Uninsured deposits: Uninsured deposits are the portion of a bank’s deposits sitting above the FDIC limit of $250,000 per depositor, per ownership category, per bank.
How it is calculated
Banks estimate the amount themselves on the call report. Under a quarter of filers report the line at all, because it is required of larger banks, so the quartiles below cover the banks that report it rather than the whole industry.
Formula
Uninsured share = estimated uninsured deposits / total deposits
What banks reported in Q2 2026
Across the banks that report the line, the median estimated uninsured share of deposits was 32.08%, with the middle half between 23.76% and 42.10%. The right comparison is almost always the row for the bank’s own size rather than the industry line.
| Bank size (total assets) | Bottom quartile | Median | Top quartile |
|---|---|---|---|
| $300M - $1B | 11.74% | 20.75% | 25.54% |
| $1B - $3B | 23.48% | 30.30% | 39.71% |
| $3B - $10B | 24.33% | 32.58% | 44.05% |
| $10B - $100B | 28.89% | 38.56% | 47.09% |
| Over $100B | 33.65% | 44.87% | 52.05% |
Source: BankingLens, computed from FFIEC call reports for the quarter ending June 30, 2026. Quartiles are calculated across the full population of filing banks in each size band, not sampled. Non-insured non-deposit trust companies are left out of every statistic: they take no deposits and make no loans, so a margin or a funding cost computed for them has no meaning.
How to read it
This is the line 2023 made famous. Uninsured balances are the ones with a reason to move quickly, so the share is a rough read on how fast a deposit base could leave. Concentration matters more than the percentage: fifty large operating accounts behave very differently from five thousand ordinary ones.
The common mistake. Treating the reported figure as precise. It is the bank’s own estimate, filed by only part of the industry, so it is useful for direction and for peer comparison and not for a headline about dollars at risk at a named bank.
Go deeper
- How much in uninsured deposits is too much?
- BankingLens pricing and what a subscription adds: percentile rank against the bank’s own FFIEC peer group, fourteen quarters of trend, and the flags an examiner reaches for first.
See also. Core deposits, Brokered deposits, Available for sale, FDIC certificate number.
Every figure on this page is computed from FFIEC call reports for the quarter ending June 30, 2026 and is not modeled, estimated or sampled. This page is generated by _tools/seo/build_glossary.mjs and carries no figure that was typed in. See our methodology and disclaimer. Definitions are general guidance, not regulatory or investment advice.