Uninsured share of domestic deposits: US bank rankings
State Street Bank and Trust Company ranked first by uninsured share of domestic deposits at Q2 2026 with 102.28%, followed by John Deere Financial, f.s.b. (100.00%) and The Bank of New York Mellon (99.26%). Rank among 500 banks reporting this metric, 1 = highest; the median bank was at 35.05%. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- State Street Bank and Trust Company stayed first, at 102.28%
- Median: down from 35.12% to 35.05%
- Biggest rise in the top 100: Quad City Bank and Trust Company, from 215th to 74th
Sparklines: the last ten years (median and count: every quarter of this ranking). Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Ranking, Q2 2026
| Rank (1 = highest) | Change in rank | Bank | State | Q2 2026 | Q1 2026 | |
|---|---|---|---|---|---|---|
| 361 | +17 | TBK BANK, SSB | TX | 26.37% | 25.11% | |
| 362 | -17 | PeoplesBank | MA | 26.30% | 27.65% | |
| 363 | -174 | Horizon Bank | IN | 26.21% | 39.72% | |
| 364 | -7 | Bridgewater Bank | MN | 26.16% | 26.62% | |
| 365 | -37 | Midwest BankCentre | MO | 26.11% | 29.04% | |
| 366 | +14 | Austin Bank, Texas | TX | 26.04% | 24.72% | |
| 367 | -25 | Lawrence Bank | TN | 25.92% | 27.95% | |
| 368 | +9 | Exchange Bank | CA | 25.88% | 25.14% | |
| 369 | -20 | Merchants Bank | MN | 25.78% | 27.15% | |
| 370 | +6 | Cornerstone Capital Bank, SSB | TX | 25.72% | 25.28% | |
| 371 | -1 | Liberty Bank | CT | 25.51% | 25.93% | |
| 372 | -12 | Wilson Bank and Trust | TN | 25.36% | 26.55% | |
| 373 | -9 | The Bank of Missouri | MO | 25.30% | 26.44% | |
| 374 | +1 | First Guaranty Bank | LA | 25.29% | 25.33% | |
| 375 | +6 | Bell Bank | ND | 25.29% | 24.68% | |
| 376 | +10 | Intrust Bank | KS | 24.48% | 24.10% | |
| 377 | +17 | Armstrong Bank | OK | 24.46% | 23.15% | |
| 378 | +9 | Guaranty Bank and Trust Company | MS | 24.45% | 23.54% | |
| 379 | +4 | Independent Bank | MI | 24.38% | 24.31% | |
| 380 | +13 | MidFirst Bank | OK | 24.37% | 23.17% | |
| 381 | +1 | BankFirst Financial Services | MS | 24.27% | 24.63% | |
| 382 | +7 | The Camden National Bank | ME | 24.07% | 23.41% | |
| 383 | +12 | Heartland Bank and Trust Company | IL | 23.85% | 23.03% | |
| 384 | -15 | Hills Bank and Trust Company | IA | 23.81% | 25.94% | |
| 385 | +19 | SouthEast Bank | TN | 23.40% | 21.91% | |
| 386 | +11 | American Savings Bank | HI | 23.32% | 22.75% | |
| 387 | -14 | Barrington Bank & Trust Company | IL | 23.07% | 25.41% | |
| 388 | +3 | First State Community Bank | MO | 22.97% | 23.27% | |
| 389 | +3 | Primis Bank | VA | 22.93% | 23.26% | |
| 390 | +10 | Midland States Bank | IL | 22.73% | 22.15% | |
| 391 | +17 | American First National Bank | TX | 22.72% | 21.63% | |
| 392 | +6 | Union Savings Bank | CT | 22.67% | 22.41% | |
| 393 | +9 | ACNB Bank | PA | 22.40% | 22.00% | |
| 394 | +7 | Middlesex Savings Bank | MA | 22.40% | 22.01% | |
| 395 | +4 | The Park National Bank | OH | 22.29% | 22.25% | |
| 396 | +11 | TrustCo Bank | NY | 21.99% | 21.75% | |
| 397 | -9 | RCB Bank | OK | 21.91% | 23.53% | |
| 398 | -2 | KS StateBank | KS | 21.85% | 22.87% | |
| 399 | +14 | Ion Bank | CT | 21.70% | 20.66% | |
| 400 | +6 | Gulf Coast Bank and Trust Company | LA | 21.40% | 21.78% | |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor. Change in rank compares with Q1 2026. Bars: value relative to the largest in the table.
Who leads the table?
The five banks at the top of the table at Q2 2026 were State Street Bank and Trust Company (102.28%, MA), John Deere Financial, f.s.b. (100.00%, WI), The Bank of New York Mellon (99.26%, NY), Bank of Guam (95.89%, GU) and Sumitomo Mitsui Trust Bank (U.S.A.) Limited (92.29%, NJ). 9 of the top 10 were also in the top 10 in Q1 2026. 3 of the top 10 have their head office in New York.
How are the values spread?
Half of the 500 banks have a value between 24.48% and 45.92% (the middle two quarters of the table); one in ten is above 54.26% and one in ten below 13.95%. A year earlier, at Q2 2025, the median was 33.61% across 528 banks. The median fell from 35.12% in Q1 2026 to 35.05% in Q2 2026.
Which of the top 100 banks moved most?
Between Q1 2026 and Q2 2026, of the 500 banks ranked in both quarters, 289 moved up the table, 196 moved down and 15 kept their place; the typical bank moved 9 places.
Largest moves up the table from Q1 2026 to Q2 2026: Quad City Bank and Trust Company (from 215th to 74th; 38.27% to 50.97%); Safra National Bank of New York (from 197th to 57th; 39.20% to 53.69%); SMBC MANUBANK (from 126th to 11th; 44.98% to 79.00%). Largest moves down the table from Q1 2026 to Q2 2026: OceanFirst Bank (from 23rd to 69th; 60.63% to 51.83%); Dime Commercial Bank (from 67th to 90th; 51.63% to 49.27%); Sunwest Bank (from 49th to 62nd; 54.84% to 53.14%).
How is this ranking built?
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. Uninsured share of domestic deposits values are quarter-end figures from each bank's Call Report for Q2 2026, ranked from highest to lowest (1 = highest).
Full definitions are on the methodology page for uninsured share of domestic deposits.
Other US bank rankings
- Bank equity capital
- Common equity tier 1 (CET1) ratio
- Deposits in domestic offices
- Efficiency ratio
- Full-time equivalent employees
- Loan-to-deposit ratio
- Total loans and leases (gross)
- Net loans and leases
- Net charge-offs to average loans
- Net income (year to date)
- Net interest margin
- Noncurrent loans to total loans
- Number of offices
- Return on assets (ROA)
- Return on equity (ROE)
- Available-for-sale securities (amortized cost)
- Available-for-sale securities (fair value)
- Held-to-maturity securities (amortized cost)
- Held-to-maturity securities (fair value)
- Total securities
- Tier 1 leverage ratio
- Total assets
- Total deposits
- Total equity capital
- Total risk-based capital ratio
- Estimated uninsured deposits
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. Primary source: FDIC BankFind Suite; cross-check: FFIEC Central Data Repository. Checks: Check A passed, Check B passed.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.