Updated June 2026 · FDIC Call Report Q2 2024
Healthiest Banks in America
The 100 U.S. banks with the highest Bank Health Scores, ranked from FDIC quarterly Call Report data on capital, loan quality, liquidity, and profitability. The top 50 average a 62.21% Tier 1 capital ratio against the regulatory "well-capitalized" line of 8%, with an NPL ratio of just 0.01%.
What "Healthiest" Measures Here
Bank health, in a regulatory sense, is the ability to absorb losses and meet obligations as they come due. Four numbers do most of the work. Tier 1 capital ratio — core equity capital divided by risk-weighted assets — is what lets a bank survive a wave of loan losses without insolvency; the OCC, FDIC, and Federal Reserve consider 8% the threshold for "well-capitalized." Nonperforming loan ratio shows the share of the loan book in default or near it; below 1% is healthy, above 3% is a stress signal. Liquidity ratio indicates how much of the balance sheet is cash and short-dated assets — what the bank can pay out tomorrow without selling something at a loss. Return on assets rounds it out; sustained ROA above 1% means a bank is generating organic capital rather than depleting it.
All four are reported quarterly to the FDIC on the FFIEC Call Report, and that filing is public. Our composite score blends the four into a 0–100 number with the weights listed in our methodology page. Same formula for every bank in the country, no analyst opinions or marketing inputs.
Top 10 Quick Look
| # | Bank | Location | Tier 1 | NPL | Score |
|---|---|---|---|---|---|
| 1 | First Security Bank West | Beulah, North Dakota | 28.66% | 0.03% | 100 |
| 2 | Frederick Community Bank The | Paxton, Illinois | 18.22% | 0.00% | 100 |
| 3 | First T&Sb of Watseka Il | Watseka, Illinois | 15.62% | 0.05% | 100 |
| 4 | Welcome State Bank | Welcome, Minnesota | 18.84% | 0.02% | 100 |
| 5 | Bank of Southside Virginia | Carson, Virginia | 19.03% | 0.04% | 100 |
| 6 | Arrowhead Bank | Llano, Texas | 17.42% | 0.00% | 100 |
| 7 | Farmers&Merchants Stb Bloomf | Bloomfield, Nebraska | 21.33% | 0.04% | 100 |
| 8 | Wells Fargo Trust Co NA | Ogden, Utah | 96.18% | 0.00% | 100 |
| 9 | Alamosa State Bank | Alamosa, Colorado | 19.91% | 0.00% | 100 |
| 10 | American Interstate Bank | Elkhorn, Nebraska | 18.67% | 0.00% | 100 |
Patterns at the Top
A few structural patterns repeat among the highest-scored banks. They tend to be capital-rich (often 12–15%+ Tier 1, well above the 8% regulatory floor), conservatively underwritten (sub-1% NPL ratio), and overweight liquid assets relative to peers. Many specialize — agricultural banks, trust banks, and minority-deposit institutions show up disproportionately because their loan books are concentrated in less volatile categories than typical commercial real estate.
Geographically, the top 50 cluster: Texas (9), New York (5), Illinois (4), Nebraska (4), California (3) lead the count. Region is partly a story of local economy stability — Midwestern agricultural states and Mountain West communities feature consistently — and partly an artifact of how banks of different sizes file different schedules. Use the community-banks and large-banks tier rankings if you want to compare within a peer group.
