
Uninsured Deposits to Total Deposits
Three of the largest four bank failures in U.S. history occurred during 2023 (Silicon Valley Bank, Signature Bank, and First Republic Bank) and were precipitated by the rapid withdrawals of uninsured deposits following the news of these banks' adverse risk exposures and weaknesses. With growing concerns about unrealized losses on investment securities and commercial real estate loans, the risk of yet another depositor run on one or more of these institutions grows each day.
Each U.S. bank with more than $1 billion in assets must report the dollar amount of uninsured deposits and the dollar amount of total deposits in quarterly filings with its regulators. Using regulatory data, we calculate each bank’s exposure to uninsured deposits as the dollar amount of uninsured deposits as a percentage of its total deposits.
Banks reporting a ratio of uninsured deposits to total deposits greater than 50% are at an elevated risk of a run by uninsured depositors.
This quarterly ongoing project is part of the Banking Initiative at Florida Atlantic University, sponsored by Executive Education. These statistics are based upon Dr. Cole’s analysis of Bank Call Report data for Q4 2024 obtained from the U.S. Federal Financial Institutions Examination Council.
Obs | Name | ST | Total Assets (Millions) | Total Domestic Deposits (Millions) | Liquid Assets (Millions) | Uninsured Deposits (Millions) | Percent Uninsured | Uninsured Deposits,% Liquid Assets |
1 | STATE STREET B&TC | MA | 348,989 | 202,923 | 221,893 | 202,356 | 99.7 | 91.2 |
2 | BANK OF NY MELLON | NY | 335,955 | 194,168 | 239,669 | 189,813 | 97.8 | 79.2 |
3 | DEUTSCHE BK TC AMERICAS | NY | 39,780 | 27,421 | 16,057 | 26,690 | 97.3 | 166.2 |
4 | CITIBANK NA | SD | 1,696,818 | 757,473 | 703,289 | 594,499 | 78.5 | 84.5 |
5 | NORTHERN TC | IL | 154,948 | 48,646 | 96,918 | 36,731 | 75.5 | 37.9 |
6 | UMB BK NA | MO | 50,150 | 43,319 | 22,340 | 31,048 | 71.7 | 139.0 |
7 | HSBC BK USA NA | VA | 164,820 | 132,193 | 68,212 | 90,518 | 68.5 | 132.7 |
8 | SERVISFIRST BK | AL | 17,351 | 13,566 | 4,298 | 9,034 | 66.6 | 210.2 |
9 | CITIZENS BUS BK | CA | 15,161 | 12,005 | 5,580 | 7,723 | 64.3 | 138.4 |
10 | CIBC BK USA | IL | 61,517 | 49,368 | 21,644 | 31,430 | 63.7 | 145.2 |
11 | BNY MELLON NA | PA | 30,536 | 25,823 | 7,774 | 15,186 | 58.8 | 195.3 |
12 | ALLEGIANCE BK | TX | 10,891 | 9,189 | 2,741 | 5,401 | 58.8 | 197.0 |
13 | CITY NB | CA | 92,193 | 76,625 | 25,358 | 44,877 | 58.6 | 177.0 |
14 | BANCO POPULAR DE PR | PR | 58,456 | 53,666 | 31,678 | 30,879 | 57.5 | 97.5 |
15 | WASHINGTON TR BK | WA | 10,728 | 8,824 | 3,640 | 4,988 | 56.5 | 137.0 |
16 | JPMORGAN CHASE BK NA | OH | 3,459,261 | 2,042,646 | 1,156,981 | 1,151,030 | 56.4 | 99.5 |
