Deposits Grew for the Eighth Straight Quarter. All of the Growth Was Over $250,000.

EVERYWHERE (Sept. 29, 2026) — EveryBank's domestic deposits rose $33.7 million, or 0.8%. Uninsured deposits rose $74.7 million, and insured deposits fell $41.1 million. The entire increase, and then some, came from balances above the $250,000 limit.

Q2 2026	Mean	Median
Change in domestic deposits	+$33.7M	+$1.1M
Uninsured share of deposits	45.7%	24.8%
Brokered deposits	$289.6M	$0
Brokered share of deposits	6.5%	0.0%
Banks with any brokered deposits	45.6%	—

Uninsured money is not bad money. It's payroll accounts, municipal funds, and businesses that need more than a quarter million in checking to operate. It's also the money that leaves first when confidence cracks, which everyone relearned in 2023.

Brokered deposits are rented funding. They're gathered through a third party, and they're loyal until someone offers five more basis points. EveryBank also borrowed more from the Federal Home Loan Banks this quarter, and 52.5% of banks now carry advances.

"Deposits went up. My confidence that they stay went sideways. I'd call it a range."

— Perry Sentyle (%), Chief Risk Officer

"The Median knows most of its depositors, and a fair number of them know its board."

— Claude, Head of Investor & Public Relations

Uninsured deposits are each bank's own estimate where it reports one, and otherwise the amount above $250,000 in its larger accounts.