Banks Ranked by Nonperforming Loan Ratio
Top 100 banks · Lowest is best · FDIC data from Q2 2024
The nonperforming loan (NPL) ratio shows what percentage of a bank's loans are in default or close to it. Lower is better — a high NPL ratio signals credit risk and potential losses ahead.
| # | Bank | Location | Grade | Score | Nonperforming Loan Ratio | Assets |
|---|---|---|---|---|---|---|
| 1 | Frederick Community Bank The | Paxton, Illinois | A | 100 | 0.00% | $179M |
| 2 | Arrowhead Bank | Llano, Texas | A | 100 | 0.00% | $287M |
| 3 | Zavala County Bank | Crystal City, Texas | A | 100 | 0.00% | $77M |
| 4 | Comerica B&T NA | Ann Arbor, Michigan | A | 100 | 0.00% | $116M |
| 5 | Western Bank | Artesia, New Mexico | A | 100 | 0.00% | $341M |
| 6 | Boelus State Bank | Boelus, Nebraska | A | 100 | 0.00% | $23M |
| 7 | Texas State Bank | San Angelo, Texas | A | 100 | 0.00% | $402M |
| 8 | Garden Plain State Bank | Wichita, Kansas | A | 100 | 0.00% | $149M |
| 9 | Bessemer Trust Co | Woodbridge, New Jersey | A | 100 | 0.00% | $502M |
| 10 | JPMorgan Chase Bank Dearborn | Dearborn, Michigan | A | 100 | 0.00% | $67M |
| 11 | Mizuho Bank USA | New York, New York | A | 100 | 0.00% | $6.0B |
| 12 | Bessemer Trust Co NA | New York, New York | A | 100 | 0.00% | $2.7B |
| 13 | Summit Bank | Oakland, California | A | 100 | 0.00% | $296M |
| 14 | First Nb Northwest Florida | Panama City, Florida | A | 100 | 0.00% | $176M |
| 15 | Sumitomo Mitsui Tr Bk U Sa | Hoboken, New Jersey | A | 100 | 0.00% | $3.5B |
| 16 | Edward Jones Trust Co | Saint Louis, Missouri | A | 100 | 0.00% | $131M |
| 17 | Big Bend Banks N A | Marfa, Texas | A | 100 | 0.00% | $156M |
| 18 | Stifel Trust Co NA | Saint Louis, Missouri | A | 100 | 0.00% | $889M |
| 19 | Fds Bank | Mason, Ohio | A | 100 | 0.00% | $106M |
| 20 | Credit First National Assn | Brook Park, Ohio | A | 100 | 0.00% | $40M |
| 21 | Applied Bank | Wilmington, Delaware | A | 100 | 0.00% | $218M |
| 22 | Cedar Hill National Bank | Charlotte, North Carolina | A | 100 | 0.00% | $15M |
| 23 | Nationwide Trust Co FSB | Columbus, Ohio | A | 100 | 0.00% | $152M |
| 24 | Thrivent Trust Co | Appleton, Wisconsin | A | 100 | 0.00% | $16M |
| 25 | Capital Bank&Trust Co | Irvine, California | A | 100 | 0.00% | $174M |
| 26 | Alpine Capital Bank | New York, New York | A | 100 | 0.00% | $194M |
| 27 | Sei Private Trust Co | Oaks, Pennsylvania | A | 100 | 0.00% | $236M |
| 28 | Massmutual Trust Co | Windsor, Connecticut | A | 100 | 0.00% | $91M |
| 29 | Davidson Trust Co | Great Falls, Montana | A | 100 | 0.00% | $11M |
| 30 | First Electronic Bank | Salt Lake City, Utah | A | 100 | 0.00% | $429M |
| 31 | Country Trust Bank | Bloomington, Illinois | A | 100 | 0.00% | $35M |
| 32 | First National Bank in Ord | Ord, Nebraska | A | 100 | 0.00% | $150M |
| 33 | Everence Trust Co | Goshen, Indiana | A | 100 | 0.00% | $14M |
| 34 | National Advisors Trust Co | Kansas City, Missouri | A | 100 | 0.00% | $21M |
| 35 | Trinity Bank N A | Fort Worth, Texas | A | 100 | 0.00% | $463M |
| 36 | Emigrant Mercantile Bank | New York, New York | A | 100 | 0.00% | $3M |
| 37 | Bank of Montana | Missoula, Montana | A | 100 | 0.00% | $297M |
| 38 | Chain Bridge Bank NA | Mclean, Virginia | A | 100 | 0.00% | $1.4B |
| 39 | Stifel Trust Co Delaware NA | Greenville, Delaware | A | 100 | 0.00% | $284M |
| 40 | Charles Schwab Trust Bank | Westlake, Texas | A | 100 | 0.00% | $9.5B |
| 41 | Gs&L Municipal Bank | Gouverneur, New York | A | 100 | 0.00% | $31M |
| 42 | Cibc National Trust Co | Atlanta, Georgia | A | 100 | 0.00% | $354M |
| 43 | Hart County Bank&Trust Co | Munfordville, Kentucky | A | 99 | 0.00% | $26M |
| 44 | Security State Bank of Oklee | Oklee, Minnesota | A | 99 | 0.00% | $44M |
| 45 | Columbus State Bank | Columbus, Texas | A | 99 | 0.00% | $152M |
| 46 | First Security Bank-Hendrick | Hendricks, Minnesota | A | 99 | 0.00% | $41M |
| 47 | Haviland State Bank | Haviland, Kansas | A | 99 | 0.00% | $49M |
