How is Estimated uninsured to domestic deposits calculated?

RC-O RCON5597 / RC RCON2200. Null policy: abstain if missing.

What source schedule does Estimated uninsured to domestic deposits come from?

RC, per official FFIEC Call Report instructions.

Liquidity & funding · Versioned metric research

Estimated uninsured to domestic deposits

Domestic deposits including territories; estimated numerator includes accrued unpaid interest. Quarter-end reported balances. Source evidence: metric-source-contract-validation.json SHA256 38fdaa264d855efba9eacd852269d1d5ed33a76f4620c7726d21828dfb5e9a7d Open official FFIEC instructions ↗

v3 definition42 quarters986 current observationsRATIO unit

Calculation contract

`RC-O RCON5597 / RC RCON2200`

Source schedule: RC

Null policy: abstain if missing

Effective: 2016-03-31 to 2026-06-30

How every metric is acquired, derived, and validated →

Definition history

Earlier versions of this metric

Each version is a distinct, dated definition — values are never silently recomputed under an older definition.

v2 · 2016-03-31 to 2026-06-30: RC-O RCON5597 / RC RCON2200Null policy: abstain if missing
v1 · 2016-01-01 to superseded: RC-O 5597 / RC-E 2200Null policy: abstain if missing

Reading this page

Percentiles describe position, not merit.

P10 through P90 below mark where 986 banks' reported estimated uninsured to domestic deposits values fell for 2026-06-30 — the median (P50) splits that group in half; it is not a target. The trend chart above follows that median quarter to quarter, and the distribution chart traces the full P10–P90 band. A higher or lower reported value is not labeled favorable or unfavorable here — that depends on the metric, the institution's business model, and context this page does not assert.

Accessible line chart

Estimated uninsured to domestic deposits — covered-bank median

View chart data as a table

Period	Value	Revision	Event
2016-09-30	39.038 percent	No marker	None
2016-12-31	40.382 percent	No marker	None
2017-03-31	38.928 percent	No marker	None
2017-06-30	39.817 percent	No marker	None
2017-09-30	39.531 percent	No marker	None
2017-12-31	40.526 percent	No marker	None
2018-03-31	39.104 percent	No marker	None
2018-06-30	38.334 percent	No marker	None
2018-09-30	38.334 percent	No marker	None
2018-12-31	38.249 percent	No marker	None
2019-03-31	37.094 percent	No marker	None
2019-06-30	36.62 percent	No marker	None
2019-09-30	36.994 percent	No marker	None
2019-12-31	37.464 percent	No marker	None
2020-03-31	37.864 percent	No marker	None
2020-06-30	40.729 percent	No marker	None
2020-09-30	41.879 percent	No marker	None
2020-12-31	43.369 percent	No marker	None
2021-03-31	43.529 percent	No marker	None
2021-06-30	45.044 percent	No marker	None
2021-09-30	45.42 percent	No marker	None
2021-12-31	45.729 percent	No marker	None
2022-03-31	45.116 percent	No marker	None
2022-06-30	44.806 percent	No marker	None
2022-09-30	44.33 percent	No marker	None
2022-12-31	42.792 percent	No marker	None
2023-03-31	38.479 percent	No marker	None
2023-06-30	36.42 percent	No marker	None
2023-09-30	37.1 percent	No marker	None
2023-12-31	37.073 percent	No marker	None
2024-03-31	37.406 percent	No marker	None
2024-06-30	37.505 percent	No marker	None
2024-09-30	38.041 percent	No marker	None
2024-12-31	38.266 percent	No marker	None
2025-03-31	38.678 percent	No marker	None
2025-06-30	39.261 percent	No marker	None
2025-09-30	31.899 percent	No marker	None
2025-12-31	32.402 percent	No marker	None
2026-03-31	32.108 percent	No marker	None
2026-06-30	32.236 percent	No marker	None

Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Color is supplemented by shape and labels; reduced-motion users receive no chart animation.

Historical distribution

Estimated uninsured to domestic deposits across covered banks

Median with interquartile and P10–P90 ranges across verified observations.

