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Liquidity Risk from Exposures to Uninsured 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.
Obs | Name | ST | Total Assets (Millions) | Total Domestic Deposits (Millions) | Uninsured Deposits (Millions) | Percent Uninsured |
1 | BANK OF NEW YORK MELLON, THE | NY | 357,477,000 | 213,534,000 | 213,534,000 | 100.0 |
2 | JOHN DEERE FINANCIAL, F.S.B. | WI | 3,426,925 | 1,281,847 | 1,281,597 | 100.0 |
3 | DEUTSCHE BANK TRUST COMPANY AM | NY | 38,920,000 | 26,750,000 | 26,015,000 | 97.3 |
4 | STATE STREET BANK AND TRUST CO | MA | 333,667,000 | 190,845,000 | 176,734,000 | 92.6 |
5 | SUMITOMO MITSUI TRUST BANK (U. | NJ | 3,427,848 | 2,946,342 | 2,712,655 | 92.1 |
6 | GREENE COUNTY COMMERCIAL BANK | NY | 1,256,243 | 1,161,108 | 1,060,931 | 91.4 |
7 | BESSEMER TRUST COMPANY, N.A. | NY | 2,699,359 | 1,820,252 | 1,544,000 | 84.8 |
8 | COMMERCEWEST BANK | CA | 1,099,243 | 963,325 | 798,503 | 82.9 |
9 | COLUMBIA BANK | NJ | 10,310,306 | 7,701,712 | 6,249,637 | 81.1 |
10 | CONNECTONE BANK | NJ | 9,845,796 | 7,622,191 | 6,108,775 | 80.1 |
11 | TIB, NATIONAL ASSOCIATION | TX | 2,970,559 | 2,525,574 | 2,008,509 | 79.5 |
12 | BANK OF GUAM | GU | 2,553,805 | 1,896,778 | 1,470,076 | 77.5 |
13 | FIRST STATE BANK OF UVALDE | TX | 1,916,102 | 1,762,770 | 1,351,976 | 76.7 |
14 | PACIFIC COAST BANKERS' BANK | CA | 1,214,539 | 476,054 | 361,997 | 76.0 |
15 | NORTH AMERICAN BANKING COMPANY | MN | 1,266,770 | 1,114,189 | 839,645 | 75.4 |
16 | NORTHERN TRUST COMPANY, THE | IL | 155,572,769 | 49,223,919 | 36,379,128 | 73.9 |
17 | AMERICAN BUSINESS BANK | CA | 3,876,175 | 3,309,015 | 2,430,863 | 73.5 |
18 | CITIBANK, N.A. | SD | ########### | 764,688,000 | 554,704,000 | 72.5 |
19 | BANK OF UTAH | UT | 3,008,314 | 2,248,912 | 1,630,781 | 72.5 |
20 | HSBC BANK USA, NATIONAL ASSOCI | VA | 163,070,236 | 129,548,803 | 90,428,950 | 69.8 |
21 | CASS COMMERCIAL BANK | MO | 1,344,302 | 1,148,528 | 785,127 | 68.4 |
22 | UMB BANK, NATIONAL ASSOCIATION | MO | 45,065,965 | 37,046,616 | 25,266,117 | 68.2 |
23 | PEGASUS BANK | TX | 1,253,688 | 1,122,729 | 764,989 | 68.1 |
24 | MIZUHO BANK (USA) | NY | 5,885,686 | 4,656,103 | 3,123,817 | 67.1 |
25 | SERVISFIRST BANK | AL | 15,720,721 | 12,774,398 | 8,423,217 | 65.9 |
26 | OPEN BANK | CA | 2,234,400 | 1,896,319 | 1,248,644 | 65.8 |
27 | CHAIN BRIDGE BANK, NATIONAL AS | VA | 1,233,771 | 1,135,877 | 744,551 | 65.5 |
28 | BNY MELLON, NATIONAL ASSOCIATI | PA | 30,932,000 | 25,734,000 | 16,851,000 | 65.5 |
29 | SIGNATURE BANK | IL | 1,920,803 | 1,639,966 | 1,064,491 | 64.9 |
30 | FIRST PREMIER BANK | SD | 3,133,857 | 2,630,826 | 1,695,005 | 64.4 |