17 | OCEANFIRST BK NA | NJ | 13,332 | 10,217 | 2,006 | 5,747 | 56.2 | 286.5 |
18 | FIRSTBANK PR | PR | 19,286 | 16,669 | 6,602 | 9,258 | 55.5 | 140.2 |
19 | BANK OF HAWAII | HI | 23,568 | 19,379 | 8,329 | 10,744 | 55.4 | 129.0 |
20 | FIRST HAWAIIAN BK | HI | 23,831 | 18,202 | 7,151 | 9,941 | 54.6 | 139.0 |
21 | EAST WEST BK | CA | 75,842 | 60,208 | 19,712 | 32,768 | 54.4 | 166.2 |
22 | FARMERS & MRCH BK | CA | 11,690 | 8,770 | 5,020 | 4,715 | 53.8 | 93.9 |
23 | FROST BK | Tx | 52,581 | 43,144 | 30,323 | 22,973 | 53.2 | 75.8 |
24 | BOKF NA | OK | 49,466 | 38,532 | 16,816 | 20,352 | 52.8 | 121.0 |
25 | PROVIDENT BK | NJ | 24,008 | 18,675 | 3,470 | 9,812 | 52.5 | 282.8 |
26 | COMERICA BK | TX | 79,332 | 64,863 | 24,756 | 33,387 | 51.5 | 134.9 |
27 | ORIENTAL BK | PR | 11,416 | 9,612 | 3,297 | 4,915 | 51.1 | 149.1 |
28 | SYNOVUS BK | GA | 60,120 | 52,005 | 13,580 | 26,403 | 50.8 | 194.4 |
29 | PLAINSCAPITAL BK | TX | 13,329 | 11,258 | 4,380 | 5,708 | 50.7 | 130.3 |
30 | BMO HARRIS BK NA | IL | 263,653 | 210,560 | 95,706 | 105,693 | 50.2 | 110.4 |
31 | U S BK NA | OH | 662,906 | 522,041 | 226,387 | 261,969 | 50.2 | 115.7 |
32 | KEYBANK NA | OH | 184,461 | 154,986 | 67,924 | 76,842 | 49.6 | 113.1 |
33 | CENTENNIAL BK | AR | 22,418 | 17,697 | 5,590 | 8,725 | 49.3 | 156.1 |
34 | DIME CMNTY BK | NY | 14,337 | 11,778 | 2,649 | 5,807 | 49.3 | 219.2 |
35 | HANCOCK WHITNEY BK | MS | 35,068 | 29,778 | 9,665 | 14,598 | 49.0 | 151.0 |
36 | BANKUNITED NA | FL | 35,207 | 28,172 | 9,998 | 13,719 | 48.7 | 137.2 |
37 | ISRAEL DISCOUNT BK OF NY | NY | 13,856 | 12,074 | 3,918 | 5,860 | 48.5 | 149.6 |
38 | TOWNEBANK | VA | 17,248 | 14,533 | 4,062 | 7,049 | 48.5 | 173.6 |
39 | CATHAY BK | CA | 23,036 | 19,536 | 2,708 | 9,434 | 48.3 | 348.3 |
40 | MANUFACTURERS & TRADERS TC | NY | 207,556 | 165,388 | 53,955 | 79,740 | 48.2 | 147.8 |
41 | OLD NB | IN | 53,245 | 41,132 | 12,642 | 19,570 | 47.6 | 154.8 |
42 | BERKSHIRE BK | MA | 12,268 | 10,543 | 2,434 | 5,003 | 47.5 | 205.6 |
43 | AMERIS BK | GA | 26,175 | 21,865 | 3,092 | 10,243 | 46.8 | 331.2 |
44 | CITY NB OF FL | FL | 26,507 | 20,859 | 7,429 | 9,664 | 46.3 | 130.1 |
45 | WELLS FARGO BK NA | SD | 1,705,538 | 1,416,882 | 600,960 | 652,746 | 46.1 | 108.6 |
46 | GOLDMAN SACHS BK USA | NY | 558,235 | 372,596 | 202,873 | 171,069 | 45.9 | 84.3 |
47 | FIRST FNCL BK NA | TX | 13,925 | 12,220 | 5,874 | 5,590 | 45.7 | 95.2 |
48 | VERITEX CMNTY BK | TX | 12,718 | 10,781 | 2,408 | 4,893 | 45.4 | 203.2 |
49 | FIFTH THIRD BK NA | OH | 212,197 | 171,553 | 74,469 | 77,589 | 45.2 | 104.2 |
50 | PNC BK NA | DE | 556,139 | 433,073 | 189,433 | 194,949 | 45.0 | 102.9 |
51 | ZIONS BC NA | UT | 88,775 | 76,638 | 23,410 | 34,387 | 44.9 | 146.9 |
