Updated June 2026 · FDIC Call Report Q2 2024
Community Banks
2,407 U.S. banks fit the community banks definition, holding $905.0B in combined assets. The cohort posts an average Bank Health Score of 80/100, with a Tier 1 capital ratio averaging 16.29% and an NPL ratio of 0.66%.
What Defines This Tier
Community banks — $100 million to $1 billion in assets — are FDIC-classified as such and qualify for the Community Bank Leverage Ratio (CBLR) regulatory framework, an opt-in simplified capital regime. They are heavily concentrated in commercial real estate, small business, and agricultural lending, and most operate in a single state or metro. The FDIC tracks them as a distinct population because their failure modes (concentration risk, local economic stress) differ from larger banks.
Tier-Wide Snapshot
| Banks in tier | 2,407 |
| Combined assets | $905.0B |
| Average Health Score | 80/100 |
| Average Tier 1 capital ratio | 16.29% |
| Average NPL ratio | 0.66% |
| A-graded banks | 1,370 (57%) |
| D or F-graded banks | 27 (1%) |
Strengths and Risks in This Tier
Strengths in this tier: relationship lending, local market knowledge, and the simplified Community Bank Leverage Ratio framework that lets well-capitalized institutions opt out of the more complex risk-based capital regime. Many community banks consistently outscore larger banks on health metrics.
Risks to watch: loan concentration is the structural risk — community banks typically hold more than 30% of their loan books in commercial real estate, often in a single metro. A local downturn (energy, agriculture, manufacturing) can move ratios meaningfully. Liquidity pressure from rising rate environments is the second-most-common stress.
For depositors: FDIC insurance protects deposits up to $250,000 per depositor, per insured bank, per ownership category — the same coverage at any FDIC-insured institution regardless of size. The Bank Health Score is a relative ranking of regulatory cushion, not a guarantee. Confirm coverage limits directly at FDIC.gov before making changes.
Top Banks in Community Banks
| # | Bank | Location | Grade | Score | Assets | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|---|
| 1 | Frederick Community Bank The | Paxton, Illinois | A | 100 | $179M | 18.22% | 0.00% |
| 2 | First T&Sb of Watseka Il | Watseka, Illinois | A | 100 | $315M | 15.62% | 0.05% |
| 3 | Bank of Southside Virginia | Carson, Virginia | A | 100 | $683M | 19.03% | 0.04% |
| 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 | American Interstate Bank | Elkhorn, Nebraska | A | 100 | $140M | 18.67% | 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 | Western Bank | Artesia, New Mexico | A | 100 | $341M | 14.90% | 0.00% |
| 11 | Heritage Bank | Wood River, Nebraska | A | 100 | $573M | 20.09% | 0.00% |
| 12 | Fnbt Bank | Fort Walton Beac, Florida | A | 100 | $597M | 24.62% | 0.01% |
| 13 | Texas State Bank | San Angelo, Texas | A | 100 | $402M | 19.41% | 0.00% |
| 14 | Garden Plain State Bank | Wichita, Kansas | A | 100 | $149M | 24.21% | 0.00% |
