Uninsured deposits are best used as a funding-sensitivity screen. They show which banks depend more heavily on balances above FDIC insurance limits, a group of deposits that can move faster when large customers, treasury teams, municipalities, wealth clients, or institutional accounts get nervous. That is different from calling a bank unsafe.
This ranking uses the latest local U.S. Call Report detail available in our database for 2025-12-31. We screened active U.S. banks with at least $10 billion in total deposits and ranked them by estimated uninsured deposits divided by total deposits, using Call Report fields DEPUNINS and DEP.
Short Answer
- Reporting date: 2025-12-31.
- Screened universe: 142 active U.S. banks with at least $10 billion of total deposits and non-null values for both fields.
- Top 3 by uninsured-deposit ratio: Deutsche Bank Trust Company Americas at 93.8%, State Street Bank and Trust Company at 73.2%, and ServisFirst Bank at 68.0%.
- Core caveat: a high uninsured share means funding may be more sensitive to confidence, but it does not automatically mean the bank is unsafe.
What This Screen Measures
The ratio is simple: estimated uninsured deposits / total deposits. A higher ratio means a larger share of the deposit base is above the standard insurance limit and may be more likely to move quickly if the customer sees better rates elsewhere or loses confidence in the bank.
Across all 4,301 active U.S. banks in the local database with both fields reported for 2025-12-31, estimated uninsured deposits totaled about $8.05 trillion against $19.97 trillion of total deposits. That implies a weighted uninsured-deposit ratio of roughly 40.3%. Among banks with at least $10 billion of deposits, the weighted ratio rises to about 42.0%.
The key is not the ratio by itself. The useful question is whether the ratio is high for that bank type, whether it is rising, and whether the bank has enough realistic liquidity to handle outflows without selling assets at the wrong time.
Ranking, Split by Business Model
A single ranked list can be misleading because custody, trust, foreign-related, private-bank, and institutional-service banks naturally carry larger uninsured operating balances. The tables below keep the same overall ranking but separate business-model outliers from more general commercial and regional deposit franchises.
Custody, Trust, Institutional, and Private-Bank Models
| Overall Rank | Bank | Bank Type | Headquarters | Total Deposits | Estimated Uninsured Deposits | Uninsured Ratio |
|---|---|---|---|---|---|---|
| 1 | Deutsche Bank Trust Company Americas | Trust / foreign-related | New York, NY | $30.9B | $28.9B | 93.8% |
| 2 | State Street Bank and Trust Company | Custody / institutional | Boston, MA | $280.6B | $205.3B | 73.2% |
| 4 | CIBC Bank USA | Commercial / foreign-owned U.S. bank | Chicago, IL | $50.8B | $33.7B | 66.4% |
| 5 | The Bank of New York Mellon | Custody / trust | New York, NY | $332.4B | $217.7B | 65.5% |
| 6 | UMB Bank, National Association | Commercial / institutional services | Kansas City, MO | $61.1B | $39.7B | 65.0% |
| 7 | HSBC Bank USA, National Association | International commercial / wealth | Tysons, VA | $137.5B | $88.3B | 64.2% |
| 8 | City National Bank | Private / commercial bank | Los Angeles, CA | $78.5B | $47.9B | 61.0% |
| 14 | BNY Mellon, National Association | Trust / institutional | Pittsburgh, PA | $26.7B | $14.3B | 53.4% |
Commercial and Regional Deposit Franchises
| Overall Rank | Bank | Bank Type | Headquarters | Total Deposits | Estimated Uninsured Deposits | Uninsured Ratio |
|---|---|---|---|---|---|---|
| 3 | ServisFirst Bank | Commercial / regional | Birmingham, AL | $14.2B | $9.7B | 68.0% |
| 9 | OceanFirst Bank, National Association | Regional commercial | Toms River, NJ | $11.0B | $6.5B | 58.5% |
| 10 | Banco Popular de Puerto Rico | Regional / territory franchise | San Juan, PR | $54.8B | $31.1B | 56.8% |
| 11 | Provident Bank | Regional commercial | Jersey City, NJ | $19.3B | $10.5B | 54.4% |
| 12 | PlainsCapital Bank | Regional commercial | University Park, TX | $10.9B | $5.9B | 54.1% |
| 13 | Citizens Business Bank, National Association | Business bank | Ontario, CA | $12.1B | $6.6B | 54.1% |
| 15 | BOKF, National Association | Regional commercial | Tulsa, OK | $39.7B | $21.2B | 53.4% |
How to Read the Split
The most important interpretive move is to compare like with like. A custody bank holding institutional cash for asset managers is not the same funding story as a regional commercial bank funded by business operating accounts. Both may show high uninsured ratios, but the operational risk is different.