52 | DBA INDEPENDENT FINANCIAL | TX | 17,535 | 15,245 | 2,898 | 6,834 | 44.8 | 235.8 |
53 | TRUIST BK | NC | 523,132 | 402,078 | 163,356 | 179,095 | 44.5 | 109.6 |
54 | ASSOCIATED BK NA | WI | 42,966 | 34,898 | 9,342 | 15,467 | 44.3 | 165.6 |
55 | MECHANICS BK | CA | 16,494 | 13,946 | 5,580 | 6,153 | 44.1 | 110.3 |
56 | FIRST MRCHS BK | IN | 18,299 | 14,589 | 4,086 | 6,378 | 43.7 | 156.1 |
57 | RENASANT BK | MS | 18,037 | 14,976 | 3,148 | 6,490 | 43.3 | 206.1 |
58 | CITIZENS BK NA | RI | 217,179 | 178,001 | 54,805 | 76,764 | 43.1 | 140.1 |
59 | BANK OF AMER NA | NC | 2,589,060 | 1,926,068 | 1,160,695 | 821,914 | 42.7 | 70.8 |
60 | COMMERCE BK | MO | 31,808 | 25,685 | 13,506 | 10,821 | 42.1 | 80.1 |
61 | EASTERN BK | MA | 25,552 | 21,505 | 6,205 | 8,993 | 41.8 | 144.9 |
62 | FIRST NB OF PA | PA | 48,447 | 38,088 | 10,019 | 15,861 | 41.6 | 158.3 |
63 | TEXAS CAP BK NA | TX | 30,622 | 25,425 | 7,629 | 10,410 | 40.9 | 136.5 |
64 | FIRST FNCL BK | OH | 18,486 | 14,553 | 4,485 | 5,874 | 40.4 | 131.0 |
65 | PROSPERITY BK | TX | 39,595 | 28,459 | 13,075 | 11,468 | 40.3 | 87.7 |
66 | NBT BK NA | NY | 13,683 | 11,769 | 2,863 | 4,731 | 40.2 | 165.3 |
67 | FIRST HORIZON BK | TN | 81,866 | 66,433 | 12,644 | 26,679 | 40.2 | 211.0 |
68 | UNITED CMNTY BK | SC | 27,657 | 23,852 | 7,519 | 9,558 | 40.1 | 127.1 |
69 | FIRSTBANK | TN | 13,119 | 11,243 | 2,596 | 4,479 | 39.8 | 172.5 |
70 | PACIFIC PREMIER BK | CA | 17,900 | 14,565 | 4,023 | 5,781 | 39.7 | 143.7 |
71 | WILMINGTON SVG FUND SCTY FSB | DE | 20,722 | 17,340 | 6,385 | 6,820 | 39.3 | 106.8 |
72 | BEAL BK USA | NV | 16,216 | 8,816 | 12,347 | 3,462 | 39.3 | 28.0 |
73 | FULTON BK NA | PA | 31,916 | 26,241 | 6,171 | 10,280 | 39.2 | 166.6 |
74 | FIRST BK | NC | 12,148 | 10,557 | 3,441 | 4,106 | 38.9 | 119.3 |
75 | BANK OF HOPE | CA | 17,049 | 14,349 | 2,833 | 5,556 | 38.7 | 196.1 |
76 | BREMER BK NA | MN | 16,386 | 13,324 | 4,207 | 5,145 | 38.6 | 122.3 |
77 | CUSTOMERS BK | PA | 22,296 | 19,030 | 6,862 | 7,339 | 38.6 | 106.9 |
78 | SOUTH ST BK NA | FL | 46,370 | 38,171 | 8,776 | 14,686 | 38.5 | 167.4 |
79 | REGIONS BK | AL | 155,918 | 130,261 | 44,027 | 49,862 | 38.3 | 113.3 |
80 | FIRST-CITIZENS B&TC | NC | 223,543 | 155,571 | 66,660 | 59,510 | 38.3 | 89.3 |
81 | PINNACLE BK | TN | 52,489 | 43,089 | 12,014 | 16,462 | 38.2 | 137.0 |
82 | SIMMONS BK | AR | 26,843 | 22,173 | 7,284 | 8,467 | 38.2 | 116.3 |
83 | COLUMBIA BK | NJ | 10,472 | 8,150 | 1,824 | 3,109 | 38.1 | 170.4 |
84 | SAFRA NB OF NY | NY | 11,305 | 9,442 | 7,219 | 3,590 | 38.0 | 49.7 |
85 | BUSEY BK | IL | 12,011 | 10,056 | 3,564 | 3,785 | 37.6 | 106.2 |
86 | UNITED BK | VA | 29,925 | 24,213 | 5,565 | 9,064 | 37.4 | 162.9 |
87 | CENTRAL TR BK | MO | 19,230 | 15,311 | 7,032 | 5,703 | 37.2 | 81.1 |
