F-Rated (Critical) Banks
3 banks · FDIC data from Q2 2024
F-rated banks have Health Scores below 35, reflecting significant financial stress. These banks show weakness across most key metrics. All FDIC-insured deposits remain protected up to $250,000.
Grade F is the lowest bucket — banks with multiple factors below threshold levels. 3 banks carry this grade, typically operating under enhanced FDIC supervisory attention.
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.
| # | Bank | Location | Score | Assets | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Columbia Savings&Loan Assn | Milwaukee, Wisconsin | 31 | $24M | 12.71% | 7.35% |
| 2 | Kentland Fs&La | Kentland, Indiana | 25 | $3M | 10.08% | 8.97% |
| 3 | Bank of East Asia Ltd | New York, New York | 3 | $403M | Not reported | 15.32% |