Updated April 2026 · FDIC Call Report Q2 2024
Banks Ranked by Liquidity Ratio
Top 100 U.S. banks ranked by liquidity ratio — highest is best. The top 50 average 95.05% on this metric and a composite Bank Health Score of 77/100, sourced from the most recent FDIC quarterly Call Report.
What Liquidity Ratio Measures
The liquidity ratio measures how much of a bank's balance sheet is held in cash and short-dated assets that can meet depositor withdrawals or other obligations without forced sales. The 2023 regional bank failures (SVB, First Republic, Signature) were ultimately liquidity events: the underlying bond holdings were money-good if held to maturity, but couldn't be sold quickly enough at par to meet rapid deposit outflows. Higher is better, particularly for banks with concentrated uninsured deposit bases. The metric is reported as LIQR on the Call Report.
Federal regulators — the FDIC, the OCC, and the Federal Reserve — use this metric (and several others) as part of confidential CAMELS examinations, with the public quarterly Call Report data feeding into supervisory analysis. We use the same public input here, applied with a transparent formula across every FDIC-insured institution.
How to Read the Numbers
How to read this number: above 30% is conservative, 15–30% is typical, and below 10% is concerning, particularly for banks with concentrated uninsured deposit bases. Context matters — a bank with a steady retail deposit base can run lower liquidity than one funded by uninsured commercial deposits or wholesale borrowings. Check the deposit composition on the Call Report Schedule RC-E.
Top Banks by Liquidity Ratio
| # | Bank | Location | Grade | Score | Liquidity Ratio | Assets |
|---|---|---|---|---|---|---|
| 1 | Emigrant Mercantile Bank | New York, New York | A | 100 | 100.00% | $3M |
| 2 | Its Bank | Johnston, Iowa | B | 65 | 99.49% | $34M |
| 3 | Greene Cnty Commercial Bank | Catskill, New York | A | 94 | 98.93% | $1.1B |
| 4 | Wsb Municipal Bank | Watertown, New York | C | 61 | 98.84% | $147M |
| 5 | Citicorp Trust Delaware NA | New Castle, Delaware | B | 65 | 98.65% | $25M |
| 6 | State Street B&T Co of Ca NA | Irvine, California | B | 65 | 98.60% | $9M |
| 7 | U S Bank Trust NA Sd | Sioux Falls, South Dakota | B | 65 | 98.51% | $158M |
| 8 | Generations Commercial Bank | Seneca Falls, New York | A | 98 | 98.28% | $19M |
| 9 | Sumitomo Mitsui Tr Bk U Sa | Hoboken, New Jersey | A | 100 | 98.13% | $3.5B |
| 10 | Deutsche Bank Tr Co Delaware | Newark, Delaware | B | 65 | 97.85% | $132M |
| 11 | BMO Harris Central NA | Roselle, Illinois | A | 94 | 97.80% | $8M |
| 12 | Pioneer Commercial Bank | Albany, New York | A | 99 | 97.73% | $494M |
| 13 | Bessemer Tr Co of Ca NA | San Francisco, California | B | 65 | 97.53% | $15M |
| 14 | Stifel Trust Co NA | Saint Louis, Missouri | A | 100 | 97.34% | $889M |
| 15 | Wells Fargo de Tr Co NA | Wilmington, Delaware | B | 65 | 97.31% | $242M |
| 16 | Depository Trust Co | New York, New York | B | 65 | 97.29% | $5.7B |
| 17 | Charles Schwab Trust Bank | Westlake, Texas | A | 100 | 97.23% | $9.5B |
| 18 | JPMorgan Chase Bank Dearborn | Dearborn, Michigan | A | 100 | 97.12% | $67M |
