Image
Image
27-29 May, 2025
Image 27-29 May, 2025

Las Vegas, NV

Skip to content
Subscribe
  • Home
  • Services
  • Video
  • Events
Subscribe

Reading

$7 Trillion of U.S. Bank Deposits Are Uninsured
News Markets

$7 Trillion of U.S. Bank Deposits Are Uninsured

Uninsured bank deposits in America currently exceed $7 trillion according to latest calculatios. The amount of uninsured deposits with US banks is approximately three times the market capitalization of Apple or equivalent to 30% of the US GDP.
Alex Lari
By: Alex Lari
Apr 15, 2023
3 min read
$7 Trillion of U.S. Bank Deposits Are Uninsured

Uninsured bank deposits in America currently exceed $7 trillion according to latest calculatios.

The amount of uninsured deposits with US banks is approximately three times the market capitalization of Apple or equivalent to 30% of the US GDP.

These uninsured deposits are those which surpass the $250,000 limit insured by the FDIC, accounting for approximately 40% of all bank deposits. Following the fallout of Silicon Valley Bank (SVB), data from S&P Global reveals the top 30 US banks with the highest percentage of uninsured deposits.

top-us-uninsured

Recently, SVB and Signature Bank have gone under rapidly, as investors and depositors tried to pull out money simultaneously following news of the banks’ mismanagement.

BNY Mellon and State Street Bank are currently the leading active banks with the highest levels of uninsured deposits in the U.S., followed by JP Morgan. They are considered systemically important banks and as the largest custodian banks in the country, they are expected to safeguard assets and perform asset transfers for investment managers.

SVB stands out from the other banks on the list in terms of the proportion of loans and held-to-maturity securities they have as a percentage of total deposits. SVB has over 94% of its deposits in the form of loans, while BNY Mellon and State Street Bank have only 31% and 40% of their deposits in loans, respectively.

Held-to-maturity securities are a bigger concern for banks as they pose greater risks. Since interest rates have surged, many of these securities have lost their value. 

This poses interest-rate risks to banks. For instance, the value of long-term U.S. treasuries fell by about 30% in 2022. If a bank sells these assets before maturity, it could face significant losses.

Out of all the banks on the list, 11 of them have loans and held-to-maturity assets that make up more than 90% of the total value of their deposits.

It seems like the U.S. banking system is literally between a rock and a hard place. The Fed may have no other option than to “save the banks”.

Stay on top of Bitcoin
news, get weekly updates
in your inbox.

Recommended News

Markets
Markets
Blackstone, World’s Largest Alternative Asset Manager, Invests in IBIT
May 22, 2025
3 min read
By: Alex Lari
Markets
Markets
Twenty One Capital Becomes 3rd-Largest Corporate Holder of Bitcoin
May 15, 2025
2 min read
By: Alex Lari
Markets
Markets
Trump-Backed American Bitcoin to Go Public Via Merger with Gryphon
May 14, 2025
3 min read
By: Alex Lari
All News
Accelerating Adoption
News
  • Adoption
  • Legal
  • Markets
  • Mining
  • Opinion
  • Press Release
  • Learn
  • Sponsored
Company
  • About Us
  • Brand Assets
  • Newsletter
  • Services
  • Site Map
  • Terms & Privacy
Connect
  • Contact Us
  • Contribute
  • Services
  • Media Partner
  • RSS
  • Videos
Social Media
  • Twitter
  • YouTube
  • Telegram
  • LinkedIn
  • Instagram
  • Nostr
  • TikTok
  • Flipboard

© A Bitcoin-Focused Company | 256 Media, 2024

Language Switcher
Search
  • News
    • Adoption
    • Legal
    • Markets
    • Mining
    • Opinion
    • Press Release
    • Learn
    • Interviews
  • Services
  • Video
  • Events
  • News
    • Adoption
    • Interviews
    • Learn
    • Legal
    • Markets
    • Mining
    • Opinion
    • Press Release
  • About Us
  • Contact
  • Newsletter
Search

Popular Articles

JD Vance in Las Vegas: “100 Million Americans will Hold Bitcoin”
May 30, 2025 · 4 min
Trump Media Will Raise $2.5 Billion to Build Bitcoin Treasury
May 29, 2025 · 3 min
Blockstream Unveils “Future of Finance Runs on Bitcoin” Vision
May 28, 2025 · 5 min
Michael Saylor Says Proof-of-Reserves is a Bad Idea
May 28, 2025 · 3 min
Sati Unlocks Lightning for 1.5M Xverse Users
May 27, 2025 · 3 min
Bitcoin 2025 Conference Kicks off in Las Vegas Today
May 27, 2025 · 3 min

Bitcoin Only
Newsletter

Get weekly news roundups direct to your inbox!