For custody and trust-heavy institutions, a high uninsured share can be part of the model. These banks often serve clients whose normal balances are large, transactional, and institutionally managed. The right follow-up is not panic; it is checking liquidity disclosures, client concentration, operational-deposit stability, and how much cash can be raised without taking large losses.
For commercial and regional banks, a high ratio can say more about depositor concentration. A few large business, municipal, nonprofit, or private-client relationships can raise the uninsured share quickly. The sharper risk pattern is high uninsured deposits plus a customer base that hears the same bad news at the same time. That is when a ratio turns from a spreadsheet item into a practical funding problem.
Liquidity Context: LCR Helps, But It Is Not the Whole Answer
The Liquidity Coverage Ratio, or LCR, is one useful context layer. In plain English, it compares high-quality liquid assets with projected net cash outflows over a 30-day stress period. Under Regulation WW, covered Board-regulated institutions must maintain an LCR of at least 1.0, meaning 100% coverage of the calculated stressed outflow amount.[3]
That does not make LCR the only way to interpret uninsured deposits. Some banks in this screen are not subject to the same public LCR disclosure framework as the largest covered institutions. Public LCR disclosures also appear at the holding-company or covered-entity level, not always in the same form as a bank-level Call Report screen. The disclosure rules in 12 CFR 249.90 and 249.91 explain who must disclose and what the template includes.[4][5]
The practical rule is narrower and more useful: uninsured-deposit ratio tells you where to look; liquidity tells you how much pressure the bank may be able to absorb. If the uninsured ratio is high and public liquidity data is thin, analysts should spend more time on cash, available borrowing capacity, securities marks, brokered deposits, and deposit trends.
Do not cite Federal Reserve SR 23-4 as liquidity-screen guidance. SR 23-4 is about third-party relationship risk management, not uninsured-deposit run risk or LCR screening.[6] For this article, the regulatory context comes from Regulation WW and the post-SVB supervisory reviews rather than from SR 23-4.
The SVB Lesson Without Overfitting It
Silicon Valley Bank is the reason this screen still matters. The Federal Reserve review reported that SVB Financial Group had uninsured deposits equal to 94% of total deposits at 2022 Q4, far above its large-bank peer average, and that the bank faced more than $40 billion of outflows on March 9, 2023, with management expecting far more the next day.[2] The FDIC also highlighted SVB’s 94% uninsured domestic deposit figure in its deposit-insurance reform work.[1]
The lesson is not that every high-uninsured bank is SVB. The lesson is that uninsured deposits can accelerate every other weakness. Interest-rate losses, concentrated clients, weak liquidity planning, and poor communication become more dangerous when the funding base can move in hours instead of weeks.
That is why a high ratio should trigger a workflow, not a verdict. The next questions are: are uninsured balances growing or shrinking, are they concentrated in one industry or client segment, how much immediately usable liquidity exists, and what would the bank have to sell or pledge if deposits left quickly?
Largest Uninsured Dollar Pools
Ratios identify sensitivity. Dollars identify scale. In the same 2025-12-31 local screen, the largest estimated uninsured deposit balances were at the biggest banks: JPMorgan Chase Bank, National Association at about $1.27 trillion, Bank of America, National Association at about $862.4 billion, Wells Fargo Bank, National Association at about $712.8 billion, and Citibank, National Association at about $663.0 billion.