| 19 | HSBC Trust Co Delaware NA | Wilmington, Delaware | B | 65 | 96.98% | $58M |
| 20 | Key National Tr Co of De | Wilmington, Delaware | B | 65 | 96.74% | $8M |
| 21 | Rockefeller Trust Co NA | New York, New York | B | 65 | 96.67% | $15M |
| 22 | Dsrm National Bank | Albuquerque, New Mexico | B | 65 | 96.67% | $4M |
| 23 | Columbus State Bank | Columbus, Texas | A | 99 | 95.92% | $152M |
| 24 | Stifel Trust Co Delaware NA | Greenville, Delaware | A | 100 | 95.82% | $284M |
| 25 | First American Trust FSB | Santa Ana, California | A | 97 | 95.79% | $6.4B |
| 26 | Young Americans Bank | Denver, Colorado | B | 72 | 95.55% | $17M |
| 27 | U S Bank Trust National Assn | Wilmington, Delaware | B | 65 | 95.45% | $807M |
| 28 | Freeland State Bank | Freeland, Michigan | C | 51 | 94.93% | $52M |
| 29 | Banco de la Nacion Argentina | Buenos Aires, | C | 57 | 94.69% | $419M |
| 30 | Clearpoint Federal B&T | Batesville, Indiana | B | 65 | 94.49% | $121M |
| 31 | Charles Schwab Premier Bk Ss | Westlake, Texas | A | 96 | 94.18% | $25.5B |
| 32 | Trust Co of Toledo NA | Holland, Ohio | B | 65 | 93.93% | $7M |
| 33 | Old Point Trust&Finl Service | Newport News, Virginia | B | 65 | 93.42% | $7M |
| 34 | Ameriprise Bank FSB | Minneapolis, Minnesota | A | 99 | 93.41% | $22.7B |
| 35 | Credit First National Assn | Brook Park, Ohio | A | 100 | 93.09% | $40M |
| 36 | Canandaigua Natl Tr Co of Fl | Sarasota, Florida | B | 65 | 92.86% | $5M |
| 37 | Thrivent Trust Co | Appleton, Wisconsin | A | 100 | 92.81% | $16M |
| 38 | Northwestern Mutual Wealth M | Milwaukee, Wisconsin | B | 65 | 92.68% | $491M |
| 39 | Chicago Trust Co NA | Lake Forest, Illinois | B | 65 | 92.27% | $126M |
| 40 | Edward Jones Trust Co | Saint Louis, Missouri | A | 100 | 92.17% | $131M |
| 41 | Deutsche Bank Trust Co NA | New York, New York | B | 65 | 91.92% | $157M |
| 42 | Adp Trust Co National Assn | Wilmington, Delaware | B | 65 | 91.18% | $44M |
| 43 | Hightower Trust Co NA | Houston, Texas | C | 64 | 91.11% | $18M |
| 44 | Fidelity Personal Tr Co FSB | Merrimack, New Hampshire | B | 65 | 90.81% | $84M |
| 45 | Hill Bank&Trust Co | Weimar, Texas | A | 97 | 90.60% | $149M |
| 46 | First Finl Trust&Asset Mgnt | Abilene, Texas | B | 65 | 90.33% | $64M |
| 47 | Preferred Legacy Natl Tr Bk | Canton, Ohio | C | 55 | 90.08% | $9M |
| 48 | Inspire Trust Co NA | Reno, Nevada | C | 55 | 89.84% | $9M |
| 49 | Davidson Trust Co | Great Falls, Montana | A | 100 | 89.72% | $11M |
| 50 | Dayforce National Trust Bank | Bloomington, Minnesota | B | 65 | 89.52% | $17M |
| 51 | Private Trust Co NA | Cleveland, Ohio | B | 65 | 89.25% | $28M |
| 52 | Bank of Utica | Utica, New York | C | 62 | 88.99% | $1.3B |
| 53 | Cedar Hill National Bank | Charlotte, North Carolina | A | 100 | 88.99% | $15M |
| 54 | Wheaton College Trust Co NA | Wheaton, Illinois | B | 65 | 88.72% | $4M |
| 55 | Evercore Trust Co NA | New York, New York | B | 65 | 88.29% | $14M |
| 56 | Massmutual Trust Co | Windsor, Connecticut | A | 100 | 88.11% | $91M |
| 57 | First Century Bank NA | Commerce, Georgia | B | 65 | 88.10% | $434M |
| 58 | Anchorage Digital Bank NA | Sioux Falls, South Dakota | B | 65 | 87.15% | $52M |
| 59 | First National Bank of Ely | Ely, Nevada | C | 64 | 86.99% | $118M |
