Uninsured share of domestic deposits: US bank rankings
State Street Bank and Trust Company has the highest uninsured share of domestic deposits of the 500 US banks ranked at , at 102.28%, ahead of John Deere Financial, f.s.b. (100.00%) and The Bank of New York Mellon (99.26%). Median uninsured share of domestic deposits: 35.05%. Source: FDIC Call Reports.
Key takeaways
- The median uninsured share of domestic deposits fell to 35.05% from 35.12% between and (FDIC Call Report data).
- Median uninsured share of domestic deposits by size: 44.87% for banks over $100 bn, against 32.61% for banks $1 bn to $10 bn (, FDIC Call Reports).
- 3 banks entered the top 25 by uninsured share of domestic deposits in , including SMBC MANUBANK at 11th (FDIC Call Report data).
Ranking, Q2 2026
| Rank | Change | Bank | State | Q2 2026 | Q1 2026 | |
|---|---|---|---|---|---|---|
| 1 | same | State Street Bank and Trust Company | MA | 102.28% | 100.67% | |
| 2 | same | John Deere Financial, f.s.b. | WI | 100.00% | 100.00% | |
| 3 | same | The Bank of New York Mellon | NY | 99.26% | 99.41% | |
| 4 | same | Bank of Guam | GU | 95.89% | 98.32% | |
| 5 | +2 | Sumitomo Mitsui Trust Bank (U.S.A.) Limited | NJ | 92.29% | 92.30% | |
| 6 | same | TIB | TX | 91.45% | 92.85% | |
| 7 | -2 | Deutsche Bank Trust Company Americas | NY | 91.30% | 93.01% | |
| 8 | +2 | Citibank | SD | 82.47% | 78.42% | |
| 9 | -1 | Bessemer Trust Company | NY | 82.33% | 82.86% | |
| 10 | +1 | Monet Bank | TX | 80.17% | 76.94% | |
| 11 | +115 | SMBC MANUBANK | CA | 79.00% | 44.98% | |
| 12 | -3 | The Northern Trust Company | IL | 76.66% | 78.80% | |
| 13 | -1 | American Business Bank | CA | 75.74% | 75.03% | |
| 14 | -1 | HSBC Bank USA | VA | 71.29% | 70.55% | |
| 15 | -1 | Woori America Bank | NY | 68.67% | 67.01% | |
| 16 | +2 | CTBC Bank Corp. (USA) | CA | 66.55% | 62.87% | |
| 17 | -1 | ServisFirst Bank | AL | 66.41% | 66.19% | |
| 18 | -3 | CIBC Bank USA | IL | 65.90% | 66.33% | |
| 19 | +3 | West Texas National Bank | TX | 64.10% | 61.00% | |
| 20 | +4 | Bradesco Bank | FL | 63.89% | 60.29% | |
| 21 | +4 | First American Trust, FSB | CA | 63.84% | 60.03% | |
| 22 | -5 | UMB Bank | MO | 63.56% | 64.76% | |
| 23 | +7 | JPMorgan Chase Bank | OH | 62.53% | 58.28% | |
| 24 | -4 | Banesco USA | FL | 62.37% | 61.62% | |
| 25 | +1 | Commercial Bank of California | CA | 61.85% | 59.44% | |
| 26 | +2 | WestStar Bank | TX | 61.03% | 59.28% | |
| 27 | same | Orange Bank & Trust Company | NY | 60.78% | 59.36% | |
| 28 | -9 | The National Bank of Indianapolis | IN | 60.27% | 61.70% | |
| 29 | +7 | Banco Popular de Puerto Rico | PR | 59.76% | 57.18% | |
| 30 | +5 | Five Star Bank | CA | 59.15% | 57.33% | |
| 31 | -10 | Lone Star National Bank | TX | 58.85% | 61.23% | |
| 32 | -3 | Stellar Bank | TX | 58.47% | 59.03% | |
| 33 | +26 | BankUnited | FL | 57.91% | 52.92% | |
| 34 | +14 | Lake City Bank | IN | 57.58% | 55.07% | |
| 35 | -1 | Bryant Bank | AL | 57.57% | 57.71% | |
| 36 | +4 | Mercantile Bank | MI | 57.50% | 56.25% | |
| 37 | +6 | Bankers Trust Company | IA | 57.36% | 55.89% | |
| 38 | same | Washington Trust Bank | WA | 57.30% | 56.74% | |
| 39 | +5 | Interaudi Bank | NY | 57.15% | 55.79% | |
| 40 | -9 | Amalgamated Bank | NY | 57.05% | 57.93% | |
Rank 1 = highest. Change: places since .
