
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 Q1 2025 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 | 368,219 | 204,443 | 236,131 | 203,705 | 99.6 | 86.3 |
2 | BANK OF NY MELLON | NY | 356,262 | 202,806 | 260,688 | 193,315 | 95.3 | 74.2 |
3 | DEUTSCHE BK TC AMERICAS | NY | 39,663 | 27,706 | 16,889 | 25,870 | 93.4 | 153.2 |
4 | CITIBANK NA | SD | 1,760,921 | 772,979 | 710,965 | 609,495 | 78.9 | 85.7 |
5 | NORTHERN TC | IL | 164,498 | 48,944 | 110,298 | 38,400 | 78.5 | 34.8 |
6 | SERVISFIRST BK | AL | 18,636 | 14,453 | 5,282 | 9,813 | 67.9 | 185.8 |
7 | HSBC BK USA NA | VA | 166,237 | 132,222 | 75,293 | 89,400 | 67.6 | 118.7 |
8 | UMB BK NA | MO | 69,014 | 58,143 | 27,883 | 37,580 | 64.6 | 134.8 |
9 | CIBC BK USA | IL | 61,303 | 48,857 | 20,625 | 31,414 | 64.3 | 152.3 |
10 | CITIZENS BUS BK | CA | 15,263 | 12,039 | 5,813 | 7,738 | 64.3 | 133.1 |
11 | CITY NB | CA | 93,149 | 76,488 | 25,477 | 47,458 | 62.0 | 186.3 |
12 | ALLEGIANCE BK | TX | 10,433 | 8,604 | 2,402 | 4,948 | 57.5 | 206.0 |
13 | OCEANFIRST BK NA | NJ | 13,218 | 10,309 | 1,915 | 5,897 | 57.2 | 307.9 |
14 | BANCO POPULAR DE PR | PR | 59,140 | 54,285 | 32,324 | 31,020 | 57.1 | 96.0 |
15 | JPMORGAN CHASE BK NA | OH | 3,643,099 | 2,097,135 | 1,093,846 | 1,184,618 | 56.5 | 108.3 |
16 | BNY MELLON NA | PA | 30,061 | 25,327 | 7,107 | 14,171 | 56.0 | 199.4 |
17 | WASHINGTON TR BK | WA | 10,703 | 8,714 | 3,441 | 4,868 | 55.9 | 141.5 |
18 | FIRSTBANK PR | PR | 19,102 | 16,616 | 6,429 | 9,060 | 54.5 | 140.9 |
19 | FIRST HAWAIIAN BK | HI | 23,748 | 18,107 | 7,131 | 9,854 | 54.4 | 138.2 |
20 | BOKF NA | OK | 50,345 | 38,661 | 17,034 | 20,720 | 53.6 | 121.6 |
21 | FARMERS & MRCH BK | CA | 11,487 | 8,697 | 4,864 | 4,615 | 53.1 | 94.9 |
22 | PROVIDENT BK | NJ | 24,256 | 18,519 | 3,591 | 9,745 | 52.6 | 271.4 |
23 | FROST BK | Tx | 52,059 | 42,862 | 29,597 | 22,416 | 52.3 | 75.7 |
24 | ORIENTAL BK | PR | 11,590 | 9,934 | 3,378 | 5,176 | 52.1 | 153.2 |
25 | EAST WEST BK | CA | 75,712 | 59,632 | 19,019 | 31,046 | 52.1 | 163.2 |
26 | COMERICA BK | TX | 77,698 | 62,670 | 23,509 | 32,291 | 51.5 | 137.4 |
27 | PLAINSCAPITAL BK | TX | 12,875 | 10,934 | 3,901 | 5,614 | 51.3 | 143.9 |
28 | SYNOVUS BK | GA | 60,208 | 51,540 | 13,415 | 26,237 | 50.9 | 195.6 |
29 | DIME CMNTY BK | NY | 14,085 | 11,694 | 2,402 | 5,950 | 50.9 | 247.7 |
30 | BANK OF HAWAII | HI | 23,853 | 19,730 | 8,584 | 10,035 | 50.9 | 116.9 |