| 48 | First Kansas Bank | Hoisington, Kansas | A | 99 | 0.00% | $264M |
| 49 | Andes State Bank | Lake Andes, South Dakota | A | 99 | 0.00% | $26M |
| 50 | Kress National Bank | Kress, Texas | A | 99 | 0.00% | $50M |
| 51 | Siouxland Bank | South Sioux City, Nebraska | A | 99 | 0.00% | $83M |
| 52 | Nekoosa Port Edwards Stb | Nekoosa, Wisconsin | A | 99 | 0.00% | $258M |
| 53 | Menard Bank | Menard, Texas | A | 99 | 0.00% | $79M |
| 54 | Citizens Bank of Georgia | Cumming, Georgia | A | 99 | 0.00% | $545M |
| 55 | Truxton Trust Co | Nashville, Tennessee | A | 99 | 0.00% | $983M |
| 56 | Pioneer Commercial Bank | Albany, New York | A | 99 | 0.00% | $494M |
| 57 | Marshall County State Bank | Newfolden, Minnesota | A | 99 | 0.00% | $40M |
| 58 | Kearney Trust Co | Kearney, Missouri | A | 99 | 0.00% | $293M |
| 59 | Peoples State Bank of Colfax | Colfax, Illinois | A | 98 | 0.00% | $44M |
| 60 | First Texas Bank | Georgetown, Texas | A | 98 | 0.00% | $882M |
| 61 | Pointwest Bank | West, Texas | A | 98 | 0.00% | $132M |
| 62 | Mcintosh County Bank | Ashley, North Dakota | A | 98 | 0.00% | $120M |
| 63 | State Bk of Canton Canton Ks | Canton, Kansas | A | 98 | 0.00% | $34M |
| 64 | Strasburg State Bank | Strasburg, North Dakota | A | 98 | 0.00% | $91M |
| 65 | Hawaii National Bank | Honolulu, Hawaii | A | 98 | 0.00% | $826M |
| 66 | Bank of Jackson Hole Trust | Jackson, Wyoming | A | 98 | 0.00% | $41M |
| 67 | Sage Capital Bank | Gonzales, Texas | A | 98 | 0.00% | $664M |
| 68 | Sanger Bank | Sanger, Texas | A | 98 | 0.00% | $200M |
| 69 | Edison National Bank | Fort Myers, Florida | A | 98 | 0.00% | $426M |
| 70 | Century Bank of Georgia | Cartersville, Georgia | A | 98 | 0.00% | $354M |
| 71 | First Nb in Okeene | Okeene, Oklahoma | A | 98 | 0.00% | $81M |
| 72 | First Nb of Louisiana | Crowley, Louisiana | A | 98 | 0.00% | $557M |
| 73 | First Nb in Cimarron | Cimarron, Kansas | A | 98 | 0.00% | $134M |
| 74 | Generations Commercial Bank | Seneca Falls, New York | A | 98 | 0.00% | $19M |
| 75 | Wyoming Bank&Trust | Cheyenne, Wyoming | A | 98 | 0.00% | $301M |
| 76 | Farmers State Bank of Emden | Emden, Illinois | A | 97 | 0.00% | $38M |
| 77 | First State Bank | Ness City, Kansas | A | 97 | 0.00% | $83M |
| 78 | Hill Bank&Trust Co | Weimar, Texas | A | 97 | 0.00% | $149M |
| 79 | Swedish-American State Bank | Courtland, Kansas | A | 97 | 0.00% | $59M |
| 80 | Ipswich State Bank | Ipswich, South Dakota | A | 97 | 0.00% | $67M |
| 81 | Hcn Bank | Riverside, California | A | 97 | 0.00% | $1.0B |
| 82 | Atlantic Cmty Bankers Bank | Camp Hill, Pennsylvania | A | 97 | 0.00% | $915M |
| 83 | First American Trust FSB | Santa Ana, California | A | 97 | 0.00% | $6.4B |
| 84 | First Bank of Celeste | Celeste, Texas | A | 97 | 0.00% | $78M |
| 85 | Bank of Brookhaven | Brookhaven, Mississippi | A | 97 | 0.00% | $233M |
| 86 | First Nb of Sterling City | Sterling City, Texas | A | 97 | 0.00% | $223M |
| 87 | Bank of Clovis | Clovis, New Mexico | A | 97 | 0.00% | $334M |
| 88 | Bank of Grand Lake | Grove, Oklahoma | A | 97 | 0.00% | $249M |
| 89 | Peach State Bank&Trust | Gainesville, Georgia | A | 97 | 0.00% | $779M |
| 90 | Preferred Bank | Rothville, Missouri | A | 96 | 0.00% | $136M |
| 91 | Sainte Marie State Bank | Sainte Marie, Illinois | A | 96 | 0.00% | $15M |
| 92 | Peoples Bank Co | Coldwater, Ohio | A | 96 | 0.00% | $798M |
| 93 | Farmers&Merchants Stb Spring | Springfield, Minnesota | A | 96 | 0.00% | $135M |
| 94 | First Central Nb of St Paris | St. Paris, Ohio | A | 96 | 0.00% | $93M |
| 95 | Boston Trust Walden Co | Boston, Massachusetts | A | 96 | 0.00% | $92M |
| 96 | Citizens Bank of Edinburg | Edinburg, Illinois | A | 96 | 0.00% | $30M |
| 97 | North Cambridge Coop Bank | Cambridge, Massachusetts | A | 96 | 0.00% | $83M |
| 98 | Pee Dee Federal Savings Bank | Marion, South Carolina | A | 96 | 0.00% | $38M |
| 99 | Sewickley Savings Bank | Sewickley, Pennsylvania | A | 96 | 0.00% | $281M |
| 100 | Brady National Bank | Brady, Texas | A | 96 | 0.00% | $137M |