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FDIC Data · 3,960 Banks · Updated Q2 2024

Is Your Bank Safe?

Every FDIC-insured bank in America, graded A through F. Capital ratios, loan quality, liquidity, and profitability, analyzed from quarterly call reports so you don't have to.

3,960
Banks Analyzed
$22.9T
Total Assets
70/100
Avg Health Score
1419
A-Rated Banks

Healthiest Banks in America

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First Security Bank West

Beulah, North Dakota

Score: 100/100$68M assets
A

Frederick Community Bank The

Paxton, Illinois

Score: 100/100$179M assets
A

Welcome State Bank

Welcome, Minnesota

Score: 100/100$40M assets
A

Arrowhead Bank

Llano, Texas

Score: 100/100$287M assets
A

Farmers&Merchants Stb Bloomf

Bloomfield, Nebraska

Score: 100/100$205M assets
A

Alamosa State Bank

Alamosa, Colorado

Score: 100/100$332M assets
A

Zavala County Bank

Crystal City, Texas

Score: 100/100$77M assets
A

Comerica B&T NA

Ann Arbor, Michigan

Score: 100/100$116M assets
A

Commercial Banking Co

Valdosta, Georgia

Score: 100/100$355M assets
A

Bank of Bearden

Bearden, Arkansas

Score: 100/100$69M assets
A

Western Bank

Artesia, New Mexico

Score: 100/100$341M assets
A

Fnbt Bank

Fort Walton Beac, Florida

Score: 100/100$597M assets
A

Banks Showing Weakness

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Kentland Fs&La

Kentland, Indiana

Score: 3/100$3M assets
F

Triad Bank National Assn

Tulsa, Oklahoma

Score: 10/100$216M assets
F

Snb Bank National Assn

Shattuck, Oklahoma

Score: 13/100$140M assets
F

Quontic Bank

Astoria, New York

Score: 14/100$621M assets
F

Kingstree Fs&La

Kingstree, South Carolina

Score: 15/100$41M assets
F

Integro Bank

Phoenix, Arizona

Score: 15/100$67M assets
F

Crown Bank

Elizabeth, New Jersey

Score: 16/100$632M assets
F

Headwaters State Bank

Land O' Lakes, Wisconsin

Score: 16/100$92M assets
F

Browse by Health Grade

A

Grade A

1,419 banks

B

Grade B

901 banks

C

Grade C

1,082 banks

D

Grade D

452 banks

F

Grade F

106 banks

Browse by Bank Size

Mega Banks

13 banks · Avg: 87/100

Large Banks

133 banks · Avg: 79/100

Mid-Size Banks

785 banks · Avg: 72/100

Community Banks

2,406 banks · Avg: 69/100

Small Banks

623 banks · Avg: 68/100

Ranked by Tier 1 Capital Ratio →Ranked by Nonperforming Loan Ratio →Ranked by Liquidity Ratio →Ranked by Return on Assets →

