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) is at least 0.5 (50%), and surfaces the top 50 by that share. Field source: FFIEC Call Report Schedule RC-O (the uninsured-deposit estimate, reported under the post-2009 convention at the bank-holding level), converted from the reported percentage to a ratio. The 50% threshold marks majority-uninsured funding — a recognized funding-concentration warning sign in post-2023 bank supervision.