Banks Ranked by Liquidity Ratio
Top 100 banks · Highest is best · FDIC data from Q2 2024
The liquidity ratio measures how much cash and liquid assets a bank holds relative to its obligations. Higher is better — banks with strong liquidity can meet withdrawal demands without selling assets at a loss.
| # | 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 |