Full Top 100 Healthiest Banks
| # | Bank | Location | Grade | Score | Assets | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|---|
| 1 | First Security Bank West | Beulah, North Dakota | A | 100 | $68M | 28.66% | 0.03% |
| 2 | Frederick Community Bank The | Paxton, Illinois | A | 100 | $179M | 18.22% | 0.00% |
| 3 | First T&Sb of Watseka Il | Watseka, Illinois | A | 100 | $315M | 15.62% | 0.05% |
| 4 | Welcome State Bank | Welcome, Minnesota | A | 100 | $40M | 18.84% | 0.02% |
| 5 | Bank of Southside Virginia | Carson, Virginia | A | 100 | $683M | 19.03% | 0.04% |
| 6 | Arrowhead Bank | Llano, Texas | A | 100 | $287M | 17.42% | 0.00% |
| 7 | Farmers&Merchants Stb Bloomf | Bloomfield, Nebraska | A | 100 | $205M | 21.33% | 0.04% |
| 8 | Wells Fargo Trust Co NA | Ogden, Utah | A | 100 | $1.4B | 96.18% | 0.00% |
| 9 | Alamosa State Bank | Alamosa, Colorado | A | 100 | $332M | 19.91% | 0.00% |
| 10 | American Interstate Bank | Elkhorn, Nebraska | A | 100 | $140M | 18.67% | 0.00% |
| 11 | Zavala County Bank | Crystal City, Texas | A | 100 | $77M | 63.42% | 0.00% |
| 12 | Comerica B&T NA | Ann Arbor, Michigan | A | 100 | $116M | 198.62% | 0.00% |
| 13 | Commercial Banking Co | Valdosta, Georgia | A | 100 | $355M | 18.14% | 0.04% |
| 14 | Bank of Bearden | Bearden, Arkansas | A | 100 | $69M | 19.50% | 0.00% |
| 15 | Western Bank | Artesia, New Mexico | A | 100 | $341M | 14.90% | 0.00% |
| 16 | Heritage Bank | Wood River, Nebraska | A | 100 | $573M | 20.09% | 0.00% |
| 17 | Fnbt Bank | Fort Walton Beac, Florida | A | 100 | $597M | 24.62% | 0.01% |
| 18 | Boelus State Bank | Boelus, Nebraska | A | 100 | $23M | 33.37% | 0.00% |
| 19 | Community Bank of Easton | Easton, Illinois | A | 100 | $39M | 25.86% | 0.00% |
| 20 | Texas State Bank | San Angelo, Texas | A | 100 | $402M | 19.41% | 0.00% |
| 21 | Bk San Jacinto Cnty Coldspri | Coldspring, Texas | A | 100 | $46M | 15.11% | 0.00% |
| 22 | Garden Plain State Bank | Wichita, Kansas | A | 100 | $149M | 24.21% | 0.00% |
| 23 | Bessemer Trust Co | Woodbridge, New Jersey | A | 100 | $502M | 33.56% | 0.00% |
| 24 | West Central Georgia Bank | Thomaston, Georgia | A | 100 | $151M | 26.62% | 0.02% |
| 25 | JPMorgan Chase Bank Dearborn | Dearborn, Michigan | A | 100 | $67M | 507.89% | 0.00% |
| 26 | Mizuho Bank USA | New York, New York | A | 100 | $6.0B | 23.00% | 0.00% |
| 27 | Bessemer Trust Co NA | New York, New York | A | 100 | $2.7B | 21.81% | 0.00% |
| 28 | Municipal Trust&Savings Bank | Bourbonnais, Illinois | A | 100 | $357M | 16.53% | 0.00% |
| 29 | Summit Bank | Oakland, California | A | 100 | $296M | 21.55% | 0.00% |
| 30 | Texas Community Bank | Laredo, Texas | A | 100 | $2.0B | 24.72% | 0.04% |
| 31 | State Street B&T Co NA | New York, New York | A | 100 | $42M | 101.99% | 0.00% |
| 32 | First Nb Northwest Florida | Panama City, Florida | A | 100 | $176M | 51.49% | 0.00% |
| 33 | Citicorp Trust Delaware NA | New Castle, Delaware | A | 100 | $25M | 92.95% | 0.00% |
| 34 | Brown Brothers Harriman Tr N | New York, New York | A | 100 | $14M | 59.94% | 0.00% |
| 35 | Haverford Trust Co | Radnor, Pennsylvania | A | 100 | $174M | 20.60% | 0.00% |
| 36 | Deutsche Bank Tr Co Delaware | Newark, Delaware | A | 100 | $132M | 95.79% | 0.00% |
| 37 | State Street B&T Co of Ca NA | Irvine, California | A | 100 | $9M | 100.35% | 0.00% |
| 38 | Rockefeller Trust Co NA | New York, New York | A | 100 | $15M | 89.63% | 0.00% |
| 39 | Deutsche Bank National Tr Co | Los Angeles, California | A | 100 | $432M | 58.66% | 0.00% |
| 40 | Sumitomo Mitsui Tr Bk U Sa | Hoboken, New Jersey | A | 100 | $3.5B | 35.47% | 0.00% |
| 41 | Associated Trust Co NA | Milwaukee, Wisconsin | A | 100 | $82M | 88.08% | 0.00% |
| 42 | First Financial Trust NA | Wakefield, Massachusetts | A | 100 | $16M | 88.41% | 0.00% |
| 43 | Edward Jones Trust Co | Saint Louis, Missouri | A | 100 | $131M | 351.19% | 0.00% |
| 44 | Citizens Nb of Crosbyton | Crosbyton, Texas | A | 100 | $65M | 17.35% | 0.00% |
| 45 | Titan Bank N A | Mineral Wells, Texas | A | 100 | $578M | 22.90% | 0.07% |
