Liquidity Risk from Exposures to Uninsured Deposits (2024)

Liquidity Risk from Exposures to Uninsured Deposits (1)

Home Bank Exposures Commercial Real Estate Unrealized Losses on Investment Securities Screener Uninsured Deposits

Three of the largest four bank failures in U.S. history occurred during 2023 (Silicon Valley Bank, Signature Bank, and First Republic Bank) and were precipitated by the rapid withdrawals of uninsured deposits following the news of these banks' adverse risk exposures and weaknesses. With growing concerns about unrealized losses on investment securities and commercial real estate loans, the risk of yet another depositor run on one or more of these institutions grows each day.

Each U.S. bank with more than $1 billion in assets must report the dollar amount of uninsured deposits and the dollar amount of total deposits in quarterly filings with its regulators. Using regulatory data, we calculate each bank’s exposure to uninsured deposits as the dollar amount of uninsured deposits as a percentage of its total deposits.

Banks reporting a ratio of uninsured deposits to total deposits greater than 50% are at an elevated risk of a run by uninsured depositors.

This quarterly ongoing project is part of the Banking Initiative at Florida Atlantic University, sponsored by Executive Education.

Obs Name ST Total Assets (Millions) Total Domestic Deposits (Millions) Uninsured Deposits (Millions) Percent Uninsured
1 BANK OF NEW YORK MELLON, THE NY 357,477,000 213,534,000 213,534,000 100.0
2 JOHN DEERE FINANCIAL, F.S.B. WI 3,426,925 1,281,847 1,281,597 100.0
3 DEUTSCHE BANK TRUST COMPANY AM NY 38,920,000 26,750,000 26,015,000 97.3
4 STATE STREET BANK AND TRUST CO MA 333,667,000 190,845,000 176,734,000 92.6
5 SUMITOMO MITSUI TRUST BANK (U. NJ 3,427,848 2,946,342 2,712,655 92.1
6 GREENE COUNTY COMMERCIAL BANK NY 1,256,243 1,161,108 1,060,931 91.4
7 BESSEMER TRUST COMPANY, N.A. NY 2,699,359 1,820,252 1,544,000 84.8
8 COMMERCEWEST BANK CA 1,099,243 963,325 798,503 82.9
9 COLUMBIA BANK NJ 10,310,306 7,701,712 6,249,637 81.1
10 CONNECTONE BANK NJ 9,845,796 7,622,191 6,108,775 80.1
11 TIB, NATIONAL ASSOCIATION TX 2,970,559 2,525,574 2,008,509 79.5
12 BANK OF GUAM GU 2,553,805 1,896,778 1,470,076 77.5
13 FIRST STATE BANK OF UVALDE TX 1,916,102 1,762,770 1,351,976 76.7
14 PACIFIC COAST BANKERS' BANK CA 1,214,539 476,054 361,997 76.0
15 NORTH AMERICAN BANKING COMPANY MN 1,266,770 1,114,189 839,645 75.4
16 NORTHERN TRUST COMPANY, THE IL 155,572,769 49,223,919 36,379,128 73.9
17 AMERICAN BUSINESS BANK CA 3,876,175 3,309,015 2,430,863 73.5
18 CITIBANK, N.A. SD ########### 764,688,000 554,704,000 72.5
19 BANK OF UTAH UT 3,008,314 2,248,912 1,630,781 72.5
20 HSBC BANK USA, NATIONAL ASSOCI VA 163,070,236 129,548,803 90,428,950 69.8
21 CASS COMMERCIAL BANK MO 1,344,302 1,148,528 785,127 68.4