31 | CIBC BANK USA | IL | 55,048,496 | 43,630,143 | 27,781,405 | 63.7 |
32 | CTBC BANK CORP. (USA) | CA | 5,260,458 | 4,528,104 | 2,872,325 | 63.4 |
33 | OAKWORTH CAPITAL BANK | AL | 1,598,899 | 1,439,211 | 903,923 | 62.8 |
34 | FIRST AMERICAN TRUST, FSB | CA | 5,946,532 | 5,747,861 | 3,584,883 | 62.4 |
35 | UNITED TEXAS BANK | TX | 1,119,346 | 724,675 | 449,342 | 62.0 |
36 | CITIZENS BUSINESS BANK | CA | 16,476,335 | 11,943,928 | 7,248,739 | 60.7 |
37 | NATIONAL COOPERATIVE BANK, N.A | OH | 3,730,166 | 3,056,465 | 1,846,412 | 60.4 |
38 | TEXAS SECURITY BANK | TX | 1,177,257 | 934,917 | 562,041 | 60.1 |
39 | COMMERCIAL BANK OF CALIFORNIA | CA | 2,438,690 | 1,997,268 | 1,197,238 | 59.9 |
40 | WEST TEXAS NATIONAL BANK | TX | 2,417,528 | 2,178,574 | 1,292,525 | 59.3 |
41 | TEXAS COMMUNITY BANK | TX | 1,949,331 | 1,686,163 | 999,355 | 59.3 |
42 | LIBERTY BANK AND TRUST COMPANY | LA | 1,039,195 | 913,875 | 538,595 | 58.9 |
43 | NATIONAL BANK OF INDIANAPOLIS, | IN | 2,931,904 | 2,691,881 | 1,582,130 | 58.8 |
44 | CITIZENS ALLIANCE BANK | MN | 1,543,511 | 1,318,025 | 770,475 | 58.5 |
45 | SECURITY NATIONAL BANK OF OMAH | NE | 1,707,621 | 1,437,129 | 834,073 | 58.0 |
46 | BANCO POPULAR DE PUERTO RICO | PR | 57,114,000 | 53,041,000 | 30,488,000 | 57.5 |
47 | LONE STAR STATE BANK OF WEST T | TX | 1,383,765 | 1,241,928 | 710,340 | 57.2 |
48 | BANKERS' BANK | WI | 1,476,255 | 875,108 | 496,694 | 56.8 |
49 | SUTTON BANK | OH | 2,054,081 | 1,868,683 | 1,052,922 | 56.3 |
50 | CITY NATIONAL BANK | CA | 92,425,114 | 76,789,550 | 43,264,420 | 56.3 |
51 | LONE STAR NATIONAL BANK | TX | 2,868,155 | 2,537,501 | 1,428,445 | 56.3 |
52 | FIVE STAR BANK | CA | 3,476,132 | 2,964,783 | 1,644,962 | 55.5 |
53 | TROY BANK & TRUST COMPANY | AL | 1,514,834 | 1,360,408 | 754,001 | 55.4 |
54 | AMALGAMATED BANK | NY | 8,147,454 | 7,347,804 | 4,069,379 | 55.4 |
55 | FIRST NATIONAL BANK OF LONG IS | NY | 4,254,785 | 3,328,612 | 1,834,216 | 55.1 |
56 | UNIBANK FOR SAVINGS | MA | 2,599,798 | 2,263,908 | 1,241,765 | 54.9 |
57 | FFB BANK | CA | 1,393,059 | 1,202,451 | 657,712 | 54.7 |
58 | WOORI AMERICA BANK | NY | 3,328,684 | 2,798,358 | 1,529,292 | 54.7 |
59 | FIRST AMERICAN BANK | IL | 7,186,282 | 4,815,573 | 2,630,285 | 54.6 |
60 | U.S. CENTURY BANK | FL | 2,488,336 | 2,112,234 | 1,150,157 | 54.5 |
61 | BANK OF HAWAII | HI | 23,389,344 | 19,418,064 | 10,562,219 | 54.4 |
62 | STELLAR BANK | TX | 10,718,502 | 8,829,915 | 4,802,017 | 54.4 |
63 | PEOPLES BANK OF ALABAMA | AL | 1,310,967 | 1,196,365 | 650,622 | 54.4 |
64 | FIRST HAWAIIAN BANK | HI | 24,278,265 | 18,675,746 | 10,143,783 | 54.3 |
65 | LAKE CITY BANK | IN | 6,561,893 | 5,621,074 | 3,033,129 | 54.0 |