How is uninsured share of domestic deposits distributed?
The middle half of the uninsured share of domestic deposits table: between 24.48% and 45.92%. Top tenth of uninsured share of domestic deposits: above 54.26%; bottom tenth: below 13.95%.
| Size group (total assets) | Banks | Lower quarter | Median | Upper quarter |
|---|---|---|---|---|
| All banks ranked | 500 | 24.48% | 35.05% | 45.92% |
| $1 bn to $10 bn | 339 | 23.85% | 32.61% | 44.10% |
| $10 bn to $100 bn | 126 | 28.88% | 38.56% | 46.73% |
| Over $100 bn | 32 | 32.46% | 44.87% | 51.83% |
What changed since Q1 2026?
Into the top 25: SMBC MANUBANK (from 126th), JPMorgan Chase Bank (from 30th), Commercial Bank of California (from 26th). Out of it: The National Bank of Indianapolis (to 28th), Lone Star National Bank (to 31st), OceanFirst Bank (to 69th).
Biggest climbs: Beal Bank USA (414th to 115th); Quad City Bank and Trust Company (215th to 74th); Safra National Bank of New York (197th to 57th); SMBC MANUBANK (126th to 11th); Bank First (372nd to 276th).
Biggest drops: Horizon Bank (189th to 363rd); Vallant Bank (264th to 406th); First American Bank (33rd to 144th); Erebor Bank (390th to 500th); Dedham Institution for Savings (149th to 245th).
How the uninsured share of domestic deposits ranking is built
The uninsured deposit share is a bank's own estimate of deposits above the FDIC insurance limit, as a percent of deposits in its domestic offices, calculated by EconoMonitor (DEPUNA / DEPDOM). Uninsured deposits can leave quickly in a crisis, as the bank failures of 2023 showed. Caveats: only banks with $1 bn or more in assets must report the estimate; the share does not separate operating accounts of businesses, which tend to stay, from large deposits that move with rates; and some uninsured balances are collateralized by securities.
Formula: DEPUNA / DEPDOM x 100. Full definition.
Questions
Which US bank has the highest uninsured share of domestic deposits?
State Street Bank and Trust Company, at 102.28% at , among 500 banks reporting it.
What is the median uninsured share of domestic deposits of US banks?
35.05% at , against 35.12% at .
How is uninsured share of domestic deposits measured?
Estimated uninsured deposits as a percent of deposits in domestic offices. Domestic deposits are used because the uninsured estimate covers domestic offices only. Formula: DEPUNA / DEPDOM x 100.
When does the uninsured share of domestic deposits ranking change?
Quarterly. figures come after .
Other US bank rankings
Size and balance sheet: Total assets, Total deposits, Net loans and leases, Loan-to-deposit ratio, Total securities, Deposits in domestic offices, Total loans and leases (gross)
Capital: CET1 ratio, Tier 1 leverage ratio, Total risk-based capital ratio, Bank equity capital, Total equity capital
Profitability: Return on equity (ROE), Return on assets (ROA), Net interest margin, Efficiency ratio, Net income (year to date)
Asset quality: Noncurrent loans to total loans, Net charge-offs to average loans
Deposits at risk: Estimated uninsured deposits
Securities: Available-for-sale securities (fair value), Available-for-sale securities (amortized cost), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value)
Staff and branches: Full-time equivalent employees, Number of offices