2026-06-30 latest period986 observations32.24% median23.88%–42.36% interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-06-30	986	15.63%	23.88%	32.24%	42.36%	51.47%
2026-03-31	1,000	15.97%	23.74%	32.11%	42.16%	50.21%
2025-12-31	969	15.70%	23.52%	32.40%	42.06%	51.74%
2025-09-30	979	15.66%	23.48%	31.90%	41.65%	51.13%
2025-06-30	153	13.65%	27.81%	39.26%	47.94%	55.81%
2025-03-31	157	10.86%	27.43%	38.68%	47.27%	55.90%
2024-12-31	158	9.19%	27.07%	38.27%	47.55%	56.28%
2024-09-30	157	11.29%	27.57%	38.04%	46.50%	55.03%
2024-06-30	155	11.06%	26.18%	37.51%	45.89%	53.65%
2024-03-31	157	10.44%	26.07%	37.41%	46.23%	53.79%
2023-12-31	157	10.11%	25.78%	37.07%	46.31%	54.14%
2023-09-30	155	8.24%	24.75%	37.10%	45.34%	54.00%
2023-06-30	155	8.58%	24.53%	36.42%	45.44%	52.58%
2023-03-31	159	9.36%	27.74%	38.48%	48.92%	53.95%
2022-12-31	157	9.55%	33.22%	42.79%	53.09%	64.20%
2022-09-30	158	11.18%	32.95%	44.33%	55.67%	70.39%
2022-06-30	159	12.28%	33.91%	44.81%	55.81%	70.15%
2022-03-31	160	13.06%	33.88%	45.12%	55.76%	68.87%
2021-12-31	160	13.79%	34.14%	45.73%	57.13%	71.03%
2021-09-30	162	12.67%	32.73%	45.42%	56.91%	69.12%
2021-06-30	160	15.19%	32.42%	45.04%	56.50%	69.39%
2021-03-31	158	15.05%	31.88%	43.53%	55.00%	66.58%
2020-12-31	150	12.22%	30.10%	43.37%	54.56%	67.08%
2020-09-30	150	10.91%	28.01%	41.88%	54.18%	65.79%
2020-06-30	147	10.56%	27.26%	40.73%	53.42%	64.11%
2020-03-31	143	10.02%	25.70%	37.86%	52.36%	63.08%
2019-12-31	140	9.72%	24.84%	37.46%	51.70%	63.33%
2019-09-30	143	9.41%	25.20%	36.99%	51.96%	63.70%
2019-06-30	141	8.37%	23.74%	36.62%	50.77%	62.20%
2019-03-31	141	8.33%	24.03%	37.09%	49.41%	64.45%
2018-12-31	136	11.66%	26.32%	38.25%	51.10%	64.79%
2018-09-30	137	12.52%	27.03%	38.33%	51.99%	62.56%
2018-06-30	134	11.88%	26.21%	38.33%	50.80%	64.84%
2018-03-31	132	11.11%	26.92%	39.10%	50.69%	65.75%
2017-12-31	123	8.26%	27.28%	40.53%	51.97%	67.63%
2017-09-30	125	8.21%	25.87%	39.53%	50.90%	66.65%
2017-06-30	121	9.36%	25.92%	39.82%	50.73%	66.69%
2017-03-31	118	9.51%	25.43%	38.93%	51.83%	68.12%
2016-12-31	114	8.74%	24.86%	40.38%	52.68%	66.05%
2016-09-30	114	9.08%	25.17%	39.04%	51.17%	65.45%

Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Population can change with filings, failures, mergers and eligibility. Missing values are excluded, never converted to zero.

Current distribution

Percentile history

Percentiles exclude unavailable values; they do not convert missing observations to zero.

