liquidity

Estimated Uninsured Deposit Ratio

Estimated uninsured deposits as a percentage of total deposits.

As of Q1 2026FDICDEPUNINSFDICDEPSource retrieved 2026-08-01

National median

24.46%

Middle half

16.74%33.28%

Direction

Lower is favorable

What it means

Why this metric matters

Uninsured depositors may have stronger incentives to move funds during uncertainty. The ratio does not measure actual runoff, but it identifies potential funding sensitivity.

How it is calculated

estimated_uninsured_dep / NULLIF(total_deposits, 0) * 100

Source fields: DEPUNINS + DEP. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

4,245 observations · Q1 2026

10th percentile

10.79%

25th percentile

16.74%

Median

24.46%

75th percentile

33.28%

90th percentile

44.23%

Quartile markers use every reported value. For readability, values outside the first and ninety-ninth percentiles are collected into the two end bars; rankings retain the exact reported values.

Reported extremes