Uninsured share of domestic deposits: US bank rankings

500 FDIC-insured banks ranked by uninsured share of domestic deposits at Q2 2026, from each bank's Call Report. 1 = highest.

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.

What changed this quarter (Q1 2026 to Q2 2026)

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

Highest value

102.28%

State Street Bank and Trust Company

Rank 1 of 500 1 = highest

Median bank

35.05%

Middle of the 500 banks ranked

Lowest value

0.00%

Erebor Bank

Rank 500 of 500 1 = highest

Banks ranked

500

Every bank in our coverage that reported it

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		Q1 2026
121	-1	Renasant Bank	MS	46.27%	45.88%
122	-13	Zions Bancorporation	UT	46.17%	46.73%
123	+11	Wilmington Savings Fund Society, FSB	DE	46.12%	44.23%
124	+34	Southern First Bank	SC	45.94%	42.18%
125	-3	Wintrust Bank	IL	45.94%	45.70%
126	+12	Ocean Bank	FL	45.92%	43.88%
127	+87	Columbia Bank	NJ	45.65%	38.40%
128	-5	Principal Bank	IA	45.59%	45.49%
129	+53	Republic Bank & Trust Company	KY	45.58%	40.55%
130	-19	Ameris Bank	GA	45.56%	46.53%
131	+9	Tradition Capital Bank	MN	45.41%	43.69%
132	+23	First Merchants Bank	IN	45.36%	42.55%
133	+3	Bank of America	NC	45.36%	44.03%
134	+3	Goldman Sachs Bank USA	NY	45.23%	44.00%
135	same	Bank of Stockton	CA	45.23%	44.22%
136	+25	Capital Bank	MD	45.13%	42.04%
137	-21	Univest Bank and Trust Co.	PA	45.12%	46.19%
138	-20	South Shore Bank	MA	45.08%	46.14%
139	+2	Truist Bank	NC	44.91%	43.61%
140	-16	PNC Bank	DE	44.83%	45.28%
141	-10	BCB Community Bank	NJ	44.78%	44.53%
142	-10	Hanmi Bank	CA	44.76%	44.34%
143	-14	First Financial Bank	TX	44.70%	44.59%
144	-111	First American Bank	IL	44.58%	57.72%
145	-33	Fifth Third Bank	OH	44.48%	46.48%
146	+4	Customers Bank	PA	44.28%	42.78%
147	-4	First Security Bank	AR	44.27%	43.30%
148	-41	Georgia Banking Company	GA	44.10%	46.87%
149	-10	Bank of Ann Arbor	MI	43.99%	43.79%
150	+44	Morgan Stanley Bank	UT	43.96%	39.38%
151	-21	The American National Bank of Texas	TX	43.91%	44.53%
152	-5	Republic Bank of Chicago	IL	43.58%	42.84%
153	+13	Susser Bank	TX	43.42%	41.90%
154	-3	Old National Bank	IN	43.27%	42.69%
155	-2	Busey Bank	IL	43.03%	42.58%
156	+22	Mechanics Bank	CA	42.90%	40.86%
157	-12	River Bank & Trust	AL	42.89%	43.13%
158	-10	Bank Independent	AL	42.85%	42.82%
159	+9	German American Bank	IN	42.83%	41.66%
160	+52	Southside Bank	TX	42.81%	38.41%

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

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.