Bank of New York Mellon Time Deposits, at or Above FDIC Insurance Limit increased by 4.8% to $2.20B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 4.8%, from $2.10B to $2.20B. Over 5 years (FY 2020 to FY 2025), Time Deposits, at or Above FDIC Insurance Limit shows an upward trend with a 12.9% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
A higher proportion of uninsured deposits increases the bank's liquidity risk, as these depositors are more likely to withdraw funds during periods of market stress.
The portion of time deposits held by the bank that exceeds the standard FDIC insurance coverage limit per depositor. The...
A standard measure of funding risk and deposit stickiness across the banking industry.
other_time_deposits_at_or_above_fdic_insurance_limit| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | $549.00M | $1.40B | $1.50B | $2.10B | $2.20B |
| QoQ Change | — | +155.0% | +7.1% | +40.0% | +4.8% |
| YoY Change | — | +155.0% | +7.1% | +40.0% | +4.8% |