22 UMB BANK, NATIONAL ASSOCIATION MO 45,065,965 37,046,616 25,266,117 68.2
23 PEGASUS BANK TX 1,253,688 1,122,729 764,989 68.1
24 MIZUHO BANK (USA) NY 5,885,686 4,656,103 3,123,817 67.1
25 SERVISFIRST BANK AL 15,720,721 12,774,398 8,423,217 65.9
26 OPEN BANK CA 2,234,400 1,896,319 1,248,644 65.8
27 CHAIN BRIDGE BANK, NATIONAL AS VA 1,233,771 1,135,877 744,551 65.5
28 BNY MELLON, NATIONAL ASSOCIATI PA 30,932,000 25,734,000 16,851,000 65.5
29 SIGNATURE BANK IL 1,920,803 1,639,966 1,064,491 64.9
30 FIRST PREMIER BANK SD 3,133,857 2,630,826 1,695,005 64.4
31 CIBC BANK USA IL 55,048,496 43,630,143 27,781,405 63.7
32 CTBC BANK CORP. (USA) CA 5,260,458 4,528,104 2,872,325 63.4
33 OAKWORTH CAPITAL BANK AL 1,598,899 1,439,211 903,923 62.8
34 FIRST AMERICAN TRUST, FSB CA 5,946,532 5,747,861 3,584,883 62.4
35 UNITED TEXAS BANK TX 1,119,346 724,675 449,342 62.0
36 CITIZENS BUSINESS BANK CA 16,476,335 11,943,928 7,248,739 60.7
37 NATIONAL COOPERATIVE BANK, N.A OH 3,730,166 3,056,465 1,846,412 60.4
38 TEXAS SECURITY BANK TX 1,177,257 934,917 562,041 60.1
39 COMMERCIAL BANK OF CALIFORNIA CA 2,438,690 1,997,268 1,197,238 59.9
40 WEST TEXAS NATIONAL BANK TX 2,417,528 2,178,574 1,292,525 59.3
41 TEXAS COMMUNITY BANK TX 1,949,331 1,686,163 999,355 59.3
42 LIBERTY BANK AND TRUST COMPANY LA 1,039,195 913,875 538,595 58.9
43 NATIONAL BANK OF INDIANAPOLIS, IN 2,931,904 2,691,881 1,582,130 58.8
44 CITIZENS ALLIANCE BANK MN 1,543,511 1,318,025 770,475 58.5
45 SECURITY NATIONAL BANK OF OMAH NE 1,707,621 1,437,129 834,073 58.0
46 BANCO POPULAR DE PUERTO RICO PR 57,114,000 53,041,000 30,488,000 57.5
47 LONE STAR STATE BANK OF WEST T TX 1,383,765 1,241,928 710,340 57.2
48 BANKERS' BANK WI 1,476,255 875,108 496,694 56.8
49 SUTTON BANK OH 2,054,081 1,868,683 1,052,922 56.3
50 CITY NATIONAL BANK CA 92,425,114 76,789,550 43,264,420 56.3
51 LONE STAR NATIONAL BANK TX 2,868,155 2,537,501 1,428,445 56.3
52 FIVE STAR BANK CA 3,476,132 2,964,783 1,644,962 55.5
53 TROY BANK & TRUST COMPANY AL 1,514,834 1,360,408 754,001 55.4
54 AMALGAMATED BANK NY 8,147,454 7,347,804 4,069,379 55.4
55 FIRST NATIONAL BANK OF LONG IS NY 4,254,785 3,328,612 1,834,216 55.1
56 UNIBANK FOR SAVINGS MA 2,599,798 2,263,908 1,241,765 54.9
57 FFB BANK CA 1,393,059 1,202,451 657,712 54.7
58 WOORI AMERICA BANK NY 3,328,684 2,798,358 1,529,292 54.7
59 FIRST AMERICAN BANK IL 7,186,282 4,815,573 2,630,285 54.6
60 U.S. CENTURY BANK FL 2,488,336 2,112,234 1,150,157 54.5
61 BANK OF HAWAII HI 23,389,344 19,418,064 10,562,219 54.4
62 STELLAR BANK TX 10,718,502 8,829,915 4,802,017 54.4
63 PEOPLES BANK OF ALABAMA AL 1,310,967 1,196,365 650,622 54.4
64 FIRST HAWAIIAN BANK HI 24,278,265 18,675,746 10,143,783 54.3
65 LAKE CITY BANK IN 6,561,893 5,621,074 3,033,129 54.0
66 FIRST UNITED BANK TX 2,142,473 1,815,054 971,963 53.6
