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
161	+1	FirstBank	TN	42.74%	42.03%
162	-6	Prosperity Bank	TX	42.73%	42.35%
163	-9	The Fidelity Deposit and Discount Bank	PA	42.59%	42.56%
164	-22	NBT Bank	NY	42.52%	43.49%
165	-1	Central Pacific Bank	HI	42.17%	41.93%
166	-22	Unity Bank	NJ	42.06%	43.20%
167	same	First Financial Bank	OH	41.88%	41.81%
168	-9	Spencer Savings Bank, SLA	NJ	41.60%	42.16%
169	+19	Eastern Bank	MA	41.56%	39.93%
170	+17	The First Bank and Trust Company	VA	41.53%	40.05%
171	-19	Tompkins Bank & Trust	NY	41.31%	42.63%
172	-15	Independence Bank of Kentucky	KY	41.24%	42.20%
173	+30	InterBank	OK	41.01%	38.90%
174	+11	Fidelity Bank & Trust	IA	41.01%	40.33%
175	+2	First Bank	NC	41.00%	40.95%
176	-1	Stock Yards Bank & Trust Company	KY	40.97%	41.16%
177	+6	First Federal Bank	FL	40.67%	40.50%
178	+8	Fulton Bank	PA	40.46%	40.22%
179	+28	Bank of Hope	CA	40.33%	38.61%
180	-11	First Horizon Bank	TN	40.33%	41.59%
181	-8	Broadway National Bank	TX	40.29%	41.19%
182	+14	International Bank of Commerce	TX	40.24%	39.31%
183	-2	First National Bank of Pennsylvania	PA	40.17%	40.60%
184	-24	National Exchange Bank and Trust	WI	40.12%	42.05%
185	-13	Stockman Bank of Montana	MT	40.06%	41.25%
186	+5	First Western Trust Bank	CO	40.05%	39.48%
187	+63	ENCORE BANK	AR	39.81%	35.51%
188	-18	Valley National Bank	NJ	39.75%	41.55%
189	+36	Wheaton Bank & Trust	IL	39.74%	37.09%
190	-86	Northbrook Bank and Trust Company	IL	39.70%	46.99%
191	+43	Bankwell Bank	CT	39.67%	36.41%
192	-29	Avidbank	CA	39.51%	41.95%
193	+6	Columbia Bank	OR	39.45%	39.04%
194	-23	United Community Bank	SC	39.39%	41.46%
195	+16	First Bank	NJ	39.35%	38.44%
196	+17	American National Bank & Trust	TX	39.33%	38.40%
197	-18	MVB Bank, Inc	WV	39.29%	40.85%
198	+56	Southern Bancorp Bank	AR	39.23%	35.11%
199	-4	Regions Bank	AL	39.23%	39.37%
200	+2	Avidia Bank	MA	39.16%	39.02%

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.