31 | BANKUNITED NA | FL | 34,811 | 28,521 | 9,873 | 14,478 | 50.8 | 146.6 |
32 | U S BK NA | OH | 659,191 | 516,596 | 220,071 | 257,943 | 49.9 | 117.2 |
33 | KEYBANK NA | OH | 185,776 | 155,773 | 68,287 | 77,571 | 49.8 | 113.6 |
34 | BMO HARRIS BK NA | IL | 257,049 | 202,572 | 91,884 | 98,652 | 48.7 | 107.4 |
35 | TOWNEBANK | VA | 17,512 | 14,761 | 4,110 | 7,170 | 48.6 | 174.4 |
36 | HANCOCK WHITNEY BK | MS | 34,732 | 29,473 | 9,496 | 14,288 | 48.5 | 150.5 |
37 | MANUFACTURERS & TRADERS TC | NY | 209,801 | 169,266 | 56,849 | 81,679 | 48.3 | 143.7 |
38 | OLD NB | IN | 53,574 | 41,333 | 12,807 | 19,704 | 47.7 | 153.9 |
39 | CITY NB OF FL | FL | 27,175 | 21,967 | 7,534 | 10,399 | 47.3 | 138.0 |
40 | ISRAEL DISCOUNT BK OF NY | NY | 13,581 | 11,758 | 3,388 | 5,558 | 47.3 | 164.1 |
41 | CATHAY BK | CA | 23,189 | 19,620 | 2,920 | 9,256 | 47.2 | 316.9 |
42 | CENTENNIAL BK | AR | 22,919 | 18,097 | 5,859 | 8,511 | 47.0 | 145.3 |
43 | VERITEX CMNTY BK | TX | 12,561 | 10,696 | 2,365 | 4,978 | 46.5 | 210.5 |
44 | ASSOCIATED BK NA | WI | 43,249 | 35,229 | 9,727 | 16,157 | 45.9 | 166.1 |
45 | FIRST FNCL BK NA | TX | 14,259 | 12,577 | 6,126 | 5,766 | 45.8 | 94.1 |
46 | AMERIS BK | GA | 26,428 | 22,016 | 3,424 | 10,015 | 45.5 | 292.5 |
47 | TRUIST BK | NC | 527,488 | 413,781 | 164,946 | 187,688 | 45.4 | 113.8 |
48 | WELLS FARGO BK NA | SD | 1,711,028 | 1,412,718 | 579,529 | 639,671 | 45.3 | 110.4 |
49 | BERKSHIRE BK | MA | 12,013 | 10,029 | 2,118 | 4,485 | 44.7 | 211.7 |
50 | ZIONS BC NA | UT | 87,992 | 76,011 | 22,658 | 33,937 | 44.6 | 149.8 |
51 | MECHANICS BK | CA | 16,544 | 13,990 | 5,837 | 6,219 | 44.5 | 106.5 |
52 | AMERANT BK NA | FL | 10,147 | 8,241 | 2,378 | 3,636 | 44.1 | 152.9 |
53 | FIFTH THIRD BK NA | OH | 211,921 | 168,895 | 71,732 | 74,438 | 44.1 | 103.8 |
54 | PNC BK NA | DE | 549,324 | 429,028 | 178,847 | 187,121 | 43.6 | 104.6 |
55 | RENASANT BK | MS | 18,272 | 15,174 | 3,286 | 6,618 | 43.6 | 201.4 |
56 | FIRST MRCHS BK | IN | 18,426 | 14,508 | 4,086 | 6,226 | 42.9 | 152.4 |
57 | CITIZENS BK NA | RI | 220,014 | 181,419 | 56,928 | 77,784 | 42.9 | 136.6 |
58 | GOLDMAN SACHS BK USA | NY | 598,460 | 386,866 | 184,249 | 164,840 | 42.6 | 89.5 |
59 | BANK OF AMER NA | NC | 2,615,296 | 1,942,170 | 1,164,708 | 822,178 | 42.3 | 70.6 |
60 | COMMERCE BK | MO | 32,239 | 26,197 | 13,391 | 11,067 | 42.2 | 82.7 |
61 | FIRSTBANK | TN | 13,107 | 11,235 | 2,394 | 4,677 | 41.6 | 195.4 |
