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.

Loans-to-Deposits

Loans/dep.: 65.76% — Banks have lent out 66% of deposits — comfortable funding headroom.

CRE Concentration · % of capital

CRE/capital: 98.80% — Commercial real estate is 99% of capital — a manageable share.