Period	Population	P10	P25	Median	P75	P90
2026-06-30	986	15.63%	23.88%	32.24%	42.36%	51.47%
2026-03-31	1000	15.97%	23.74%	32.11%	42.16%	50.21%
2025-12-31	969	15.70%	23.52%	32.40%	42.06%	51.74%
2025-09-30	979	15.66%	23.48%	31.90%	41.65%	51.13%
2025-06-30	153	13.65%	27.81%	39.26%	47.94%	55.81%
2025-03-31	157	10.86%	27.43%	38.68%	47.27%	55.90%
2024-12-31	158	9.19%	27.07%	38.27%	47.55%	56.28%
2024-09-30	157	11.29%	27.57%	38.04%	46.50%	55.03%
2024-06-30	155	11.06%	26.18%	37.51%	45.89%	53.65%
2024-03-31	157	10.44%	26.07%	37.41%	46.23%	53.79%
2023-12-31	157	10.11%	25.78%	37.07%	46.31%	54.14%
2023-09-30	155	8.24%	24.75%	37.10%	45.34%	54.00%
2023-06-30	155	8.58%	24.53%	36.42%	45.44%	52.58%
2023-03-31	159	9.36%	27.74%	38.48%	48.92%	53.95%
2022-12-31	157	9.55%	33.22%	42.79%	53.09%	64.20%
2022-09-30	158	11.18%	32.95%	44.33%	55.67%	70.39%
2022-06-30	159	12.28%	33.91%	44.81%	55.81%	70.15%
2022-03-31	160	13.06%	33.88%	45.12%	55.76%	68.87%
2021-12-31	160	13.79%	34.14%	45.73%	57.13%	71.03%
2021-09-30	162	12.67%	32.73%	45.42%	56.91%	69.12%
2021-06-30	160	15.19%	32.42%	45.04%	56.50%	69.39%
2021-03-31	158	15.05%	31.88%	43.53%	55.00%	66.58%
2020-12-31	150	12.22%	30.10%	43.37%	54.56%	67.08%
2020-09-30	150	10.91%	28.01%	41.88%	54.18%	65.79%
2020-06-30	147	10.56%	27.26%	40.73%	53.42%	64.11%
2020-03-31	143	10.02%	25.70%	37.86%	52.36%	63.08%
2019-12-31	140	9.72%	24.84%	37.46%	51.70%	63.33%
2019-09-30	143	9.41%	25.20%	36.99%	51.96%	63.70%
2019-06-30	141	8.37%	23.74%	36.62%	50.77%	62.20%
2019-03-31	141	8.33%	24.03%	37.09%	49.41%	64.45%
2018-12-31	136	11.66%	26.32%	38.25%	51.10%	64.79%
2018-09-30	137	12.52%	27.03%	38.33%	51.99%	62.56%
2018-06-30	134	11.88%	26.21%	38.33%	50.80%	64.84%
2018-03-31	132	11.11%	26.92%	39.10%	50.69%	65.75%
2017-12-31	123	8.26%	27.28%	40.53%	51.97%	67.63%
2017-09-30	125	8.21%	25.87%	39.53%	50.90%	66.65%
2017-06-30	121	9.36%	25.92%	39.82%	50.73%	66.69%
2017-03-31	118	9.51%	25.43%	38.93%	51.83%	68.12%
2016-12-31	114	8.74%	24.86%	40.38%	52.68%	66.05%
2016-09-30	114	9.08%	25.17%	39.04%	51.17%	65.45%
2016-06-30	112	8.33%	24.81%	38.65%	52.19%	67.43%
2016-03-31	109	7.54%	22.65%	38.02%	52.08%	66.68%

Institution drilldown

Highest reported values

Institution drilldown

Lowest reported values

#9771ST FINANCIAL BANK USA2.05%
#978NELNET BANK1.63%
#979CHARLES SCHWAB PREMIER BK SS1.56%
#980WELLS FARGO NB WEST1.55%
#981AMERIPRISE BANK FSB1.54%
#982TEXAS EXCHANGE BANK1.30%
#983TD BANK USA NATIONAL ASSN1.28%
#984COMENITY BANK1.04%
#985WELLS FARGO BANK S CNTL NA0.46%
#986MEDALLION BANK0.24%

