The ratio of uninsured deposits to total deposits held by U.S. commercial banks increased slightly in the fourth quarter of 2025, to 43.3%. This ratio reached a 20-year peak of 47.4% in late 2021, thanks to an influx of COVID-19-related stimulus payments to consumers and businesses and increases in interest rates that made bank deposits more attractive relative to alternatives; before the pandemic, the ratio stood at 43.3% in the fourth quarter of 2019.
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