| 46 | Grandview Bank | Grandview, Texas | A | 100 | $642M | 16.21% | 0.02% |
| 47 | Big Bend Banks N A | Marfa, Texas | A | 100 | $156M | 38.37% | 0.00% |
| 48 | Trust Co of Toledo NA | Holland, Ohio | A | 100 | $7M | 100.58% | 0.00% |
| 49 | Stifel Trust Co NA | Saint Louis, Missouri | A | 100 | $889M | 31.85% | 0.00% |
| 50 | Fds Bank | Mason, Ohio | A | 100 | $106M | 221.69% | 0.00% |
| 51 | Credit First National Assn | Brook Park, Ohio | A | 100 | $40M | 367.61% | 0.00% |
| 52 | Raymond James Trust NA | Saint Petersburg, Florida | A | 100 | $67M | 85.98% | 0.00% |
| 53 | Synovus Trust Co NA | Columbus, Georgia | A | 100 | $144M | 96.98% | 0.00% |
| 54 | Deutsche Bank Trust Co NA | New York, New York | A | 100 | $157M | 93.38% | 0.00% |
| 55 | Private Trust Co NA | Cleveland, Ohio | A | 100 | $28M | 91.88% | 0.00% |
| 56 | Applied Bank | Wilmington, Delaware | A | 100 | $218M | 78.80% | 0.00% |
| 57 | Dsrm National Bank | Albuquerque, New Mexico | A | 100 | $4M | 85.14% | 0.00% |
| 58 | First Command Bank | Fort Worth, Texas | A | 100 | $1.0B | 17.44% | 0.07% |
| 59 | Wells Fargo de Tr Co NA | Wilmington, Delaware | A | 100 | $242M | 100.44% | 0.00% |
| 60 | Cedar Hill National Bank | Charlotte, North Carolina | A | 100 | $15M | 96.96% | 0.00% |
| 61 | U S Bank Trust Co NA | Portland, Oregon | A | 100 | $2.2B | 89.18% | 0.00% |
| 62 | Macatawa Bank | Holland, Michigan | A | 100 | $2.7B | 18.04% | 0.01% |
| 63 | Its Bank | Johnston, Iowa | A | 100 | $34M | 105.42% | 0.00% |
| 64 | Computershare Trust Co NA | Canton, Massachusetts | A | 100 | $1.1B | 71.29% | 0.00% |
| 65 | Nationwide Trust Co FSB | Columbus, Ohio | A | 100 | $152M | 95.00% | 0.00% |
| 66 | New Covenant Trust Co NA | Jeffersonville, Indiana | A | 100 | $8M | 87.02% | 0.00% |
| 67 | Clearpoint Federal B&T | Batesville, Indiana | A | 100 | $121M | 18.11% | 0.00% |
| 68 | Thrivent Trust Co | Appleton, Wisconsin | A | 100 | $16M | 288.00% | 0.00% |
| 69 | U S Bank Trust NA Sd | Sioux Falls, South Dakota | A | 100 | $158M | 100.48% | 0.00% |
| 70 | Chicago Trust Co NA | Lake Forest, Illinois | A | 100 | $126M | 99.66% | 0.00% |
| 71 | Philadelphia Trust Co | Philadelphia, Pennsylvania | A | 100 | $25M | 70.06% | 0.00% |
| 72 | Capital Bank&Trust Co | Irvine, California | A | 100 | $174M | 190.32% | 0.00% |
| 73 | Fidelity Personal Tr Co FSB | Merrimack, New Hampshire | A | 100 | $84M | 100.50% | 0.00% |
| 74 | Old Point Trust&Finl Service | Newport News, Virginia | A | 100 | $7M | 88.48% | 0.00% |
| 75 | Glenmede Trust Co NA | Philadelphia, Pennsylvania | A | 100 | $180M | 44.52% | 0.00% |
| 76 | Alpine Capital Bank | New York, New York | A | 100 | $194M | 57.19% | 0.00% |
| 77 | Sei Private Trust Co | Oaks, Pennsylvania | A | 100 | $236M | 349.87% | 0.00% |
| 78 | Massmutual Trust Co | Windsor, Connecticut | A | 100 | $91M | 51.17% | 0.00% |
| 79 | Bessemer Tr Co of Ca NA | San Francisco, California | A | 100 | $15M | 99.11% | 0.00% |
| 80 | Davidson Trust Co | Great Falls, Montana | A | 100 | $11M | 195.89% | 0.00% |
| 81 | First Electronic Bank | Salt Lake City, Utah | A | 100 | $429M | 62.24% | 0.00% |
| 82 | Country Trust Bank | Bloomington, Illinois | A | 100 | $35M | 117.02% | 0.00% |
| 83 | Minden Exchange B&T Co | Minden, Nebraska | A | 100 | $185M | 19.76% | 0.01% |
| 84 | First National Bank in Ord | Ord, Nebraska | A | 100 | $150M | 21.22% | 0.00% |
| 85 | First Nb of Stanton | Stanton, Texas | A | 100 | $375M | 32.47% | 0.00% |
| 86 | U S Bank Trust National Assn | Wilmington, Delaware | A | 100 | $807M | 98.96% | 0.00% |
| 87 | Security National Trust Co | Wheeling, West Virginia | A | 100 | $8M | 101.17% | 0.00% |
| 88 | Northwestern Mutual Wealth M | Milwaukee, Wisconsin | A | 100 | $491M | 58.86% | 0.00% |
| 89 | Everence Trust Co | Goshen, Indiana | A | 100 | $14M | 138.45% | 0.00% |
| 90 | First Century Bank NA | Commerce, Georgia | A | 100 | $434M | 18.49% | 0.05% |
| 91 | Wheaton College Trust Co NA | Wheaton, Illinois | A | 100 | $4M | 95.88% | 0.00% |
