Banks running with majority-uninsured deposit funding in Q4 2025
Banks where the share of uninsured deposits relative to total deposits exceeds the majority-uninsured threshold. Concentration in uninsured deposits is the funding-stability vulnerability that drove regional-bank stress in the post-pandemic banking crisis — depositors above the FDIC insurance limit are flight risks when confidence wavers, and the bank must hold higher-quality liquid assets or pay up for committed funding to compensate.
Methodology
This card ranks banks whose uninsured-deposit share (uninsured deposits ÷ total deposits) meets or exceeds 0.5 (50%) and surfaces the top 50 by absolute share. Field source: FFIEC Call Report Schedule RC-O (uninsured-deposit estimate, post-2009 reporting convention; computed at the bank-holding level). Stored in call_report_bank_specifics.uninsured_deposits_pct as a decimal ratio after normalize-cdr.js divides the percent-form raw value. The 0.5 threshold corresponds to "majority-uninsured" funding — a recognized funding-stability concentration signal under post-2023 bank-supervision practice.