With growing concerns about unrealized losses on investment securities and commercial real estate loans, the risk of a depositor run on banks, similar to what crippled three banks last year, grows each day, according to an analysis from a finance expert at Florida Atlantic University.

A large percentage of banks with more than $1 billion in assets reported a ratio of uninsured deposits to total deposits of greater than 50% during the first quarter. Banks that report a ratio greater than 50% are considered to have an elevated risk of a run by uninsured depositors.

Of 1,028 banks with more than $1 billion in assets, 94 had a ratio of 50% or higher, according to the Liquidity Risk from Exposures to Uninsured Deposits index. About seven of 33 banks that had more than $100 billion in assets are above that threshold. Topping the list of banks with a 100% ratio of uninsured deposits was The Bank of New York Mellon, followed by State Street Bank at 92.6%; Northern Trust at 73.9%; Citibank at 72.5%; HSBC Bank at 69.8%; J.P Morgan Chase at 51.7% and U.S. Bank at 50.4%.