Those banks do not top the ratio table because their deposit bases are much larger and more diversified. Still, the dollar amounts matter. A modest percentage move in a trillion-dollar deposit base can be larger than the entire uninsured balance at a smaller regional bank.
How Analysts Should Use This Ranking
- Start with peer group: compare custody banks with custody banks, regional commercial banks with regional commercial banks, and private-bank models with private-bank models.
- Check trend direction: a 55% ratio that is stable for years is different from one that jumped from 35% in two quarters.
- Look for concentration: uninsured deposits are more fragile when they come from a small number of connected industries, municipalities, venture-backed companies, or large wealth relationships.
- Match funding risk to liquidity: cash, borrowing capacity, pledgeable collateral, securities marks, and brokered-deposit reliance determine whether outflows are manageable.
- Watch communications risk: large depositors move faster when bank disclosures are confusing, delayed, or appear inconsistent with the balance-sheet story.
For deeper peer work, use Funding Analysis to move from the ratio into funding mix and liquidity context, or build a side-by-side peer set in Compare.
Methodology
- Source dataset: Deep Digital Ventures Banking Intelligence local SQLite database for U.S. banks, using Call Report detail stored in
call_report_detailand institution metadata stored ininstitutions. - Reporting date: 2025-12-31, the latest local U.S. Call Report date available for the uninsured-deposit field used in this screen.
- Metric: estimated uninsured-deposit ratio equals
DEPUNINS / DEP, whereDEPUNINSis estimated uninsured deposits andDEPis total deposits. - Screen: active U.S. banks only, with non-null values for both fields and total deposits greater than zero.
- Published-size filter: at least $10 billion in total deposits. This reduces small-bank noise where one or two large accounts can dominate the ratio.
- Units: Call Report values are stored in thousands of dollars. Tables convert and round figures to billions for readability.
- Limitations: the Call Report field is an estimate, not a live liquidity model. It does not capture depositor behavior, collateral arrangements, sweep structures, available contingent funding, securities-sale capacity, or management response.
FAQ
What are uninsured deposits?
Uninsured deposits are balances above applicable FDIC insurance coverage limits. Large commercial, institutional, municipal, private-bank, and operating accounts often create uninsured balances because their normal cash needs exceed those limits.
Does a high uninsured-deposit ratio mean a bank is unsafe?
No. It means the bank’s funding may be more sensitive to confidence. Safety and resilience depend on liquidity, capital, asset quality, deposit concentration, securities marks, borrowing access, and management execution.
Why use the uninsured-deposit ratio at all?
Because it is a clean first-pass signal. It does not answer the whole risk question, but it quickly identifies banks where large-balance depositor behavior deserves closer review.
Why exclude banks below $10 billion of deposits?
Small banks can show extreme ratios because of a few large or seasonal accounts. The $10 billion cutoff keeps the published ranking focused on institutions where uninsured funding is large enough to be more broadly decision-useful.
What should analysts check next?
Check peer rank, quarter-over-quarter trend, deposit concentration, brokered deposits, liquidity resources, securities marks, capital, and whether public LCR or other liquidity disclosures are available for the relevant institution or holding company.
Sources
- FDIC, Options for Deposit Insurance Reform – deposit-insurance reform report with SVB background and uninsured-deposit discussion.
- Federal Reserve, Review of the Federal Reserve’s Supervision and Regulation of Silicon Valley Bank – SVB review covering uninsured deposits, liquidity weaknesses, and March 2023 outflows.
- eCFR, 12 CFR 249.10 – Liquidity Coverage Ratio minimum and calculation framework.
- eCFR, 12 CFR 249.90 – timing, method, and retention requirements for public LCR disclosures.
- eCFR, 12 CFR 249.91 – LCR disclosure template and required quantitative fields.
- Federal Reserve SR 23-4 – third-party relationship risk-management guidance, cited here only to clarify that it is not liquidity-screen guidance.