67 WASHINGTON TRUST BANK WA 10,929,896 7,990,445 4,269,655 53.4
68 WESTSTAR BANK TX 3,095,461 2,507,486 1,339,546 53.4
69 INTERAUDI BANK NY 2,240,280 1,952,585 1,040,216 53.3
70 BEAL BANK USA NV 18,030,977 6,017,429 3,191,277 53.0
71 SUNWEST BANK UT 3,232,434 2,562,755 1,357,335 53.0
72 BRADESCO BANK FL 4,282,284 3,679,381 1,947,296 52.9
73 BANK OF TAMPA, THE FL 3,062,692 2,817,973 1,479,648 52.5
74 BRYANT BANK AL 2,459,926 1,944,299 1,014,324 52.2
75 EAST WEST BANK CA 70,747,599 55,615,906 29,006,693 52.2
76 OCEANFIRST BANK, NATIONAL ASSO NJ 13,309,822 10,300,518 5,364,513 52.1
77 CACHE VALLEY BANK UT 2,901,555 2,548,890 1,325,951 52.0
78 FROST BANK TX 49,567,514 41,246,014 21,378,776 51.8
79 PROVIDENT BANK NJ 14,125,178 10,149,254 5,257,121 51.8
80 JPMORGAN CHASE BANK, NATIONAL OH ########### 2,061,107,000 1,066,445,000 51.7
81 FARMERS AND MERCHANTS BANK OF CA 12,191,083 8,597,629 4,442,077 51.7
82 UNITED SECURITY BANK CA 1,206,817 958,905 493,910 51.5
83 JEFFERSON BANK TX 2,913,826 2,592,473 1,335,019 51.5
84 ORIENTAL BANK PR 11,027,291 9,561,804 4,890,958 51.2
85 CARROLLTON BANK IL 3,457,881 3,172,846 1,621,296 51.1
86 HORIZON BANK, SSB TX 2,305,675 1,986,697 1,014,789 51.1
87 ORANGE BANK & TRUST COMPANY NY 2,443,138 2,153,147 1,099,411 51.1
88 NORTHWEST BANK ID 1,390,699 1,103,560 562,332 51.0
89 SHINHAN BANK AMERICA NY 1,841,066 1,531,713 780,467 51.0
90 BOKF, NATIONAL ASSOCIATION OK 49,947,764 35,671,838 18,160,840 50.9
91 TEXAS PARTNERS BANK TX 2,240,666 2,028,498 1,024,117 50.5
92 U.S. BANK NATIONAL ASSOCIATION OH 669,425,523 532,825,419 268,490,311 50.4
93 BENCHMARK BANK TX 1,117,658 995,961 501,136 50.3
94 GROVE BANK & TRUST FL 1,137,842 871,115 437,927 50.3
95 HELM BANK USA FL 1,044,175 951,976 475,486 49.9
96 CITY NATIONAL BANK OF FLORIDA FL 26,126,524 21,061,087 10,495,005 49.8
97 VILLAGE BANK, THE MA 1,946,483 1,705,636 849,905 49.8
98 WEST BANK IA 3,960,858 3,070,735 1,525,923 49.7
99 BANKERS TRUST COMPANY IA 6,718,502 5,144,374 2,553,069 49.6
100 DALLAS CAPITAL BANK, NATIONAL TX 1,148,473 837,331 414,446 49.5

Liquidity Risk from Exposures to Uninsured Deposits (2024)

References

Top Articles
Latest Posts
Article information

Author: Catherine Tremblay

Last Updated:

Views: 5668

Rating: 4.7 / 5 (67 voted)

Reviews: 82% of readers found this page helpful

Author information

Name: Catherine Tremblay

Birthday: 1999-09-23

Address: Suite 461 73643 Sherril Loaf, Dickinsonland, AZ 47941-2379

Phone: +2678139151039

Job: International Administration Supervisor

Hobby: Dowsing, Snowboarding, Rowing, Beekeeping, Calligraphy, Shooting, Air sports

Introduction: My name is Catherine Tremblay, I am a precious, perfect, tasty, enthusiastic, inexpensive, vast, kind person who loves writing and wants to share my knowledge and understanding with you.