Institution discovery

Search verified rankings by quarter

986 matched institutions · selected period 2026-06-30

Reporting quarterBank name or FDIC certificateOrder

Rank	Institution	FDIC	Value	Percentile
#1	JOHN DEERE FINANCIAL FSB	35237	100.00%	P100
#2	BANK OF NEW YORK MELLON	639	99.26%	P100
#3	BANK OF GUAM	20884	95.89%	P100
#4	MIZUHO BANK USA	21843	95.02%	P100
#5	SUMITOMO MITSUI TR BK U SA	27054	92.29%	P100
#6	TIB NATIONAL ASSN	23647	91.45%	P99
#7	DEUTSCHE BANK TR CO AMERICAS	623	91.30%	P99
#8	SUTTON BANK	5962	89.24%	P99
#9	GREENE CNTY COMMERCIAL BANK	57710	88.78%	P99
#10	CITIBANK NATIONAL ASSN	7213	82.47%	P99
#11	BESSEMER TRUST CO NA	21868	82.33%	P99
#12	NORTH AMERICAN BANKING CO	34836	81.22%	P99
#13	CHAIN BRIDGE BANK NA	58595	80.87%	P99
#14	MONET BANK	32574	80.17%	P99
#15	COMMERCE WEST BANK	57176	79.13%	P99
#16	SMBC MANUBANK	18618	79.00%	P98
#17	PACIFIC COAST BANKERS BANK	34252	78.86%	P98
#18	BESSEMER TRUST CO	20015	78.46%	P98
#19	NORTHERN TRUST CO	913	76.66%	P98
#20	AMERICAN BUSINESS BANK	34788	75.74%	P98
#21	HSBC BANK USA NATIONAL ASSN	57890	71.29%	P98
#22	UNIVERSITY BANK	14587	70.16%	P98
#23	PEGASUS BANK	58483	69.41%	P98
#24	WOORI AMERICA BANK	24920	68.67%	P98
#25	SIGNATURE BANK	58264	68.45%	P98
#26	CTBC BANK CORP USA	19416	66.55%	P97
#27	SERVISFIRST BANK	57993	66.41%	P97
#28	CIBC BANK USA	33306	65.90%	P97
#29	CASS COMMERCIAL BANK	1068	64.76%	P97
#30	WEST TEXAS NATIONAL BANK	22957	64.10%	P97
#31	TEXAS COMMUNITY BANK	24563	63.90%	P97
#32	BRADESCO BANK	21265	63.89%	P97
#33	FIRST AMERICAN TRUST FSB	26312	63.84%	P97
#34	UMB BANK NATIONAL ASSN	8273	63.56%	P97
#35	BANKERS BANK	23537	63.46%	P97
#36	JPMORGAN CHASE BANK NA	628	62.53%	P96
#37	BANESCO USA	57815	62.37%	P96
#38	COMMERCIAL BANK OF CA	57417	61.85%	P96
#39	BENCHMARK BANK	19215	61.13%	P96
#40	WESTSTAR BANK	32941	61.03%	P96
#41	ORANGE BANK&TRUST CO	12944	60.78%	P96
#42	NATIONAL BANK OF INPOLIS	33860	60.27%	P96
#43	EVERTRUST BANK	34010	59.82%	P96
#44	BANCO POPULAR DE PUERTO RICO	34968	59.76%	P96
#45	FIVE STAR BANK	35361	59.15%	P96
#46	SIGNATURE BANK NATIONAL ASSN	57269	59.00%	P95
#47	LONE STAR NATIONAL BANK	24347	58.85%	P95
#48	STELLAR BANK	58629	58.47%	P95
#49	FIRST STATE BANK OF UVALDE	9978	58.34%	P95
#50	BANKUNITED NATIONAL ASSN	58979	57.91%	P95

Related metrics

Other definitions from the same schedule or domain

Grouped by shared source schedule where derivable, otherwise by the same analytical domain — not a claim of statistical correlation.

Reported values and deterministic derived observations are research inputs, not ratings or predictions. Cohort composition changes over time; use peer reports for a controlled cohort comparison.