D-Rated (Weak) Banks

42 banks · FDIC data from Q2 2024

D-rated banks have Health Scores between 35 and 49, reflecting below-average financial health. These institutions show weakness in multiple key metrics and warrant closer monitoring.

Grade D banks face meaningful pressure on at least one scoring factor — most often elevated NPL ratios or thin profitability. 42 banks hold the grade.

The BankHealth composite weights Tier 1 capital ratio (35%), inverted NPL ratio (30%), liquidity ratio (25%), and return on assets (10%) into a single 0-100 score. For depositors, the grade is a triage signal. FDIC insurance covers deposits up to $250,000 per depositor per insured bank regardless of bank health, so the operational risk for typical depositors is bounded by the insurance limit. Above-limit deposits warrant more careful attention to bank-level health.

A (2,203)B (1,308)C (404)D (42)F (3)

#	Bank	Location	Score	Assets	Tier 1 Capital	NPL Ratio
1	State Bank of Burrton	Burrton, Kansas	49	$12M	10.31%	12.09%
2	Oklahoma Heritage Bank	Roff, Oklahoma	49	$104M	9.32%	1.47%
3	West Town Bank&Trust	North Riverside, Illinois	49	$512M	13.54%	3.93%
4	First FSB of Kentucky	Frankfort, Kentucky	49	$287M	10.22%	1.10%
5	Touchmark National Bank	Alpharetta, Georgia	49	$481M	35.93%	5.70%
6	Prime Security Bank	Karlstad, Minnesota	48	$137M	10.36%	2.52%
7	Peoples Bank of Deer Lodge	Deer Lodge, Montana	48	$44M	10.30%	3.12%
8	Meridian Bank	Wayne, Pennsylvania	48	$2.3B	9.33%	1.84%
9	Currie State Bank	Currie, Minnesota	48	$96M	10.69%	2.52%
10	First Service Bank	Greenbrier, Arkansas	47	$717M	9.71%	1.96%
11	American Bank of Oklahoma	Collinsville, Oklahoma	47	$380M	12.08%	3.00%
12	Aspire Bank	Fargo, North Dakota	47	$67M	8.88%	0.90%
13	Emigrant Bank	Miami, Florida	47	$6.3B	20.08%	4.99%
14	Goldwater Bank N A	Phoenix, Arizona	47	$441M	12.16%	2.69%
15	Cross River Bank	Teaneck, New Jersey	47	$8.8B	11.90%	12.84%
16	First&Peoples Bank&Trust Co	Russell, Kentucky	47	$215M	9.99%	23.38%
17	First Central Bank	Cambridge, Nebraska	46	$132M	12.06%	6.45%
18	Eastern Connecticut Sb	Norwich, Connecticut	46	$267M	10.48%	1.93%
19	Homeland FSB	Columbia, Louisiana	46	$542M	9.24%	1.93%
20	Bank360	Cordell, Oklahoma	46	$60M	8.93%	1.97%
21	First State Bank of Bigfork	Bigfork, Minnesota	45	$104M	11.35%	4.82%
22	Red River State Bank	Halstad, Minnesota	45	$122M	18.48%	9.09%
23	Bank of Eufaula	Eufaula, Oklahoma	45	$102M	9.53%	5.42%
24	United Republic Bank	Elkhorn, Nebraska	45	$210M	11.68%	3.86%
25	Grand Rivers Community Bank	Grand Chain, Illinois	44	$21M	10.96%	5.28%
26	Louisiana National Bank	Ruston, Louisiana	44	$456M	9.42%	2.46%
27	Community B&T West Georgia	Lagrange, Georgia	44	$163M	11.85%	6.78%
28	Carver Federal Savings Bank	New York, New York	44	$749M	11.67%	3.43%
29	First B&T Co of Murphysboro	Murphysboro, Illinois	44	$91M	8.98%	6.82%
30	Headwaters State Bank	Land O' Lakes, Wisconsin	44	$92M	12.41%	7.53%
31	United Bank of Union	Union, Missouri	43	$576M	8.89%	3.28%
32	Bank of Frankewing	Frankewing, Tennessee	43	$549M	9.74%	4.66%
33	First Central Bank Mccook	Mccook, Nebraska	43	$124M	12.34%	7.28%
34	Community Bank Mankato	Vernon Center, Minnesota	43	$546M	9.93%	2.14%
35	Quontic Bank	Astoria, New York	41	$621M	11.83%	4.51%
36	Carter Bank&Trust	Martinsville, Virginia	41	$4.5B	10.86%	8.46%
37	Summit State Bank	Santa Rosa, California	40	$1.1B	10.22%	3.87%
38	Barrington B&T Co NA	Barrington, Illinois	40	$4.2B	11.10%	5.55%
39	Tioga-Franklin Savings Bank	Philadelphia, Pennsylvania	39	$71M	11.64%	10.24%
40	Snb Bank National Assn	Shattuck, Oklahoma	38	$140M	11.08%	4.60%
41	Triad Bank National Assn	Tulsa, Oklahoma	35	$216M	11.32%	7.09%
42	Patriot Bank National Assn	Stamford, Connecticut	35	$1.0B	10.20%	4.88%

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