62 | FIRST NB OF PA | PA | 48,800 | 38,155 | 10,078 | 15,782 | 41.4 | 156.6 |
63 | FIRST HORIZON BK | TN | 81,202 | 65,208 | 12,294 | 26,738 | 41.0 | 217.5 |
64 | EASTERN BK | MA | 24,985 | 20,971 | 5,224 | 8,558 | 40.8 | 163.8 |
65 | SOUTH ST BK NA | FL | 65,109 | 53,444 | 11,848 | 21,788 | 40.8 | 183.9 |
66 | PINNACLE BK | TN | 54,173 | 44,736 | 12,801 | 18,195 | 40.7 | 142.1 |
67 | NBT BK NA | NY | 13,760 | 11,939 | 2,930 | 4,845 | 40.6 | 165.4 |
68 | TEXAS CAP BK NA | TX | 31,103 | 26,560 | 8,199 | 10,758 | 40.5 | 131.2 |
69 | UNITED CMNTY BK | SC | 27,827 | 24,241 | 7,467 | 9,781 | 40.3 | 131.0 |
70 | BANK OF HOPE | CA | 17,063 | 14,514 | 3,089 | 5,821 | 40.1 | 188.5 |
71 | PROSPERITY BK | TX | 38,764 | 28,321 | 12,490 | 11,350 | 40.1 | 90.9 |
72 | FIRST FNCL BK | OH | 18,340 | 14,436 | 4,446 | 5,759 | 39.9 | 129.5 |
73 | FIRST BK | NC | 12,437 | 10,771 | 3,679 | 4,278 | 39.7 | 116.3 |
74 | BEAL BK USA | NV | 16,287 | 8,915 | 11,773 | 3,540 | 39.7 | 30.1 |
75 | PACIFIC PREMIER BK | CA | 18,081 | 14,721 | 4,238 | 5,838 | 39.7 | 137.8 |
76 | SIMMONS BK | AR | 26,749 | 21,959 | 7,167 | 8,615 | 39.2 | 120.2 |
77 | FULTON BK NA | PA | 31,989 | 26,482 | 6,383 | 10,378 | 39.2 | 162.6 |
78 | WILMINGTON SVG FUND SCTY FSB | DE | 20,461 | 17,133 | 6,186 | 6,640 | 38.8 | 107.3 |
79 | REGIONS BK | AL | 158,421 | 132,993 | 47,024 | 51,439 | 38.7 | 109.4 |
80 | BREMER BK NA | MN | 16,414 | 13,321 | 4,195 | 5,098 | 38.3 | 121.5 |
81 | CUSTOMERS BK | PA | 22,416 | 19,134 | 6,464 | 7,318 | 38.2 | 113.2 |
82 | UNITED BK | VA | 32,691 | 26,592 | 5,883 | 10,161 | 38.2 | 172.7 |
83 | VALLEY NB | NJ | 61,818 | 50,174 | 8,561 | 19,045 | 38.0 | 222.5 |
84 | SAFRA NB OF NY | NY | 11,099 | 9,400 | 7,414 | 3,566 | 37.9 | 48.1 |
85 | SANDY SPRING BK | MD | 13,766 | 11,322 | 1,674 | 4,259 | 37.6 | 254.3 |
86 | COLUMBIA BK | NJ | 10,608 | 8,253 | 1,834 | 3,100 | 37.6 | 169.0 |
87 | SEACOAST NB | FL | 15,723 | 12,582 | 3,835 | 4,672 | 37.1 | 121.8 |
88 | BANCORPSOUTH BK | MS | 47,743 | 40,336 | 10,237 | 14,943 | 37.0 | 146.0 |
89 | BUSEY BK | IL | 11,977 | 10,025 | 3,372 | 3,664 | 36.5 | 108.6 |
90 | SANTANDER BK NA | DE | 104,559 | 80,784 | 37,987 | 29,522 | 36.5 | 77.7 |
91 | BANK OZK | AR | 39,165 | 31,926 | 5,437 | 11,591 | 36.3 | 213.2 |
92 | T D BK NA | DE | 366,507 | 295,363 | 170,575 | 107,172 | 36.3 | 62.8 |
93 | FIRST-CITIZENS B&TC | NC | 228,632 | 160,109 | 69,886 | 58,063 | 36.3 | 83.1 |
