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ABA: The American Bankers Association
Industry Insight

Uninsured Deposits: The Balance Sheet Blind Spot

  • Brought to you by R&T Deposit Solutions, LLC
  • Published November 19, 2025

Uninsured deposits have moved from a back-burner compliance issue to a primary risk management concern. The 2023 banking crisis highlighted how quickly large commercial balances can disappear when confidence wavers, prompting increased regulatory scrutiny and forcing institutions to reassess their approach to deposits exceeding FDIC insurance coverage limits. Today’s regulatory environment demands more than passive reporting; it requires active management of concentration risk while preserving valuable customer relationships.

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R&T Deposit Solutions, LLC

Reich & Tang is a deposit specialist that provides bank trust/wealth managers with a multi-million dollar FDIC insured alternative to money funds. The program offers clients high levels of FDIC insurance, increased yield potential, decreased risk, and enables banks to access investors’ cash balances as a funding source for the bank.

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