Browse by State

Illinois

333 banks · Avg score: 72

Texas

321 banks · Avg score: 74

Minnesota

225 banks · Avg score: 73

Missouri

193 banks · Avg score: 67

Iowa

162 banks · Avg score: 68

Kansas

159 banks · Avg score: 69

Ohio

144 banks · Avg score: 67

Wisconsin

141 banks · Avg score: 67

Oklahoma

141 banks · Avg score: 64

New York

130 banks · Avg score: 71

Georgia

123 banks · Avg score: 76

California

123 banks · Avg score: 72

Nebraska

120 banks · Avg score: 65

Pennsylvania

119 banks · Avg score: 70

Kentucky

103 banks · Avg score: 72

Massachusetts

97 banks · Avg score: 68

Tennessee

95 banks · Avg score: 70

Louisiana

93 banks · Avg score: 63

Florida

83 banks · Avg score: 74

Alabama

78 banks · Avg score: 66

Indiana

73 banks · Avg score: 70

Michigan

69 banks · Avg score: 73

Colorado

62 banks · Avg score: 71

Arkansas

57 banks · Avg score: 66

North Dakota

55 banks · Avg score: 68

Virginia

49 banks · Avg score: 72

New Jersey

48 banks · Avg score: 72

South Dakota

47 banks · Avg score: 74

Mississippi

45 banks · Avg score: 66

West Virginia

43 banks · Avg score: 64

Utah

41 banks · Avg score: 69

South Carolina

38 banks · Avg score: 74

North Carolina

36 banks · Avg score: 73

Montana

33 banks · Avg score: 69

Washington

30 banks · Avg score: 70

Maryland

28 banks · Avg score: 69

Connecticut

28 banks · Avg score: 64

Delaware

24 banks · Avg score: 72

Wyoming

21 banks · Avg score: 81

New Mexico

20 banks · Avg score: 74

Maine

20 banks · Avg score: 64

New Hampshire

19 banks · Avg score: 68

Nevada

16 banks · Avg score: 63

Arizona

14 banks · Avg score: 60

Oregon

13 banks · Avg score: 69

Vermont

11 banks · Avg score: 75

Idaho

8 banks · Avg score: 80

Hawaii

7 banks · Avg score: 87

Rhode Island

5 banks · Avg score: 62

District of Columbia

4 banks · Avg score: 65

Alaska

4 banks · Avg score: 79

Puerto Rico

4 banks · Avg score: 88

Guam

2 banks · Avg score: 83

Micronesia

1 banks · Avg score: 93

Virgin Islands

1 banks · Avg score: 59

Featured Banks

First Security Bank West

Beulah, North Dakota

Score: 100/100$68M assets
A

Frederick Community Bank The

Paxton, Illinois

Score: 100/100$179M assets
A

Alamosa State Bank

Alamosa, Colorado

Score: 100/100$332M assets
A

Western Bank

Artesia, New Mexico

Score: 100/100$341M assets
A

Bessemer Trust Co

Woodbridge, New Jersey

Score: 100/100$502M assets
A

Grandview Bank

Grandview, Texas

Score: 100/100$642M assets
A

Applied Bank

Wilmington, Delaware

Score: 100/100$218M assets
A

Bryant Bank

Tuscaloosa, Alabama

Score: 100/100$2.5B assets
A

Lake Region Bank

New London, Minnesota

Score: 99/100$137M assets
A

Andes State Bank

Lake Andes, South Dakota

Score: 99/100$26M assets
A

Citizens Bank of Georgia

Cumming, Georgia

Score: 99/100$545M assets
A

Sutton Bank

Attica, Ohio

Score: 99/100$2.2B assets
A

United Bank

Zebulon, Georgia

Score: 98/100$2.1B assets
A

Wyoming Bank&Trust

Cheyenne, Wyoming

Score: 98/100$301M assets
A

Atlantic Cmty Bankers Bank

Camp Hill, Pennsylvania

Score: 97/100$915M assets
A

Progrowth Bank

Nicollet, Minnesota

Score: 97/100$413M assets
A

Frequently Asked Questions

What is a Bank Health Score?

The Bank Health Score rates banks from A (healthiest) to F (weakest) based on four factors from FDIC quarterly call reports: Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). A score of 80 or above earns an A, indicating a well-capitalized bank with low default risk and strong profitability. A score below 35 is an F, flagging potential financial stress. The scoring methodology is designed to surface the same warning signs that federal bank examiners look for during supervisory reviews.

Is my money safe at my bank?

All deposits at FDIC-insured banks are protected up to $250,000 per depositor, per bank, per ownership category. This means a joint account with two owners is insured up to $500,000 at a single bank. Even if a bank receives an F grade, your insured deposits are guaranteed by the full faith and credit of the U.S. government. However, a bank failure can cause temporary disruption to accessing your funds, and any amounts above the FDIC limit are at risk. If you have large balances, consider spreading deposits across multiple FDIC-insured institutions or using CDARS/IntraFi network deposits.

Where does this data come from?

All data comes directly from the FDIC BankFind API, which publishes quarterly call report data filed by every FDIC-insured institution in the United States. Banks are legally required to file these reports (known as FFIEC Call Reports) with detailed financial statements including assets, liabilities, income, loan quality, and capital adequacy. We process, normalize, and score this data within two weeks of each quarterly release. The FDIC dataset covers approximately 4,000 insured institutions ranging from community banks to the largest national banks.

What does Tier 1 Capital Ratio mean?

The Tier 1 capital ratio measures a bank's core equity capital (common stock, disclosed reserves, retained earnings) relative to its risk-weighted assets. Federal regulators consider a bank "well-capitalized" at 8% or above, "adequately capitalized" at 6-8%, and "undercapitalized" below 6%. This ratio is the single most important measure of whether a bank can absorb unexpected losses from bad loans or market downturns without requiring a government bailout or failing. During the 2023 banking crisis, banks with high Tier 1 ratios generally weathered deposit outflows without distress.

What is a nonperforming loan?

A nonperforming loan (NPL) is a loan where the borrower has stopped making scheduled payments for 90 days or more, or where the bank considers the loan unlikely to be repaid. The nonperforming loan ratio measures what percentage of a bank's total loans are in this category. A ratio below 1% is considered healthy, 1-3% indicates moderate credit risk, and above 3% signals significant loan quality problems. Rising NPL ratios are often an early warning sign of financial stress, as they indicate the bank's borrowers are struggling to repay their debts.

How often are bank financials updated?

FDIC-insured banks are required to file quarterly call reports within 30 days after the end of each calendar quarter (March, June, September, December). The FDIC typically publishes the aggregated data about 6-8 weeks after the quarter ends. We process and update our Health Scores within two weeks of each FDIC data release, meaning our data is refreshed approximately four times per year. Between updates, the most recently published quarterly data remains the best available snapshot of each bank's financial condition.