94 | CENTRAL TR BK | MO | 19,551 | 15,479 | 7,432 | 5,559 | 35.9 | 74.8 |
95 | TRUSTMARK NB | MS | 18,294 | 15,175 | 3,634 | 5,437 | 35.8 | 149.6 |
96 | ATLANTIC UNION BK | VA | 24,520 | 20,562 | 4,114 | 7,175 | 34.9 | 174.4 |
97 | UMPQUA BK | OR | 51,509 | 42,292 | 10,757 | 14,528 | 34.4 | 135.1 |
98 | FIRST INTRST BK | MT | 28,204 | 22,992 | 8,723 | 7,783 | 33.8 | 89.2 |
99 | COMMUNITY BK NA | NY | 16,504 | 14,086 | 5,064 | 4,755 | 33.8 | 93.9 |
100 | WEBSTER BK NA | CT | 80,212 | 65,844 | 20,751 | 22,064 | 33.5 | 106.3 |
101 | ROCKLAND TC | MA | 19,887 | 15,909 | 3,493 | 5,268 | 33.1 | 150.8 |
102 | FIRST UNITED B&TC | OK | 16,287 | 12,598 | 2,105 | 4,110 | 32.6 | 195.2 |
103 | WESBANCO BK | WV | 27,321 | 21,438 | 5,656 | 6,912 | 32.2 | 122.2 |
104 | POPULAR BK | NY | 14,529 | 11,953 | 2,663 | 3,814 | 31.9 | 143.2 |
105 | BANNER BK | WA | 16,187 | 13,677 | 3,880 | 4,357 | 31.9 | 112.3 |
106 | ENTERPRISE B&TC | MO | 15,648 | 13,162 | 3,646 | 4,155 | 31.6 | 114.0 |
107 | GLACIER BK | MT | 27,842 | 20,811 | 8,766 | 6,472 | 31.1 | 73.8 |
108 | HUNTINGTON NB | OH | 208,159 | 169,559 | 63,208 | 52,570 | 31.0 | 83.2 |
109 | WASHINGTON FED BK NA | WA | 27,629 | 21,588 | 4,945 | 6,567 | 30.4 | 132.8 |
110 | TRISTATE CAP BK | PA | 20,708 | 18,974 | 5,160 | 5,757 | 30.3 | 111.6 |
111 | FIRST NB OF OMAHA | NE | 31,792 | 26,148 | 7,863 | 7,922 | 30.3 | 100.7 |
112 | FIRSTBANK | CO | 27,110 | 23,837 | 10,868 | 7,069 | 29.7 | 65.0 |
113 | PACIFIC WESTERN BK | CA | 33,692 | 27,517 | 7,188 | 8,091 | 29.4 | 112.6 |
114 | DOLLAR BK FSB | PA | 11,743 | 9,826 | 2,186 | 2,789 | 28.4 | 127.6 |
115 | BANCFIRST | OK | 11,761 | 10,388 | 4,472 | 2,929 | 28.2 | 65.5 |
116 | WESTERN ALLI BK | AZ | 82,944 | 69,721 | 19,655 | 19,631 | 28.2 | 99.9 |
117 | UBS BK USA | UT | 116,338 | 97,879 | 29,812 | 27,119 | 27.7 | 91.0 |
118 | FIRST COMMONWEALTH BK | PA | 11,756 | 9,950 | 1,906 | 2,730 | 27.4 | 143.2 |
119 | NORTHWEST BK | PA | 14,475 | 12,507 | 2,428 | 3,222 | 25.8 | 132.7 |
120 | ARVEST BK | AR | 27,136 | 23,977 | 7,566 | 6,141 | 25.6 | 81.2 |
121 | EAGLEBANK | MD | 11,267 | 9,292 | 2,885 | 2,350 | 25.3 | 81.5 |
122 | MORGAN STANLEY PRIV BK NA | NY | 223,785 | 203,572 | 62,040 | 50,759 | 24.9 | 81.8 |
123 | MERCHANTS BK OF IN | IN | 18,741 | 12,468 | 2,463 | 3,046 | 24.4 | 123.7 |
124 | FIRST FOUND BK | CA | 12,557 | 9,591 | 3,241 | 2,326 | 24.3 | 71.8 |
125 | CAPITAL ONE NA | VA | 490,573 | 388,624 | 141,101 | 90,966 | 23.4 | 64.5 |