88 | VALLEY NB | NJ | 62,447 | 50,358 | 8,965 | 18,629 | 37.0 | 207.8 |
89 | SANDY SPRING BK | MD | 14,123 | 11,845 | 1,989 | 4,358 | 36.8 | 219.1 |
90 | SEACOAST NB | FL | 15,167 | 12,248 | 3,477 | 4,460 | 36.4 | 128.3 |
91 | SANTANDER BK NA | DE | 102,701 | 76,859 | 34,947 | 27,939 | 36.4 | 79.9 |
92 | BANCORPSOUTH BK | MS | 47,019 | 40,496 | 9,877 | 14,696 | 36.3 | 148.8 |
93 | T D BK NA | DE | 372,778 | 297,222 | 167,632 | 107,726 | 36.2 | 64.3 |
94 | BANK OZK | AR | 38,259 | 31,043 | 5,717 | 11,214 | 36.1 | 196.2 |
95 | CITYWIDE BKS | CO | 17,204 | 14,853 | 5,180 | 5,264 | 35.4 | 101.6 |
96 | TRUSTMARK NB | MS | 18,150 | 15,195 | 3,622 | 5,359 | 35.3 | 147.9 |
97 | FIRST INTRST BK | MT | 29,066 | 23,289 | 9,060 | 8,162 | 35.0 | 90.1 |
98 | ATLANTIC UNION BK | VA | 24,469 | 20,418 | 3,995 | 7,112 | 34.8 | 178.0 |
99 | WEBSTER BK NA | CT | 78,957 | 65,209 | 20,238 | 22,553 | 34.6 | 111.4 |
100 | ENTERPRISE B&TC | MO | 15,568 | 13,276 | 3,716 | 4,506 | 33.9 | 121.3 |
101 | UMPQUA BK | OR | 51,566 | 41,793 | 10,738 | 14,034 | 33.6 | 130.7 |
102 | FIRST UNITED B&TC | OK | 16,260 | 12,505 | 2,089 | 4,105 | 32.8 | 196.5 |
103 | HUNTINGTON NB | OH | 203,428 | 166,965 | 60,893 | 54,565 | 32.7 | 89.6 |
104 | POPULAR BK | NY | 14,332 | 11,704 | 2,662 | 3,782 | 32.3 | 142.1 |
105 | BANNER BK | WA | 16,211 | 13,590 | 3,983 | 4,379 | 32.2 | 109.9 |
106 | ROCKLAND TC | MA | 19,379 | 15,425 | 3,009 | 4,963 | 32.2 | 164.9 |
107 | COMMUNITY BK NA | NY | 16,130 | 13,652 | 4,707 | 4,377 | 32.1 | 93.0 |
108 | WESBANCO BK | WV | 18,649 | 14,457 | 4,261 | 4,620 | 32.0 | 108.4 |
109 | GLACIER BK | MT | 27,886 | 20,720 | 8,800 | 6,544 | 31.6 | 74.4 |
110 | FIRST NB OF OMAHA | NE | 31,986 | 26,806 | 7,804 | 7,945 | 29.6 | 101.8 |
111 | FIRSTBANK | CO | 27,247 | 24,038 | 10,772 | 7,100 | 29.5 | 65.9 |
112 | WASHINGTON FED BK NA | WA | 27,671 | 21,566 | 4,858 | 6,358 | 29.5 | 130.9 |
113 | TRISTATE CAP BK | PA | 20,969 | 19,166 | 5,772 | 5,441 | 28.4 | 94.3 |
114 | WESTERN ALLI BK | AZ | 80,862 | 66,760 | 19,763 | 18,887 | 28.3 | 95.6 |
115 | BANCFIRST | OK | 11,405 | 10,086 | 4,221 | 2,843 | 28.2 | 67.3 |
116 | PACIFIC WESTERN BK | CA | 33,458 | 27,380 | 7,332 | 7,643 | 27.9 | 104.2 |
117 | DOLLAR BK FSB | PA | 11,640 | 9,727 | 2,124 | 2,683 | 27.6 | 126.3 |
118 | UBS BK USA | UT | 119,112 | 99,525 | 33,350 | 27,062 | 27.2 | 81.1 |
119 | FIRST COMMONWEALTH BK | PA | 11,554 | 9,761 | 1,800 | 2,638 | 27.0 | 146.5 |
120 | ARVEST BK | AR | 26,895 | 23,711 | 7,682 | 6,336 | 26.7 | 82.5 |
121 | NORTHWEST BK | PA | 14,463 | 12,450 | 2,383 | 3,131 | 25.1 | 131.4 |
122 | NEW YORK CMNTY BK | NY | 100,102 | 76,448 | 26,729 | 19,103 | 25.0 | 71.5 |