| 60 | Fidelity State Bank&Trust Co | Dodge City, Kansas | A | 99 | 86.90% | $198M |
| 61 | Goldman Sachs Tr Co NA The | Wilmington, Delaware | B | 65 | 86.44% | $154M |
| 62 | Fds Bank | Mason, Ohio | A | 100 | 86.26% | $106M |
| 63 | First Nb of Lake Jackson | Lake Jackson, Texas | A | 90 | 86.10% | $236M |
| 64 | Gs&L Municipal Bank | Gouverneur, New York | A | 100 | 85.88% | $31M |
| 65 | Tiaa Trust National Assn | Charlotte, North Carolina | B | 65 | 85.68% | $250M |
| 66 | Plante Moran Trust NA | Southfield, Michigan | B | 65 | 85.36% | $17M |
| 67 | Zavala County Bank | Crystal City, Texas | A | 100 | 84.80% | $77M |
| 68 | First National Bank of Alvin | Alvin, Texas | C | 60 | 84.22% | $154M |
| 69 | Lemont National Bank | Lemont, Illinois | A | 90 | 84.09% | $55M |
| 70 | Cottonwood Valley Bank | Cedar Point, Kansas | C | 59 | 84.03% | $37M |
| 71 | First Nb of Mertzon | Mertzon, Texas | A | 99 | 83.99% | $506M |
| 72 | Menard Bank | Menard, Texas | A | 99 | 83.81% | $79M |
| 73 | First Nb of Sterling City | Sterling City, Texas | A | 97 | 82.99% | $223M |
| 74 | Big Bend Banks N A | Marfa, Texas | A | 100 | 82.33% | $156M |
| 75 | Stafford Savings Bank | Stafford Springs, Connecticut | A | 97 | 82.25% | $415M |
| 76 | Charles Schwab Bank SSB | Westlake, Texas | A | 93 | 81.68% | $273.8B |
| 77 | Nave Bank | San Juan, Puerto Rico | A | 90 | 81.37% | $187M |
| 78 | Wilmington Trust NA | Wilmington, Delaware | B | 77 | 81.16% | $699M |
| 79 | Union County Savings Bank | Elizabeth, New Jersey | A | 88 | 81.14% | $1.5B |
| 80 | Westamerica Bank | San Rafael, California | A | 99 | 80.53% | $6.3B |
| 81 | New Covenant Trust Co NA | Jeffersonville, Indiana | B | 65 | 79.85% | $8M |
| 82 | Mizrahi Tefahot Bank Ltd | Los Angeles, California | C | 56 | 79.69% | $8.9B |
| 83 | Synovus Trust Co NA | Columbus, Georgia | B | 65 | 79.62% | $144M |
| 84 | Donley County State Bank | Clarendon, Texas | A | 94 | 79.11% | $46M |
| 85 | Beal Bank USA | Las Vegas, Nevada | B | 70 | 79.10% | $17.5B |
| 86 | First State Bank of Shelby | Shelby, Montana | C | 55 | 79.04% | $157M |
| 87 | Fayetteville Bank | Fayetteville, Texas | C | 55 | 78.90% | $689M |
| 88 | Zenith Bank&Trust | Scottsdale, Arizona | A | 91 | 78.85% | $63M |
| 89 | Varo Bank National Assn | Draper, Utah | C | 55 | 78.84% | $480M |
| 90 | State Nb of Big Spring | Big Spring, Texas | C | 63 | 78.58% | $555M |
| 91 | Raymond James Trust NA | Saint Petersburg, Florida | B | 65 | 78.38% | $67M |
| 92 | Metropolitan Bank&Trust Co | New York, New York | C | 57 | 78.24% | $34M |
| 93 | Lamesa National Bank | Lamesa, Texas | A | 88 | 77.98% | $384M |
| 94 | American Trust&Savings Bank | Lowden, Iowa | C | 61 | 77.86% | $31M |
| 95 | Sutton Bank | Attica, Ohio | A | 99 | 77.32% | $2.2B |
| 96 | Members Trust Co | Tampa, Florida | C | 55 | 77.26% | $39M |
| 97 | St Landry Bank&Trust Co | Opelousas, Louisiana | A | 85 | 77.24% | $297M |
| 98 | Chain Bridge Bank NA | Mclean, Virginia | A | 100 | 77.14% | $1.4B |
| 99 | Progrowth Bank | Nicollet, Minnesota | A | 97 | 77.01% | $413M |
| 100 | Midland Fs&La | Bridgeview, Illinois | B | 74 | 76.94% | $115M |
Why This Metric Alone Isn't Enough
