS
62	Parkside Financial Bank and Trust	Clayton, MO	4: $1B-10B	54.93%	STRESS
63	Farmers and Merchants Bank of Long Beach	Long Beach, CA	3: $10B-100B	54.45%	STRESS
64	Cache Valley Bank	Logan, UT	4: $1B-10B	54.41%	STRESS
65	U.S. Century Bank	Miami, FL	4: $1B-10B	54.26%	STRESS
66	Citizens Business Bank, N.A.	Ontario, CA	3: $10B-100B	54.18%	STRESS
67	Provident Bank	Jersey City, NJ	3: $10B-100B	54.14%	STRESS
68	PlainsCapital Bank	University Park, TX	3: $10B-100B	53.89%	STRESS
69	1st Source Bank	South Bend, IN	4: $1B-10B	53.84%	STRESS
70	Texas Regional Bank	Harlingen, TX	4: $1B-10B	53.69%	STRESS
71	BNY Mellon, N.A.	Pittsburgh, PA	3: $10B-100B	53.68%	STRESS
72	Safra National Bank of New York	New York, NY	3: $10B-100B	53.68%	STRESS
73	Helm Bank USA	Miami, FL	4: $1B-10B	53.65%	STRESS
74	The Bank of Tampa	Tampa, FL	4: $1B-10B	53.42%	STRESS
75	Carrollton Bank	Carrollton, IL	4: $1B-10B	53.18%	STRESS
76	Amboy Bank	Old Bridge, NJ	4: $1B-10B	53.18%	STRESS
77	Sunwest Bank	Sandy, UT	4: $1B-10B	53.14%	STRESS
78	BOKF, N.A.	Tulsa, OK	3: $10B-100B	52.92%	STRESS
79	BMO Bank N.A.	Chicago, IL	1: >= $250B	52.71%	STRESS
80	FFB Bank	Fresno, CA	4: $1B-10B	52.68%	STRESS
81	Bom Bank	Natchitoches, LA	4: $1B-10B	52.39%	STRESS
82	Amalgamated Bank of Chicago	Chicago, IL	4: $1B-10B	52.38%	STRESS
83	U.S. Bank N.A.	Cincinnati, OH	1: >= $250B	52.20%	STRESS
84	Frost Bank	San Antonio, TX	3: $10B-100B	52.16%	STRESS
85	The Village Bank	Auburndale, MA	4: $1B-10B	52.09%	STRESS
86	Shinhan Bank America	New York, NY	4: $1B-10B	52.04%	STRESS
87	Oriental Bank	San Juan, PR	3: $10B-100B	52.02%	STRESS
88	Hancock Whitney Bank	Gulfport, MS	3: $10B-100B	52.01%	STRESS
89	OceanFirst Bank, N.A.	Toms River, NJ	3: $10B-100B	51.83%	STRESS
90	KeyBank N.A.	Cleveland, OH	2: $100B-250B	51.83%	STRESS
91	Lakeside Bank	Chicago, IL	4: $1B-10B	51.67%	STRESS
92	Banesco USA	Miami, FL	4: $1B-10B	51.61%	STRESS
93	East West Bank	Pasadena, CA	3: $10B-100B	51.55%	STRESS
94	City National Bank of Florida	Miami, FL	3: $10B-100B	51.50%	STRESS
95	Farmers & Merchants Bank of Central California	Lodi, CA	4: $1B-10B	51.44%	STRESS
96	Quad City Bank and Trust Company	Bettendorf, IA	4: $1B-10B	50.97%	STRESS
97	NexTier Bank, N.A.	Kittanning, PA	4: $1B-10B	50.92%	STRESS
98	Royal Business Bank	Los Angeles, CA	4: $1B-10B	50.67%	STRESS
99	Jackson County Bank	Seymour, IN	4: $1B-10B	50.66%	STRESS
100	Horizon Bank, SSB	Austin, TX	4: $1B-10B	50.64%	STRESS

Methodology

Ranks the most-recent FFIEC Schedule RC-O filing for every bank that reports estimated uninsured deposits (Memorandum item 2). Only banks with $1 billion or more in total assets file that item, so smaller banks do not appear; a few banks just under $1 billion still report it and are included. Bankers' banks, credit-card banks and trust banks are included; their deposit bases are structurally different from a typical community or regional bank, so read their ratios on their own terms.

Source authority: FFIEC Call Report Schedule RC-O, the call-report schedule each FDIC-insured bank files quarterly listing deposits above the $250,000 FDIC insurance limit. The ratio is uninsured deposits divided by total deposits, expressed as a percentage.

Frequently asked

Why does uninsured deposit concentration matter?

Uninsured depositors have economic incentive to move their balances the moment they perceive bank stress. They can lose their balance above $250,000 if the bank fails. Concentrated uninsured deposits raise the bank's vulnerability to a fast-moving deposit run, as demonstrated by Silicon Valley Bank, Signature Bank, and First Republic in March 2023.

What was Silicon Valley Bank's uninsured deposit ratio when it failed?

Approximately 94% per its final pre-failure call report, among the highest of any sizable US bank. The combination of a high uninsured ratio with a concentrated depositor base (tech startups) and a large AFS securities portfolio with unrealized losses created the run dynamic that closed the bank within 48 hours.

Is high uninsured concentration always dangerous?

No. Banks with sophisticated treasury operations, granular and operationally-sticky uninsured depositors (e.g., business operating accounts for payroll), and large liquid securities portfolios can run high uninsured ratios safely. The risk is the COMBINATION of high concentration + depositor flight catalyst + thin liquidity buffer that drove the 2023 regional banking crisis.

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