Updated April 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 97.22% 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	Welcome State Bank	Welcome, Minnesota	18.84%	0.02%	100
4	Arrowhead Bank	Llano, Texas	17.42%	0.00%	100
5	Farmers&Merchants Stb Bloomf	Bloomfield, Nebraska	21.33%	0.04%	100
6	Alamosa State Bank	Alamosa, Colorado	19.91%	0.00%	100
7	Zavala County Bank	Crystal City, Texas	63.42%	0.00%	100
8	Comerica B&T NA	Ann Arbor, Michigan	198.62%	0.00%	100
9	Commercial Banking Co	Valdosta, Georgia	18.14%	0.04%	100
10	Bank of Bearden	Bearden, Arkansas	19.50%	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 (10), New York (4), Nebraska (3), Michigan (3), Missouri (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	Welcome State Bank	Welcome, Minnesota	A	100	$40M	18.84%	0.02%
4	Arrowhead Bank	Llano, Texas	A	100	$287M	17.42%	0.00%
5	Farmers&Merchants Stb Bloomf	Bloomfield, Nebraska	A	100	$205M	21.33%	0.04%
6	Alamosa State Bank	Alamosa, Colorado	A	100	$332M	19.91%	0.00%
7	Zavala County Bank	Crystal City, Texas	A	100	$77M	63.42%	0.00%
8	Comerica B&T NA	Ann Arbor, Michigan	A	100	$116M	198.62%	0.00%
9	Commercial Banking Co	Valdosta, Georgia	A	100	$355M	18.14%	0.04%
10	Bank of Bearden	Bearden, Arkansas	A	100	$69M	19.50%	0.00%
11	Western Bank	Artesia, New Mexico	A	100	$341M	14.90%	0.00%
12	Fnbt Bank	Fort Walton Beac, Florida	A	100	$597M	24.62%	0.01%
13	Boelus State Bank	Boelus, Nebraska	A	100	$23M	33.37%	0.00%
14	Texas State Bank	San Angelo, Texas	A	100	$402M	19.41%	0.00%
15	Garden Plain State Bank	Wichita, Kansas	A	100	$149M	24.21%	0.00%
16	Bessemer Trust Co	Woodbridge, New Jersey	A	100	$502M	33.56%	0.00%
17	JPMorgan Chase Bank Dearborn	Dearborn, Michigan	A	100	$67M	507.89%	0.00%
18	Mizuho Bank USA	New York, New York	A	100	$6.0B	23.00%	0.00%
19	Bessemer Trust Co NA	New York, New York	A	100	$2.7B	21.81%	0.00%
20	Summit Bank	Oakland, California	A	100	$296M	21.55%	0.00%
21	Texas Community Bank	Laredo, Texas	A	100	$2.0B	24.72%	0.04%
22	First Nb Northwest Florida	Panama City, Florida	A	100	$176M	51.49%	0.00%
23	Sumitomo Mitsui Tr Bk U Sa	Hoboken, New Jersey	A	100	$3.5B	35.47%	0.00%
24	Edward Jones Trust Co	Saint Louis, Missouri	A	100	$131M	351.19%	0.00%
25	Titan Bank N A	Mineral Wells, Texas	A	100	$578M	22.90%	0.07%
26	Grandview Bank	Grandview, Texas	A	100	$642M	16.21%	0.02%
27	Big Bend Banks N A	Marfa, Texas	A	100	$156M	38.37%	0.00%
28	Stifel Trust Co NA	Saint Louis, Missouri	A	100	$889M	31.85%	0.00%
29	Fds Bank	Mason, Ohio	A	100	$106M	221.69%	0.00%
30	Credit First National Assn	Brook Park, Ohio	A	100	$40M	367.61%	0.00%
31	Applied Bank	Wilmington, Delaware	A	100	$218M	78.80%	0.00%
32	First Command Bank	Fort Worth, Texas	A	100	$1.0B	17.44%	0.07%
33	Cedar Hill National Bank	Charlotte, North Carolina	A	100	$15M	96.96%	0.00%
34	Macatawa Bank	Holland, Michigan	A	100	$2.7B	18.04%	0.01%
35	Nationwide Trust Co FSB	Columbus, Ohio	A	100	$152M	95.00%	0.00%
36	Thrivent Trust Co	Appleton, Wisconsin	A	100	$16M	288.00%	0.00%
37	Capital Bank&Trust Co	Irvine, California	A	100	$174M	190.32%	0.00%
38	Alpine Capital Bank	New York, New York	A	100	$194M	57.19%	0.00%
39	Sei Private Trust Co	Oaks, Pennsylvania	A	100	$236M	349.87%	0.00%
40	Massmutual Trust Co	Windsor, Connecticut	A	100	$91M	51.17%	0.00%
41	Davidson Trust Co	Great Falls, Montana	A	100	$11M	195.89%	0.00%
42	First Electronic Bank	Salt Lake City, Utah	A	100	$429M	62.24%	0.00%
43	Country Trust Bank	Bloomington, Illinois	A	100	$35M	117.02%	0.00%
44	First National Bank in Ord	Ord, Nebraska	A	100	$150M	21.22%	0.00%
45	First Nb of Stanton	Stanton, Texas	A	100	$375M	32.47%	0.00%
46	Everence Trust Co	Goshen, Indiana	A	100	$14M	138.45%	0.00%
47	National Advisors Trust Co	Kansas City, Missouri	A	100	$21M	280.61%	0.00%
48	Amg National Trust Bank	Boulder, Colorado	A	100	$660M	18.59%	0.03%
49	Trinity Bank N A	Fort Worth, Texas	A	100	$463M	16.20%	0.00%
50	Emigrant Mercantile Bank	New York, New York	A	100	$3M	425.61%	0.00%
51	Bryant Bank	Tuscaloosa, Alabama	A	100	$2.5B	18.33%	0.07%
