Banks ranked by deposits above the insured limit

This ranking orders FDIC-insured banks by uninsured deposit share for the latest quarter, with the highest shares first. The share is estimated uninsured deposits divided by total deposits. A high value means a bank relies more on deposits above the FDIC insurance limit. Those depositors could move money quickly when confidence drops, although banks serving businesses naturally carry higher shares. This ranking sorts one ratio. It is not a grade and does not forecast anything.

Each value appears beside the bank’s peer band and metric percentile. Banks are compared only with other banks in the same total-assets band. The percentile is the share of those peers that the bank is safer than on this measure. A lower uninsured share produces a higher percentile. The ranking does not show whether uninsured depositors are stable. It also does not show the bank’s liquidity or capital. The displayed quarter identifies the period covered.

Banks, quarter ending June 30, 2026
#	Bank	State	Uninsured share	Percentile	Grade
1	John Deere Financial, f.s.b.	WI	100.0%	0.0	A92.8
2	Northwestern Mutual Wealth Management	WI	99.9%	0.0	A95.7
3	Stifel Trust Company, National Association	MO	99.9%	0.1	C37.4
4	Stifel Trust Company Delaware, National Association	DE	99.7%	0.1	A90.0
5	First Electronic Bank	UT	98.3%	0.2	A93.4
6	MassMutual Private Wealth & Trust, FSB	MA	97.5%	0.0	A90.2
7	BNY Mellon Trust of Delaware	DE	97.3%	0.1	A86.5
8	Mizuho Bank (USA)	NY	95.0%	0.1	A87.5
9	Sumitomo Mitsui Trust Bank (U.S.A.) Limited	NJ	92.3%	0.2	A93.7
10	Community Federal Savings Bank	NY	92.1%	0.3	D12.3
11	Deutsche Bank Trust Company Delaware	DE	91.7%	0.1	A91.1
12	TIB National Association	TX	91.5%	0.3	A83.1
13	Deutsche Bank Trust Company Americas	NY	91.3%	0.0	B77.8
14	Cenlar FSB	NJ	90.6%	0.3	C36.1
15	Sutton Bank	OH	89.2%	0.4	A89.5
16	Greene County Commercial Bank	NY	88.8%	0.6	C43.0
17	Thrivent Trust Company	WI	87.5%	0.2	A90.8
18	Cedar Hill National Bank	NC	87.5%	0.2	A90.6
19	Column National Association	UT	86.1%	0.7	A87.0
20	Nave Bank	PR	85.3%	0.4	B51.9
21	TCM Bank, National Association	FL	82.7%	0.5	C47.5
22	Bessemer Trust Company, National Association	NY	82.3%	0.8	B77.1
23	North American Banking Company	MN	81.2%	0.9	C28.7
24	Chain Bridge Bank, National Association	VA	80.9%	1.0	C34.5
25	Monet Bank	TX	80.2%	1.1	B65.3
26	Houston Bank & Trust	TX	79.8%	0.3	B74.1
27	Commerce West Bank	CA	79.1%	1.2	D12.2
28	SMBC Manubank	CA	79.0%	1.3	C48.5
29	Pacific Coast Bankers' Bank	CA	78.9%	1.5	D15.9
30	Bessemer Trust Company	NJ	78.5%	1.6	B70.3
31	Wilmington Trust, National Association	DE	77.8%	0.6	A91.8
32	CBW Bank	KS	77.7%	0.3	A82.1
33	Turtle Mountain State Bank	ND	76.3%	0.4	B60.8
34	Liberty Bank of New Jersey	NJ	76.3%	0.5	B69.4
35	State Street Bank and Trust Company	MA	75.9%	0.0	D6.5
