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. Above roughly 50% has historically been the supervisory threshold of concern, but 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 FDIC-insured US commercial bank by current uninsured-deposit ratio.

100In Stress Band

0On Watch

0Within Norms

100Total Ranked

#	Bank	HQ	Asset Tier	Uninsured Deposits / Total Deposits	Band
1	JOHN DEERE FINANCIAL, F.S.B.	MIDDLETON, WI	Large	100.00%	STRESS
2	DEUTSCHE BANK TRUST COMPANY AMERICAS	NEW YORK, NY	Regional	93.01%	STRESS
3	TIB, NATIONAL ASSOCIATION	FARMERS BRANCH, TX	Large	92.85%	STRESS
4	SUMITOMO MITSUI TRUST BANK (U.S.A.) LIMITED	HOBOKEN, NJ	Large	92.30%	STRESS
5	GREENE COUNTY COMMERCIAL BANK	CATSKILL, NY	Large	90.76%	STRESS
6	SUTTON BANK	ATTICA, OH	Large	90.35%	STRESS
7	MIZUHO BANK (USA)	NEW YORK, NY	Large	89.61%	STRESS
8	BESSEMER TRUST COMPANY, N.A.	NEW YORK, NY	Large	82.86%	STRESS
9	NORTH AMERICAN BANKING COMPANY	ROSEVILLE, MN	Large	81.68%	STRESS
10	COMMERCEWEST BANK	IRVINE, CA	Large	78.91%	STRESS
11	MONET BANK	PLANO, TX	Large	76.94%	STRESS
12	PACIFIC COAST BANKERS' BANK	WALNUT CREEK, CA	Large	75.91%	STRESS
13	CHAIN BRIDGE BANK, NATIONAL ASSOCIATION	MC LEAN, VA	Large	75.51%	STRESS
14	AMERICAN BUSINESS BANK	LOS ANGELES, CA	Large	75.03%	STRESS
15	BESSEMER TRUST COMPANY	WOODBRIDGE, NJ	Large	74.43%	STRESS
16	STATE STREET BANK AND TRUST COMPANY	BOSTON, MA	National	73.22%	STRESS
17	UNIVERSITY BANK	ANN ARBOR, MI	Large	72.48%	STRESS
18	BANK OF GUAM	HAGATNA, GU	Large	72.04%	STRESS
19	BANK OF NEW YORK MELLON, THE	NEW YORK, NY	National	71.68%	STRESS
20	PEGASUS BANK	DALLAS, TX	Large	69.35%	STRESS
21	HSBC BANK USA, NATIONAL ASSOCIATION	TYSONS, VA	National	67.44%	STRESS
22	WOORI AMERICA BANK	NEW YORK, NY	Large	67.01%	STRESS
23	CIBC BANK USA	CHICAGO, IL	Regional	66.33%	STRESS
24	SERVISFIRST BANK	HOMEWOOD, AL	Regional	66.19%	STRESS
25	SIGNATURE BANK	ROSEMONT, IL	Large	66.07%	STRESS
26	UMB BANK, NATIONAL ASSOCIATION	KANSAS CITY, MO	Regional	64.76%	STRESS
27	TEXAS COMMUNITY BANK	LAREDO, TX	Large	64.33%	STRESS
28	CTBC BANK CORP. (USA)	LOS ANGELES, CA	Large	62.87%	STRESS
29	NATIONAL BANK OF INDIANAPOLIS, THE	INDIANAPOLIS, IN	Large	61.70%	STRESS
30	LONE STAR NATIONAL BANK	PHARR, TX	Large	61.23%	STRESS
31	WEST TEXAS NATIONAL BANK	MIDLAND, TX	Large	61.00%	STRESS
32	BANKERS' BANK	MADISON, WI	Large	60.79%	STRESS
33	OCEANFIRST BANK, NATIONAL ASSOCIATION	TOMS RIVER, NJ	Regional	60.63%	STRESS
34	BRADESCO BANK	CORAL GABLES, FL	Large	60.29%	STRESS
35	FIRST AMERICAN TRUST, FSB	SANTA ANA, CA	Large	60.03%	STRESS
36	CASS COMMERCIAL BANK	DES PERES, MO	Large	59.97%	STRESS
37	BENCHMARK BANK	PLANO, TX	Large	59.51%	STRESS
38	COMMERCIAL BANK OF CALIFORNIA	IRVINE, CA	Large	59.44%	STRESS
39	FIRST STATE BANK OF UVALDE	UVALDE, TX	Large	59.37%	STRESS
40	ORANGE BANK & TRUST COMPANY	MIDDLETOWN, NY	Large	59.36%	STRESS
41	EVERTRUST BANK	CITY OF INDUSTRY, CA	Large	59.33%	STRESS
42	WESTSTAR BANK	EL PASO, TX	Large	59.28%	STRESS
43	OAKWORTH CAPITAL BANK	BIRMINGHAM, AL	Large	59.12%	STRESS
44	STELLAR BANK	HOUSTON, TX	Regional	59.03%	STRESS
45	SIGNATURE BANK, NATIONAL ASSOCIATION	TOLEDO, OH	Large	58.69%	STRESS
46	AMALGAMATED BANK	NEW YORK, NY	Large	57.93%	STRESS
47	DALLAS CAPITAL BANK, NATIONAL ASSOCIATION	DALLAS, TX	Large	57.86%	STRESS
48	NATIONAL COOPERATIVE BANK, N.A.	HILLSBORO, OH	Large	57.86%	STRESS
49	FIRST AMERICAN BANK	ELK GROVE VILLAGE, IL	Large	57.72%	STRESS
50	BRYANT BANK	TUSCALOOSA, AL	Large	57.71%	STRESS
