Some concentration and funding risks are building.

Uninsured-Deposit Share

Uninsured dep.: 40.48% — 40.5% of deposits sit above the FDIC insurance cap — flight-prone if confidence cracks. That’s the 84th percentile of all its readings since 2006.

How we score this: ok below 40.00% · watch 40.00% and up full method

Uninsured dep.: up 4 readings in a row.

Loans-to-Deposits

Loans/dep.: 65.76% — Banks have lent out 66% of deposits — comfortable funding headroom. That’s the 26th percentile of all its readings since 2006.

How we score this: ok below 90.00% · watch 90.00% and up full method

CRE Concentration · % of capital

CRE/capital: 98.80% — Commercial real estate is 99% of capital — a manageable share. That’s the 83rd percentile of all its readings since 2006.

How we score this: ok below 200.00% · watch 200.00% to 300.00% · elevated 300.00% and up full method