Estimated uninsured deposits: US bank rankings
JPMorgan Chase Bank has the highest estimated uninsured deposits of the 500 US banks ranked at , at $1,392.5 bn, ahead of Bank of America ($899.7 bn) and Wells Fargo Bank ($786.2 bn). Median estimated uninsured deposits: $1.5 bn. Source: FDIC Call Reports.
Key takeaways
- The median estimated uninsured deposits rose to $1.5 bn from $1.5 bn between and (FDIC Call Report data).
- Median estimated uninsured deposits by size: $92.9 bn for banks over $100 bn, against $1.1 bn for banks $1 bn to $10 bn (, FDIC Call Reports).
- Burke & Herbert Bank & Trust Company made the largest climb in the estimated uninsured deposits table, from 209th to 146th in (FDIC Call Report data).
Ranking, Q2 2026
| Rank | Change | Bank | State | Q2 2026 | Q1 2026 | |
|---|---|---|---|---|---|---|
| 1 | same | JPMorgan Chase Bank | OH | $1,392.5 bn | $1,287.9 bn | |
| 2 | same | Bank of America | NC | $899.7 bn | $876.8 bn | |
| 3 | same | Wells Fargo Bank | SD | $786.2 bn | $723.8 bn | |
| 4 | same | Citibank | SD | $739.5 bn | $672.4 bn | |
| 5 | +1 | U.S. Bank | OH | $282.9 bn | $279.7 bn | |
| 6 | -1 | The Bank of New York Mellon | NY | $254.0 bn | $300.8 bn | |
| 7 | same | State Street Bank and Trust Company | MA | $247.6 bn | $219.3 bn | |
| 8 | same | Goldman Sachs Bank USA | NY | $214.0 bn | $212.1 bn | |
| 9 | same | PNC Bank | DE | $204.9 bn | $199.6 bn | |
| 10 | same | Truist Bank | NC | $188.3 bn | $180.3 bn | |
| 11 | +4 | Morgan Stanley Bank | UT | $118.1 bn | $94.4 bn | |
| 12 | -1 | Fifth Third Bank | OH | $106.9 bn | $111.5 bn | |
| 13 | -1 | Capital One | VA | $106.7 bn | $111.3 bn | |
| 14 | -1 | TD Bank | DE | $103.5 bn | $102.1 bn | |
| 15 | -1 | BMO Bank | IL | $102.3 bn | $101.5 bn | |
| 16 | same | HSBC Bank USA | VA | $96.1 bn | $91.4 bn | |
| 17 | same | Citizens Bank | RI | $89.6 bn | $87.2 bn | |
| 18 | same | Manufacturers and Traders Trust Company | NY | $84.2 bn | $82.3 bn | |
| 19 | same | KeyBank | OH | $82.1 bn | $79.4 bn | |
| 20 | same | The Huntington National Bank | OH | $73.7 bn | $72.3 bn | |
| 21 | same | First-Citizens Bank & Trust Company | NC | $65.1 bn | $65.4 bn | |
| 22 | same | Regions Bank | AL | $51.7 bn | $52.3 bn | |
| 23 | same | Pinnacle Bank | TN | $50.7 bn | $49.0 bn | |
| 24 | same | City National Bank | CA | $45.2 bn | $46.3 bn | |
| 25 | same | The Northern Trust Company | IL | $43.7 bn | $41.6 bn | |
| 26 | +4 | Charles Schwab Bank, SSB | TX | $42.9 bn | $35.4 bn | |
| 27 | same | Morgan Stanley Private Bank | NY | $41.2 bn | $38.9 bn | |
| 28 | same | UBS Bank USA | UT | $40.6 bn | $36.5 bn | |
| 29 | -3 | UMB Bank | MO | $38.2 bn | $39.1 bn | |
| 30 | +1 | East West Bank | CA | $36.2 bn | $35.2 bn | |
| 31 | -2 | Zions Bancorporation | UT | $35.4 bn | $35.9 bn | |
| 32 | +2 | Banco Popular de Puerto Rico | PR | $34.8 bn | $31.7 bn | |
| 33 | -1 | CIBC Bank USA | IL | $33.9 bn | $33.8 bn | |
| 34 | +1 | Western Alliance Bank | AZ | $31.4 bn | $30.4 bn | |
| 35 | -2 | American Express National Bank | UT | $31.2 bn | $33.3 bn | |
| 36 | same | First Horizon Bank | TN | $27.7 bn | $28.0 bn | |
| 37 | same | Santander Bank | DE | $26.9 bn | $27.6 bn | |
| 38 | same | Deutsche Bank Trust Company Americas | NY | $25.7 bn | $25.8 bn | |
| 39 | +1 | Old National Bank | IN | $24.7 bn | $24.1 bn | |
| 40 | -1 | Webster Bank | CT | $24.4 bn | $25.0 bn | |
Rank 1 = highest. Change: places since .
How is estimated uninsured deposits distributed?
The middle half of the estimated uninsured deposits table: between $846.5 mn and $4.2 bn. Top tenth of estimated uninsured deposits: above $15.5 bn; bottom tenth: below $494.3 mn. Far from the rest on estimated uninsured deposits: JPMorgan Chase Bank ($1,392.5 bn); Bank of America ($899.7 bn); Wells Fargo Bank ($786.2 bn); Citibank ($739.5 bn); U.S. Bank ($282.9 bn), and 46 more.
| Size group (total assets) | Banks | Lower quarter | Median | Upper quarter |
|---|---|---|---|---|
| All banks ranked | 500 | $846.5 mn | $1.5 bn | $4.2 bn |
| $1 bn to $10 bn | 339 | $741.3 mn | $1.1 bn | $1.7 bn |
| $10 bn to $100 bn | 126 | $3.6 bn | $6.4 bn | $10.4 bn |
| Over $100 bn | 32 | $42.9 bn | $92.9 bn | $204.9 bn |
What changed since Q1 2026?
The top 25 by estimated uninsured deposits kept the same members as in .
Biggest climbs: Burke & Herbert Bank & Trust Company (209th to 146th); Sunflower Bank (178th to 126th); Community West Bank (331st to 281st); Bank First (284th to 239th); Amboy Bank (306th to 261st).
Biggest drops: Horizon Bank (199th to 264th); Charles Schwab Premier Bank, SSB (413th to 469th); Coastal Community Bank (231st to 280th); Mid Penn Bank (259th to 306th); SoFi Bank (141st to 187th).
How the estimated uninsured deposits ranking is built
Estimated uninsured deposits are the dollar amount of domestic deposits that a bank estimates exceed the FDIC insurance limit of $250,000 per depositor, per ownership category (FDIC field DEPUNA). Caveats: the amount mostly tracks size, so the uninsured share ranking is the better measure of funding risk; the figure is the bank's own estimate; and only banks with $1 bn or more in assets report it.
Questions
Which US bank has the highest estimated uninsured deposits?
JPMorgan Chase Bank, at $1,392.5 bn at , among 500 banks reporting it.
What is the median estimated uninsured deposits of US banks?
$1.5 bn at , against $1.5 bn at .
How is estimated uninsured deposits measured?
Bank's own estimate of uninsured deposits in domestic offices. Required only from banks with $1 bn+ in assets; blank where not reported.
When does the estimated uninsured 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: Uninsured share of domestic 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