51	Texas Partners Bank	San Antonio, TX	Large	57.36%	STRESS
52	BOM BANK	NATCHITOCHES, LA	Large	57.35%	STRESS
53	FIVE STAR BANK	ROSEVILLE, CA	Large	57.33%	STRESS
54	CITY NATIONAL BANK	LOS ANGELES, CA	Regional	57.06%	STRESS
55	WASHINGTON TRUST BANK	SPOKANE, WA	Regional	56.74%	STRESS
56	BANCO POPULAR DE PUERTO RICO	SAN JUAN, PR	Regional	56.73%	STRESS
57	CALPRIVATE BANK	LA JOLLA, CA	Large	56.68%	STRESS
58	MERCANTILE BANK	GRAND RAPIDS, MI	Large	56.25%	STRESS
59	CACHE VALLEY BANK	LOGAN, UT	Large	56.10%	STRESS
60	BANKERS TRUST COMPANY	DES MOINES, IA	Large	55.89%	STRESS
61	INTERAUDI BANK	NEW YORK, NY	Large	55.79%	STRESS
62	PARKSIDE FINANCIAL BANK AND TRUST	CLAYTON, MO	Large	55.60%	STRESS
63	PROVIDENT BANK	JERSEY CITY, NJ	Regional	55.41%	STRESS
64	PLAINSCAPITAL BANK	UNIVERSITY PARK, TX	Regional	55.31%	STRESS
65	JEFFERSON BANK	SAN ANTONIO, TX	Large	55.19%	STRESS
66	LAKE CITY BANK	WARSAW, IN	Large	55.07%	STRESS
67	AMALGAMATED BANK OF CHICAGO	CHICAGO, IL	Large	54.84%	STRESS
68	SUNWEST BANK	SANDY, UT	Large	54.84%	STRESS
69	FARMERS AND MERCHANTS BANK OF LONG BEACH	LONG BEACH, CA	Regional	54.72%	STRESS
70	WEST COAST COMMUNITY BANK	SANTA CRUZ, CA	Large	54.48%	STRESS
71	FIRST PREMIER BANK	SIOUX FALLS, SD	Large	54.48%	STRESS
72	BANK OF TAMPA, THE	TAMPA, FL	Large	54.41%	STRESS
73	CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION	ONTARIO, CA	Regional	54.15%	STRESS
74	TROY BANK & TRUST COMPANY	TROY, AL	Large	53.99%	STRESS
75	LEGACY NATIONAL BANK	SPRINGDALE, AR	Large	53.98%	STRESS
76	HELM BANK USA	MIAMI, FL	Large	53.98%	STRESS
77	Comerica Bank	Dallas, TX	Regional	53.98%	STRESS
78	U.S. CENTURY BANK	MIAMI, FL	Large	53.89%	STRESS
79	BNY MELLON, NATIONAL ASSOCIATION	PITTSBURGH, PA	Regional	53.69%	STRESS
80	CARROLLTON BANK	CARROLLTON, IL	Large	53.03%	STRESS
81	VILLAGE BANK, THE	AUBURNDALE, MA	Large	52.94%	STRESS
82	BANKUNITED, NATIONAL ASSOCIATION	MIAMI LAKES, FL	Regional	52.92%	STRESS
83	BMO BANK NATIONAL ASSOCIATION	CHICAGO, IL	National	52.33%	STRESS
84	FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA	LODI, CA	Large	52.32%	STRESS
85	FFB BANK	FRESNO, CA	Large	52.11%	STRESS
86	1ST SOURCE BANK	SOUTH BEND, IN	Large	52.01%	STRESS
87	ORIENTAL BANK	SAN JUAN, PR	Regional	51.91%	STRESS
88	BOKF, NATIONAL ASSOCIATION	TULSA, OK	Regional	51.83%	STRESS
89	KEYBANK NATIONAL ASSOCIATION	CLEVELAND, OH	National	51.82%	STRESS
90	U.S. BANK NATIONAL ASSOCIATION	CINCINNATI, OH	National	51.80%	STRESS
91	DIME COMMUNITY BANK	BRIDGEHAMPTON, NY	Regional	51.63%	STRESS
92	CITY NATIONAL BANK OF FLORIDA	MIAMI, FL	Regional	51.49%	STRESS
93	FIRST UNITED BANK	DIMMITT, TX	Large	51.34%	STRESS
94	FROST BANK	SAN ANTONIO, TX	Regional	51.34%	STRESS
95	EAST WEST BANK	PASADENA, CA	Regional	51.02%	STRESS
96	ISRAEL DISCOUNT BANK OF NEW YORK	NEW YORK, NY	Regional	50.99%	STRESS
97	Synovus Bank	Columbus, GA	Regional	50.83%	STRESS
98	TEXAS REGIONAL BANK	HARLINGEN, TX	Large	50.46%	STRESS
99	TEXAS SECURITY BANK	DALLAS, TX	Large	50.45%	STRESS
100	LAKESIDE BANK	CHICAGO, IL	Large	50.19%	STRESS

Methodology

Ranks the most-recent FFIEC Schedule RC-O filing. Excludes specialty bankers' banks, credit-card banks, and trust banks whose deposit profile is structurally different from a typical community or regional commercial bank — ratios for those are not comparable.

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.

Explore other risk screeners: CRE Concentration · Uninsured Deposits · AOCI Burden · Construction Concentration

Or browse: bank directory · all rankings · metric glossary