123 | MORGAN STANLEY PRIV BK NA | NY | 221,306 | 199,211 | 67,295 | 49,637 | 24.9 | 73.8 |
124 | CAPITAL ONE NA | VA | 487,193 | 385,327 | 135,805 | 94,039 | 24.4 | 69.2 |
125 | FIRST FOUND BK | CA | 12,612 | 9,904 | 3,063 | 2,402 | 24.2 | 78.4 |
126 | MERCHANTS BK OF IN | IN | 18,622 | 11,979 | 2,486 | 2,822 | 23.6 | 113.5 |
127 | EAGLEBANK | MD | 11,080 | 9,155 | 2,936 | 2,152 | 23.5 | 73.3 |
128 | STIFEL BK | MO | 10,790 | 9,954 | 3,808 | 2,126 | 21.4 | 55.8 |
129 | MORGAN STANLEY BK NA | UT | 230,712 | 187,093 | 104,169 | 39,543 | 21.1 | 38.0 |
130 | APPLE BK FOR SVG | NY | 17,460 | 14,476 | 4,347 | 3,023 | 20.9 | 69.5 |
131 | MIDFIRST BK | OK | 39,087 | 24,815 | 5,378 | 5,117 | 20.6 | 95.2 |
132 | AMERICAN EXPRESS NB | UT | 193,062 | 149,994 | 35,151 | 29,161 | 19.4 | 83.0 |
133 | BELL BK | ND | 14,534 | 12,732 | 1,837 | 2,422 | 19.0 | 131.8 |
134 | STIFEL B&T | MO | 19,510 | 18,044 | 4,718 | 3,208 | 17.8 | 68.0 |
135 | NEXBANK | TX | 13,943 | 10,258 | 3,975 | 1,746 | 17.0 | 43.9 |
136 | CHARLES SCHWAB BK SSB | TX | 275,425 | 231,315 | 229,554 | 36,237 | 15.7 | 15.8 |
137 | TIAA FSB | FL | 40,802 | 32,049 | 10,753 | 4,750 | 14.8 | 44.2 |
138 | LIVE OAK BKG CO | NC | 12,856 | 11,821 | 1,958 | 1,706 | 14.4 | 87.1 |
139 | AXOS BK | CA | 22,841 | 20,091 | 3,362 | 2,691 | 13.4 | 80.0 |
140 | LENDINGCLUB BK NA | UT | 10,469 | 9,117 | 4,423 | 1,151 | 12.6 | 26.0 |
141 | ALLY BK | UT | 181,409 | 156,636 | 36,586 | 17,921 | 11.4 | 49.0 |
142 | SYNCHRONY BK | UT | 111,939 | 83,902 | 16,564 | 7,986 | 9.5 | 48.2 |
143 | RAYMOND JAMES BK | FL | 41,241 | 37,193 | 8,694 | 3,134 | 8.4 | 36.0 |
144 | DISCOVER BK | DE | 145,453 | 112,460 | 28,345 | 9,320 | 8.3 | 32.9 |
145 | WELLS FARGO NB WEST | NV | 10,455 | 8,763 | 4,723 | 712 | 8.1 | 15.1 |
146 | USAA FSB | AZ | 109,221 | 95,963 | 63,857 | 6,196 | 6.5 | 9.7 |
147 | SALLIE MAE BK | UT | 30,036 | 21,456 | 6,913 | 1,314 | 6.1 | 19.0 |
148 | CHARLES SCHWAB PREMIER BK SSB | TX | 26,472 | 24,087 | 24,915 | 1,418 | 5.9 | 5.7 |
149 | BANK OF AMER CA NA | CA | 15,691 | 12,685 | 4,935 | 742 | 5.8 | 15.0 |
150 | COMENITY CAP BK | UT | 13,263 | 9,884 | 2,252 | 549 | 5.6 | 24.4 |
151 | BMW BK OF NORTH AMER | UT | 12,243 | 8,203 | 2,883 | 450 | 5.5 | 15.6 |
152 | BARCLAYS BK DE | DE | 44,672 | 35,423 | 9,243 | 1,886 | 5.3 | 20.4 |
153 | CHARLES SCHWAB TR BK | TX | 10,104 | 9,302 | 10,034 | 485 | 5.2 | 4.8 |
154 | THIRD FS&LA | OH | 17,047 | 10,370 | 1,002 | 377 | 3.6 | 37.7 |
155 | GOLDEN PACIFIC BK NA | UT | 31,088 | 26,009 | 4,447 | 575 | 2.2 | 12.9 |
156 | OPTUM BK | UT | 18,649 | 14,919 | 11,350 | 261 | 1.7 | 2.3 |
157 | AMERIPRISE BK FSB | MN | 23,605 | 22,309 | 22,766 | 292 | 1.3 | 1.3 |
158 | T D BK USA NA | DE | 35,511 | 29,068 | 24,646 | 327 | 1.1 | 1.3 |