126 | NEW YORK CMNTY BK | NY | 97,568 | 74,441 | 26,204 | 17,113 | 23.0 | 65.3 |
127 | NBH BK | CO | 10,062 | 8,546 | 1,655 | 1,877 | 22.0 | 113.4 |
128 | AMERICAN EXPRESS NB | UT | 203,448 | 158,851 | 46,801 | 34,620 | 21.8 | 74.0 |
129 | MIDFIRST BK | OK | 39,520 | 24,326 | 5,217 | 5,270 | 21.7 | 101.0 |
130 | BELL BK | ND | 14,499 | 12,679 | 1,924 | 2,703 | 21.3 | 140.5 |
131 | APPLE BK FOR SVG | NY | 17,945 | 14,874 | 4,383 | 3,146 | 21.1 | 71.8 |
132 | STIFEL BK | MO | 11,478 | 10,649 | 4,522 | 2,110 | 19.8 | 46.7 |
133 | MORGAN STANLEY BK NA | UT | 234,481 | 187,089 | 94,259 | 36,330 | 19.4 | 38.5 |
134 | NEXBANK | TX | 13,909 | 10,603 | 4,074 | 1,788 | 16.9 | 43.9 |
135 | CHARLES SCHWAB BK SSB | TX | 260,404 | 219,880 | 212,533 | 35,234 | 16.0 | 16.6 |
136 | STIFEL B&T | MO | 19,530 | 17,902 | 4,633 | 2,713 | 15.2 | 58.6 |
137 | LIVE OAK BKG CO | NC | 13,504 | 12,446 | 2,139 | 1,871 | 15.0 | 87.5 |
138 | AXOS BK | CA | 23,100 | 20,331 | 2,926 | 2,993 | 14.7 | 102.3 |
139 | TIAA FSB | FL | 41,858 | 30,812 | 10,999 | 4,267 | 13.8 | 38.8 |
140 | LENDINGCLUB BK NA | UT | 10,344 | 9,018 | 4,335 | 1,190 | 13.2 | 27.4 |
141 | ALLY BK | UT | 182,323 | 155,287 | 35,731 | 17,205 | 11.1 | 48.2 |
142 | SYNCHRONY BK | UT | 114,809 | 86,092 | 23,113 | 9,060 | 10.5 | 39.2 |
143 | DISCOVER BK | DE | 145,413 | 114,277 | 31,061 | 10,084 | 8.8 | 32.5 |
144 | RAYMOND JAMES BK | FL | 41,907 | 37,925 | 8,558 | 3,176 | 8.4 | 37.1 |
145 | WELLS FARGO NB WEST | NV | 10,221 | 8,419 | 4,738 | 653 | 7.8 | 13.8 |
146 | BMW BK OF NORTH AMER | UT | 12,294 | 8,075 | 2,851 | 555 | 6.9 | 19.5 |
147 | USAA FSB | AZ | 110,780 | 97,291 | 67,074 | 6,236 | 6.4 | 9.3 |
148 | SALLIE MAE BK | UT | 28,934 | 20,426 | 5,605 | 1,234 | 6.0 | 22.0 |
149 | COMENITY CAP BK | UT | 13,240 | 9,942 | 2,864 | 574 | 5.8 | 20.0 |
150 | BARCLAYS BK DE | DE | 45,277 | 35,721 | 10,375 | 2,049 | 5.7 | 19.7 |
151 | BANK OF AMER CA NA | CA | 16,118 | 13,313 | 5,457 | 745 | 5.6 | 13.7 |
152 | CHARLES SCHWAB PREMIER BK SSB | TX | 25,262 | 22,876 | 23,178 | 898 | 3.9 | 3.9 |
153 | THIRD FS&LA | OH | 17,099 | 10,513 | 1,019 | 370 | 3.5 | 36.3 |
154 | GOLDEN PACIFIC BK NA | UT | 32,857 | 27,383 | 4,257 | 791 | 2.9 | 18.6 |
155 | OPTUM BK | UT | 18,867 | 14,996 | 10,638 | 272 | 1.8 | 2.6 |
156 | AMERIPRISE BK FSB | MN | 24,178 | 22,672 | 23,094 | 313 | 1.4 | 1.4 |
157 | T D BK USA NA | DE | 34,737 | 28,325 | 24,888 | 340 | 1.2 | 1.4 |