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

 

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