36	American Business Bank	CA	75.7%	1.7	C22.4
37	Tolleson Private Bank	TX	72.2%	0.6	D14.7
38	WSB Municipal Bank	NY	71.6%	0.5	A87.0
39	BankMiami	FL	70.8%	0.7	C34.9
40	Bank of Guam	GU	70.6%	1.8	F0.0
41	Bank of Texas	TX	70.3%	0.8	C41.2
42	University Bank	MI	70.2%	1.9	D9.9
43	First National Banker's Bank	LA	69.9%	0.8	C41.2
44	Hana Bank USA, National Association	NJ	69.5%	0.9	B55.2
45	Pegasus Bank	TX	69.4%	2.0	A81.9
46	Country Trust Bank	IL	68.7%	0.6	A91.5
47	Woori America Bank	NY	68.7%	2.1	D10.9
48	The Bank of New York Mellon	NY	68.2%	3.2	C25.8
49	Interstate Bank	TX	68.1%	0.6	F2.9
50	HSBC Bank USA, National Association	VA	68.1%	6.5	B54.8
51	First Century Bank, National Association	GA	67.6%	1.0	A91.6
52	Union Bank and Trust Company	MN	67.4%	0.7	F1.4
53	Florida Capital Bank, National Association	FL	67.2%	1.0	D16.4
54	Bank of the Federated States of Micronesia	FM	67.1%	0.7	C23.7
55	CTBC Bank Corp. (USA)	CA	66.5%	2.4	D12.6
56	ServisFirst Bank	AL	66.4%	0.8	D14.7
57	Valley Bank of Nevada	NV	66.3%	0.8	F4.2
58	Western Commerce Bank	NM	66.1%	1.1	F1.7
59	Atlantic Community Bankers Bank	PA	66.0%	1.2	D9.7
60	CIBC Bank USA	IL	65.9%	1.6	B53.2
61	Patriot Bank, National Association	CT	65.2%	2.5	F1.6
62	Community Bank of the South	FL	64.8%	0.9	C25.5
63	Cass Commercial Bank	MO	64.8%	2.6	A91.1
64	Applied Bank	DE	64.1%	0.9	B68.7
65	West Texas National Bank	TX	64.1%	2.7	C43.0
66	Texas Community Bank	TX	63.9%	2.8	A83.7
67	Bradesco Bank	FL	63.9%	2.9	C25.8
68	First American Trust, FSB	CA	63.8%	3.0	B65.3
69	UMB Bank, National Association	MO	63.6%	2.4	D16.7
70	Bankers' Bank	WI	63.5%	3.1	C30.0
71	Security State Bank	TX	63.4%	3.3	C33.4
72	Cornerstone Community Bank	KY	63.3%	1.0	B74.6
73	Luminate Bank	MN	63.3%	1.3	D17.0
74	Piermont Bank	NY	63.1%	1.3	D19.2
75	Western Bank	NM	62.7%	1.4	C39.4
76	Chester National Bank	IL	62.6%	1.0	D19.9
77	Alpine Capital Bank	NY	62.0%	1.1	C25.1
78	CommerceOne Bank	AL	62.0%	3.4	D16.6
79	Commercial Bank of California	CA	61.9%	3.5	F2.1
80	The First National Bank of Mertzon	TX	61.7%	1.5	B66.1
81	Waterfall Bank	FL	61.5%	1.5	C26.2
82	Benchmark Bank	TX	61.1%	3.6	D7.0
83	Infinity Bank	CA	61.1%	1.6	C39.0
84	WestStar Bank	TX	61.0%	3.7	C36.6
85	Orange Bank & Trust Company	NY	60.8%	3.8	C38.8
86	Integrity Bank SSB	TX	60.7%	1.7	C48.0
87	Zenith Bank & Trust	AZ	60.5%	1.1	C32.1
88	WoodTrust Bank	WI	60.4%	1.7	D18.8
89	Genesis Bank	CA	60.4%	1.8	D17.6
90	Lexicon Bank	NV	60.4%	1.9	C21.4
91	The National Bank of Indianapolis	IN	60.3%	3.9	C49.5
92	BankFlorida	FL	59.9%	2.0	C40.2
93	EverTrust Bank	CA	59.8%	4.0	B63.4
94	Stryv Bank	KS	59.5%	2.0	D9.1
95	Burling Bank	IL	59.3%	1.2	D17.1
96	Banco Popular de Puerto Rico	PR	59.2%	3.2	D10.3
97	Triad Bank	MO	59.2%	4.2	C32.7
98	Five Star Bank	CA	59.2%	4.3	D9.2
99	Midwest Independent BankersBank	MO	59.1%	2.1	B68.0
100	Community Bank of Louisiana	LA	59.1%	2.2	D7.9

How we grade