Liquidity protects against fast-moving stress; capital protects against slow-moving losses. A bank needs both. The 2023 regional bank failures hit institutions with adequate capital but inadequate liquidity to meet rapid deposit outflows. Pair this metric with capital and credit-quality rankings to cross-check.
How These Ranks Are Calculated
We pull the most recent quarterly value of liquidity ratio for every FDIC-insured bank from the FDIC BankFind API, sort by that single value, and surface the top 100. The composite Bank Health Score (also shown on this page) uses a four-factor formula across capital, credit, liquidity, and profitability — full details on the methodology page.
Frequently Asked Questions
What is liquidity ratio?
The liquidity ratio measures how much of a bank's balance sheet is held in cash and short-dated assets that can meet depositor withdrawals or other obligations without forced sales. The 2023 regional bank failures (SVB, First Republic, Signature) were ultimately liquidity events: the underlying bond holdings were money-good if held to maturity, but couldn't be sold quickly enough at par to meet rapid deposit outflows. Higher is better, particularly for banks with concentrated uninsured deposit bases. The metric is reported as LIQR on the Call Report.
How should I read this number?
How to read this number: above 30% is conservative, 15–30% is typical, and below 10% is concerning, particularly for banks with concentrated uninsured deposit bases. Context matters — a bank with a steady retail deposit base can run lower liquidity than one funded by uninsured commercial deposits or wholesale borrowings. Check the deposit composition on the Call Report Schedule RC-E.
What do the top-ranked banks have in common?
Among the top 50 banks on this list, the average liquidity ratio is 95.05% and the average composite Bank Health Score is 77/100. Top performers tend to be conservatively run, well-capitalized, and concentrated in less volatile loan categories. Higher values on this metric usually correlate with stronger overall scores, but the correlation is imperfect — a bank can lead on one metric while lagging on another.
Should I switch banks based on this ranking alone?
No single metric tells the full story of bank safety. Tier 1 capital, NPL ratio, liquidity, and return on assets each measure different aspects of resilience. The composite Bank Health Score combines all four, weighted by how predictive each has historically been. Use this ranking to compare specific dimensions, but consult the full bank profile and the methodology page before drawing conclusions. And remember: FDIC insurance — not the bank's ranking — protects deposits up to $250,000 per depositor, per insured bank, per ownership category.
Where does this data come from?
Every value is pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Specific Call Report field codes used: RBCT1J (Tier 1 capital), NCLNLSR (NPL ratio), LIQR (liquidity), ROAPTX (return on assets). All FDIC and FFIEC data is U.S. government public domain.
Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.
Last updated 2026-04-06 · 100 banks ranked. Informational only; not investment advice.