66 | FIRST UNITED BANK | TX | 2,142,473 | 1,815,054 | 971,963 | 53.6 |
67 | WASHINGTON TRUST BANK | WA | 10,929,896 | 7,990,445 | 4,269,655 | 53.4 |
68 | WESTSTAR BANK | TX | 3,095,461 | 2,507,486 | 1,339,546 | 53.4 |
69 | INTERAUDI BANK | NY | 2,240,280 | 1,952,585 | 1,040,216 | 53.3 |
70 | BEAL BANK USA | NV | 18,030,977 | 6,017,429 | 3,191,277 | 53.0 |
71 | SUNWEST BANK | UT | 3,232,434 | 2,562,755 | 1,357,335 | 53.0 |
72 | BRADESCO BANK | FL | 4,282,284 | 3,679,381 | 1,947,296 | 52.9 |
73 | BANK OF TAMPA, THE | FL | 3,062,692 | 2,817,973 | 1,479,648 | 52.5 |
74 | BRYANT BANK | AL | 2,459,926 | 1,944,299 | 1,014,324 | 52.2 |
75 | EAST WEST BANK | CA | 70,747,599 | 55,615,906 | 29,006,693 | 52.2 |
76 | OCEANFIRST BANK, NATIONAL ASSO | NJ | 13,309,822 | 10,300,518 | 5,364,513 | 52.1 |
77 | CACHE VALLEY BANK | UT | 2,901,555 | 2,548,890 | 1,325,951 | 52.0 |
78 | FROST BANK | TX | 49,567,514 | 41,246,014 | 21,378,776 | 51.8 |
79 | PROVIDENT BANK | NJ | 14,125,178 | 10,149,254 | 5,257,121 | 51.8 |
80 | JPMORGAN CHASE BANK, NATIONAL | OH | ########### | 2,061,107,000 | 1,066,445,000 | 51.7 |
81 | FARMERS AND MERCHANTS BANK OF | CA | 12,191,083 | 8,597,629 | 4,442,077 | 51.7 |
82 | UNITED SECURITY BANK | CA | 1,206,817 | 958,905 | 493,910 | 51.5 |
83 | JEFFERSON BANK | TX | 2,913,826 | 2,592,473 | 1,335,019 | 51.5 |
84 | ORIENTAL BANK | PR | 11,027,291 | 9,561,804 | 4,890,958 | 51.2 |
85 | CARROLLTON BANK | IL | 3,457,881 | 3,172,846 | 1,621,296 | 51.1 |
86 | HORIZON BANK, SSB | TX | 2,305,675 | 1,986,697 | 1,014,789 | 51.1 |
87 | ORANGE BANK & TRUST COMPANY | NY | 2,443,138 | 2,153,147 | 1,099,411 | 51.1 |
88 | NORTHWEST BANK | ID | 1,390,699 | 1,103,560 | 562,332 | 51.0 |
89 | SHINHAN BANK AMERICA | NY | 1,841,066 | 1,531,713 | 780,467 | 51.0 |
90 | BOKF, NATIONAL ASSOCIATION | OK | 49,947,764 | 35,671,838 | 18,160,840 | 50.9 |
91 | TEXAS PARTNERS BANK | TX | 2,240,666 | 2,028,498 | 1,024,117 | 50.5 |
92 | U.S. BANK NATIONAL ASSOCIATION | OH | 669,425,523 | 532,825,419 | 268,490,311 | 50.4 |
93 | BENCHMARK BANK | TX | 1,117,658 | 995,961 | 501,136 | 50.3 |
94 | GROVE BANK & TRUST | FL | 1,137,842 | 871,115 | 437,927 | 50.3 |
95 | HELM BANK USA | FL | 1,044,175 | 951,976 | 475,486 | 49.9 |
96 | CITY NATIONAL BANK OF FLORIDA | FL | 26,126,524 | 21,061,087 | 10,495,005 | 49.8 |
97 | VILLAGE BANK, THE | MA | 1,946,483 | 1,705,636 | 849,905 | 49.8 |
98 | WEST BANK | IA | 3,960,858 | 3,070,735 | 1,525,923 | 49.7 |
99 | BANKERS TRUST COMPANY | IA | 6,718,502 | 5,144,374 | 2,553,069 | 49.6 |
100 | DALLAS CAPITAL BANK, NATIONAL | TX | 1,148,473 | 837,331 | 414,446 | 49.5 |