| 15 | Bessemer Trust Co | Woodbridge, New Jersey | A | 100 | $502M | 33.56% | 0.00% |
| 16 | West Central Georgia Bank | Thomaston, Georgia | A | 100 | $151M | 26.62% | 0.02% |
| 17 | Municipal Trust&Savings Bank | Bourbonnais, Illinois | A | 100 | $357M | 16.53% | 0.00% |
| 18 | Summit Bank | Oakland, California | A | 100 | $296M | 21.55% | 0.00% |
| 19 | First Nb Northwest Florida | Panama City, Florida | A | 100 | $176M | 51.49% | 0.00% |
| 20 | Haverford Trust Co | Radnor, Pennsylvania | A | 100 | $174M | 20.60% | 0.00% |
| 21 | Deutsche Bank Tr Co Delaware | Newark, Delaware | A | 100 | $132M | 95.79% | 0.00% |
| 22 | Deutsche Bank National Tr Co | Los Angeles, California | A | 100 | $432M | 58.66% | 0.00% |
| 23 | Edward Jones Trust Co | Saint Louis, Missouri | A | 100 | $131M | 351.19% | 0.00% |
| 24 | Titan Bank N A | Mineral Wells, Texas | A | 100 | $578M | 22.90% | 0.07% |
| 25 | Grandview Bank | Grandview, Texas | A | 100 | $642M | 16.21% | 0.02% |
| 26 | Big Bend Banks N A | Marfa, Texas | A | 100 | $156M | 38.37% | 0.00% |
| 27 | Stifel Trust Co NA | Saint Louis, Missouri | A | 100 | $889M | 31.85% | 0.00% |
| 28 | Fds Bank | Mason, Ohio | A | 100 | $106M | 221.69% | 0.00% |
| 29 | Synovus Trust Co NA | Columbus, Georgia | A | 100 | $144M | 96.98% | 0.00% |
| 30 | Deutsche Bank Trust Co NA | New York, New York | A | 100 | $157M | 93.38% | 0.00% |
| 31 | Applied Bank | Wilmington, Delaware | A | 100 | $218M | 78.80% | 0.00% |
| 32 | Wells Fargo de Tr Co NA | Wilmington, Delaware | A | 100 | $242M | 100.44% | 0.00% |
| 33 | Nationwide Trust Co FSB | Columbus, Ohio | A | 100 | $152M | 95.00% | 0.00% |
| 34 | Clearpoint Federal B&T | Batesville, Indiana | A | 100 | $121M | 18.11% | 0.00% |
| 35 | U S Bank Trust NA Sd | Sioux Falls, South Dakota | A | 100 | $158M | 100.48% | 0.00% |
| 36 | Chicago Trust Co NA | Lake Forest, Illinois | A | 100 | $126M | 99.66% | 0.00% |
| 37 | Capital Bank&Trust Co | Irvine, California | A | 100 | $174M | 190.32% | 0.00% |
| 38 | Glenmede Trust Co NA | Philadelphia, Pennsylvania | A | 100 | $180M | 44.52% | 0.00% |
| 39 | Alpine Capital Bank | New York, New York | A | 100 | $194M | 57.19% | 0.00% |
| 40 | Sei Private Trust Co | Oaks, Pennsylvania | A | 100 | $236M | 349.87% | 0.00% |
| 41 | First Electronic Bank | Salt Lake City, Utah | A | 100 | $429M | 62.24% | 0.00% |
| 42 | Minden Exchange B&T Co | Minden, Nebraska | A | 100 | $185M | 19.76% | 0.01% |
| 43 | First National Bank in Ord | Ord, Nebraska | A | 100 | $150M | 21.22% | 0.00% |
| 44 | First Nb of Stanton | Stanton, Texas | A | 100 | $375M | 32.47% | 0.00% |
| 45 | U S Bank Trust National Assn | Wilmington, Delaware | A | 100 | $807M | 98.96% | 0.00% |
| 46 | Northwestern Mutual Wealth M | Milwaukee, Wisconsin | A | 100 | $491M | 58.86% | 0.00% |
| 47 | First Century Bank NA | Commerce, Georgia | A | 100 | $434M | 18.49% | 0.05% |
| 48 | Amg National Trust Bank | Boulder, Colorado | A | 100 | $660M | 18.59% | 0.03% |
| 49 | Vanguard National Tr Co NA | Malvern, Pennsylvania | A | 100 | $144M | 57.57% | 0.00% |