52	Bank of Montana	Missoula, Montana	A	100	$297M	31.00%	0.00%
53	Chain Bridge Bank NA	Mclean, Virginia	A	100	$1.4B	28.76%	0.00%
54	Stifel Trust Co Delaware NA	Greenville, Delaware	A	100	$284M	45.70%	0.00%
55	Charles Schwab Trust Bank	Westlake, Texas	A	100	$9.5B	92.79%	0.00%
56	Gs&L Municipal Bank	Gouverneur, New York	A	100	$31M	152.56%	0.00%
57	Adrian Bank	Adrian, Missouri	A	100	$178M	20.60%	0.02%
58	Cibc National Trust Co	Atlanta, Georgia	A	100	$354M	216.31%	0.00%
59	Hart County Bank&Trust Co	Munfordville, Kentucky	A	99	$26M	38.42%	0.00%
60	Fidelity State Bank&Trust Co	Dodge City, Kansas	A	99	$198M	128.61%	0.14%
61	Lake Region Bank	New London, Minnesota	A	99	$137M	23.38%	0.04%
62	Security State Bank of Oklee	Oklee, Minnesota	A	99	$44M	42.35%	0.00%
63	Farmers&Merchants Stb Bushne	Bushnell, Illinois	A	99	$85M	19.54%	0.09%
64	Franklin State Bank&Trust Co	Winnsboro, Louisiana	A	99	$205M	19.74%	0.20%
65	Columbus State Bank	Columbus, Texas	A	99	$152M	32.00%	0.00%
66	Citizens Nb of Quitman	Quitman, Georgia	A	99	$120M	19.26%	0.07%
67	Northern State Bank	Ashland, Wisconsin	A	99	$303M	17.21%	0.10%
68	Durden Banking Co INC	Twin City, Georgia	A	99	$279M	22.69%	0.21%
69	Citizens Bank of Americus	Americus, Georgia	A	99	$426M	15.84%	0.09%
70	First Security Bank-Hendrick	Hendricks, Minnesota	A	99	$41M	27.71%	0.00%
71	Richland State Bank	Bruce, South Dakota	A	99	$42M	26.76%	0.24%
72	Community 1st Bank Las Vegas	Las Vegas, New Mexico	A	99	$238M	17.76%	0.01%
73	Haviland State Bank	Haviland, Kansas	A	99	$49M	19.93%	0.00%
74	Farmers Bank&Trust	Great Bend, Kansas	A	99	$1.1B	23.80%	0.02%
75	First Kansas Bank	Hoisington, Kansas	A	99	$264M	18.65%	0.00%
76	Andes State Bank	Lake Andes, South Dakota	A	99	$26M	25.61%	0.00%
77	Kress National Bank	Kress, Texas	A	99	$50M	24.10%	0.00%
78	Centinel Bank of Taos	Taos, New Mexico	A	99	$405M	23.98%	0.03%
79	First Nb of Waynesboro	Waynesboro, Georgia	A	99	$208M	30.95%	0.21%
80	Bank of the Southwest	Roswell, New Mexico	A	99	$178M	16.05%	0.13%
81	Community Bank of Raymore	Raymore, Missouri	A	99	$351M	19.94%	0.12%
82	Siouxland Bank	South Sioux City, Nebraska	A	99	$83M	28.33%	0.00%
83	Tib National Assn	Farmers Branch, Texas	A	99	$2.9B	17.31%	0.02%
84	Nekoosa Port Edwards Stb	Nekoosa, Wisconsin	A	99	$258M	27.25%	0.00%
85	First Nb of Dublin	Dublin, Texas	A	99	$128M	15.88%	0.10%
86	Kentucky Farmers Bank Corp	Catlettsburg, Kentucky	A	99	$278M	27.28%	0.08%
87	South Georgia Bank	Glennville, Georgia	A	99	$218M	19.99%	0.24%
88	Menard Bank	Menard, Texas	A	99	$79M	20.39%	0.00%
89	First Nb of Mertzon	Mertzon, Texas	A	99	$506M	75.85%	0.09%
90	Bank of Star Valley	Afton, Wyoming	A	99	$391M	18.10%	0.01%
91	Citizens Bank of Georgia	Cumming, Georgia	A	99	$545M	17.23%	0.00%
92	Westamerica Bank	San Rafael, California	A	99	$6.3B	15.10%	0.19%
93	Heartland National Bank	Sebring, Florida	A	99	$713M	26.41%	0.22%
94	Grundy Bank	Morris, Illinois	A	99	$354M	18.74%	0.10%
95	Armed Forces Bank NA	Fort Leavenworth, Kansas	A	99	$1.4B	20.47%	0.09%
96	Howard Stb Howard Kansas	Howard, Kansas	A	99	$72M	15.10%	0.20%
97	1st Bank Yuma	Yuma, Arizona	A	99	$624M	17.82%	0.20%
98	Truxton Trust Co	Nashville, Tennessee	A	99	$983M	14.62%	0.00%
99	Pioneer Commercial Bank	Albany, New York	A	99	$494M	56.09%	0.00%
100	Ameriprise Bank FSB	Minneapolis, Minnesota	A	99	$22.7B	34.51%	0.15%

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 97.22%, an NPL ratio of 0.01%, and a liquidity ratio of 62.73% — 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, 1 banks hold $10B+ in assets (large/super-regional), 13 hold $1B–$10B (mid-size), and 86 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 April 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.

Banks at Risk of Stress →Recent Bank Failures →Compare Two Banks →Methodology →

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 · Ranking covers 100 banks. This page is informational and is not investment advice; verify FDIC insurance limits at FDIC.gov.