| 92 | National Advisors Trust Co | Kansas City, Missouri | A | 100 | $21M | 280.61% | 0.00% |
| 93 | First Community Trust NA | Dubuque, Iowa | A | 100 | $14M | 91.45% | 0.00% |
| 94 | Amg National Trust Bank | Boulder, Colorado | A | 100 | $660M | 18.59% | 0.03% |
| 95 | Vanguard National Tr Co NA | Malvern, Pennsylvania | A | 100 | $144M | 57.57% | 0.00% |
| 96 | Goldman Sachs Tr Co NA The | Wilmington, Delaware | A | 100 | $154M | 84.88% | 0.00% |
| 97 | Legacy Trust Co N A | Houston, Texas | A | 100 | $34M | 82.72% | 0.00% |
| 98 | Cetera Trust Co NA | St. Paul, Minnesota | A | 100 | $17M | 87.57% | 0.00% |
| 99 | Plante Moran Trust NA | Southfield, Michigan | A | 100 | $17M | 86.36% | 0.00% |
| 100 | Trinity Bank N A | Fort Worth, Texas | A | 100 | $463M | 16.20% | 0.00% |
How These Ranks Are Calculated
For every FDIC-insured bank, we pull the latest quarterly Call Report and compute four sub-scores: Tier 1 capital strength, nonperforming-loan inverted score, liquidity adequacy, and return on assets. The composite is 35% / 30% / 25% / 10% respectively, scaled to 0–100 and assigned a letter grade A–F. Rankings sort by composite score, with capital ratio as the tiebreaker. Read the full methodology for the field codes and scoring curves used.
Frequently Asked Questions
What does "healthiest" mean in this ranking?
Each bank earns a Bank Health Score from four quantitative inputs in its most recent FDIC Call Report: Tier 1 capital ratio (35% of the score), nonperforming loan ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The top 100 banks below post the strongest combined readings across all four. The top 50 average a Tier 1 capital ratio of 62.21%, an NPL ratio of 0.01%, and a liquidity ratio of 60.00% — all materially better than industry medians. The score is mechanical: same formula, same weights, every bank.
Does this list include the biggest U.S. banks?
Not necessarily. The score rewards balance sheet strength relative to risk-weighted assets, not size. In the current top 100, 0 banks hold $10B+ in assets (large/super-regional), 9 hold $1B–$10B (mid-size), and 91 are community banks with under $1B. Many of the highest scorers are smaller, specialized institutions — a community bank concentrated in stable agricultural lending often outscores a megabank carrying material office-CRE exposure. Look at <Link>by-size</Link> rankings if you want a fair comparison within your bank's peer group.
Are these rankings updated as new FDIC data comes out?
Yes. Rankings are recomputed every time the FDIC publishes a new quarterly Call Report cycle (typically four times a year, roughly 60 days after each calendar quarter ends). The current ranking uses report date Q2 2024, refreshed June 2026. Quarter-to-quarter movement is normal — a bank can drop several places on a single quarter's loan-loss provisions, then recover the next.
Does a high score mean my deposits are guaranteed?
No. FDIC insurance — not the bank's health score — is what guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Even if a top-ranked bank were to fail (rare but not impossible), insured deposits would be protected. The Bank Health Score is a relative ranking of how unlikely a bank is to face stress, not a guarantee of safety. Verify your bank's FDIC insurance and your coverage limits at FDIC.gov directly.
Where does the underlying data come from?
Every input is sourced from the FDIC BankFind API, which pulls directly from quarterly Call Reports filed with the FFIEC. Specific Call Report fields used: RBCT1J (Tier 1 risk-based capital ratio), NCLNLSR (noncurrent loans to total loans), LIQR (liquidity ratio), and ROAPTX (return on assets, pretax). All FDIC and FFIEC data is U.S. government public domain. We do not estimate or model unreported figures.
Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.
Last updated 2026-06-29 · Ranking covers 100 banks. This page is informational and is not investment advice; verify FDIC insurance limits at FDIC.gov.
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