| 50 | Goldman Sachs Tr Co NA The | Wilmington, Delaware | A | 100 | $154M | 84.88% | 0.00% |
| 51 | Trinity Bank N A | Fort Worth, Texas | A | 100 | $463M | 16.20% | 0.00% |
| 52 | Bank of Montana | Missoula, Montana | A | 100 | $297M | 31.00% | 0.00% |
| 53 | Stifel Trust Co Delaware NA | Greenville, Delaware | A | 100 | $284M | 45.70% | 0.00% |
| 54 | Tiaa Trust National Assn | Charlotte, North Carolina | A | 100 | $250M | 89.83% | 0.00% |
| 55 | Adrian Bank | Adrian, Missouri | A | 100 | $178M | 20.60% | 0.02% |
| 56 | Bank of Grain Valley | Grain Valley, Missouri | A | 100 | $109M | 22.27% | 0.00% |
| 57 | Cibc National Trust Co | Atlanta, Georgia | A | 100 | $354M | 216.31% | 0.00% |
| 58 | Fidelity State Bank&Trust Co | Dodge City, Kansas | A | 99 | $198M | 128.61% | 0.14% |
| 59 | Lake Region Bank | New London, Minnesota | A | 99 | $137M | 23.38% | 0.04% |
| 60 | Franklin State Bank&Trust Co | Winnsboro, Louisiana | A | 99 | $205M | 19.74% | 0.20% |
| 61 | Columbus State Bank | Columbus, Texas | A | 99 | $152M | 32.00% | 0.00% |
| 62 | Citizens Nb of Quitman | Quitman, Georgia | A | 99 | $120M | 19.26% | 0.07% |
| 63 | Northern State Bank | Ashland, Wisconsin | A | 99 | $303M | 17.21% | 0.10% |
| 64 | Durden Banking Co INC | Twin City, Georgia | A | 99 | $279M | 22.69% | 0.21% |
| 65 | Citizens Bank of Americus | Americus, Georgia | A | 99 | $426M | 15.84% | 0.09% |
| 66 | Samson Banking Co INC | Samson, Alabama | A | 99 | $111M | 14.83% | 0.09% |
| 67 | Community 1st Bank Las Vegas | Las Vegas, New Mexico | A | 99 | $238M | 17.76% | 0.01% |
| 68 | First Kansas Bank | Hoisington, Kansas | A | 99 | $264M | 18.65% | 0.00% |
| 69 | Wayland State Bank | Mount Pleasant, Iowa | A | 99 | $125M | 20.03% | 0.08% |
| 70 | Centinel Bank of Taos | Taos, New Mexico | A | 99 | $405M | 23.98% | 0.03% |
| 71 | First Nb of Waynesboro | Waynesboro, Georgia | A | 99 | $208M | 30.95% | 0.21% |
| 72 | Bank of the Southwest | Roswell, New Mexico | A | 99 | $178M | 16.05% | 0.13% |
| 73 | Community Bank of Raymore | Raymore, Missouri | A | 99 | $351M | 19.94% | 0.12% |
| 74 | Nekoosa Port Edwards Stb | Nekoosa, Wisconsin | A | 99 | $258M | 27.25% | 0.00% |
| 75 | First Nb of Dublin | Dublin, Texas | A | 99 | $128M | 15.88% | 0.10% |
| 76 | Kentucky Farmers Bank Corp | Catlettsburg, Kentucky | A | 99 | $278M | 27.28% | 0.08% |
| 77 | South Georgia Bank | Glennville, Georgia | A | 99 | $218M | 19.99% | 0.24% |
| 78 | First Nb of Mertzon | Mertzon, Texas | A | 99 | $506M | 75.85% | 0.09% |
| 79 | Bank of Star Valley | Afton, Wyoming | A | 99 | $391M | 18.10% | 0.01% |
| 80 | Citizens Bank of Georgia | Cumming, Georgia | A | 99 | $545M | 17.23% | 0.00% |
| 81 | Heartland National Bank | Sebring, Florida | A | 99 | $713M | 26.41% | 0.22% |
| 82 | Settlers Bank | Marietta, Ohio | A | 99 | $126M | 16.37% | 0.24% |
| 83 | Grundy Bank | Morris, Illinois | A | 99 | $354M | 18.74% | 0.10% |
| 84 | Connect Bank | Star City, Arkansas | A | 99 | $119M | 15.93% | 0.23% |
| 85 | 1st Bank Yuma | Yuma, Arizona | A | 99 | $624M | 17.82% | 0.20% |
| 86 | Truxton Trust Co | Nashville, Tennessee | A | 99 | $983M | 14.62% | 0.00% |
| 87 | Pioneer Commercial Bank | Albany, New York | A | 99 | $494M | 56.09% | 0.00% |
| 88 | Kearney Trust Co | Kearney, Missouri | A | 99 | $293M | 16.94% | 0.00% |
| 89 | First Nb of Steeleville | Steeleville, Illinois | A | 98 | $246M | 22.97% | 0.34% |
| 90 | Lindell Bank&Trust Co | St. Louis, Missouri | A | 98 | $888M | 15.20% | 0.22% |
| 91 | First Citizens State Bank | Whitewater, Wisconsin | A | 98 | $446M | 17.96% | 0.00% |
| 92 | Mcgehee Bank | Mcgehee, Arkansas | A | 98 | $161M | 17.83% | 0.00% |
| 93 | First Texas Bank | Georgetown, Texas | A | 98 | $882M | 19.52% | 0.00% |
| 94 | Lea County State Bank | Hobbs, New Mexico | A | 98 | $719M | 19.85% | 0.41% |
| 95 | City Bank&Trust Co | Natchitoches, Louisiana | A | 98 | $335M | 17.41% | 0.01% |
| 96 | Bank of Clarkson | Clarkson, Kentucky | A | 98 | $165M | 20.23% | 0.02% |
| 97 | Pointwest Bank | West, Texas | A | 98 | $132M | 28.44% | 0.00% |
| 98 | Pine Country Bank | Little Falls, Minnesota | A | 98 | $244M | 14.48% | 0.01% |
| 99 | Mcintosh County Bank | Ashley, North Dakota | A | 98 | $120M | 15.13% | 0.00% |
| 100 | Bank of Prairie du Sac | Prairie du Sac, Wisconsin | A | 98 | $585M | 20.47% | 0.14% |
| 101 | Frontier Bank | Lamar, Colorado | A | 98 | $416M | 18.41% | 0.02% |
| 102 | Muenster State Bank | Muenster, Texas | A | 98 | $208M | 14.26% | 0.00% |
| 103 | Bennington State Bank | Salina, Kansas | A | 98 | $977M | 16.94% | 0.29% |
| 104 | First State Bank of Bedias | Bedias, Texas | A | 98 | $196M | 18.18% | 0.41% |
| 105 | First Nb of Griffin | Griffin, Georgia | A | 98 | $366M | 17.58% | 0.08% |
| 106 | Tejas Bank | Monahans, Texas | A | 98 | $232M | 17.25% | 0.26% |
| 107 | Hawaii National Bank | Honolulu, Hawaii | A | 98 | $826M | 17.43% | 0.00% |
| 108 | First Bank Kansas | Salina, Kansas | A | 98 | $551M | 14.55% | 0.19% |
| 109 | Citizens Bank of Ada | Ada, Oklahoma | A | 98 | $307M | 15.91% | 0.24% |
| 110 | Cbbc Bank | Maryville, Tennessee | A | 98 | $493M | 21.79% | 0.05% |
| 111 | Sage Capital Bank | Gonzales, Texas | A | 98 | $664M | 16.93% | 0.00% |
| 112 | First Eagle Bank | Chicago, Illinois | A | 98 | $563M | 21.09% | 0.00% |
| 113 | Sanger Bank | Sanger, Texas | A | 98 | $200M | 24.28% | 0.00% |
| 114 | Citizens Bank&Trust INC | Trenton, Georgia | A | 98 | $125M | 21.76% | 0.32% |
| 115 | Salyersville National Bank | Salyersville, Kentucky | A | 98 | $141M | 25.29% | 0.11% |
| 116 | Morganton Savings Bank SSB | Morganton, North Carolina | A | 98 | $112M | 26.45% | 0.10% |
| 117 | First Nb of Ballinger | Ballinger, Texas | A | 98 | $256M | 15.73% | 0.08% |
| 118 | Edison National Bank | Fort Myers, Florida | A | 98 | $426M | 24.80% | 0.00% |
| 119 | Petit Jean State Bank | Morrilton, Arkansas | A | 98 | $234M | 16.10% | 0.28% |
| 120 | Century Bank of Georgia | Cartersville, Georgia | A | 98 | $354M | 23.47% | 0.00% |
| 121 | First Nb of Louisiana | Crowley, Louisiana | A | 98 | $557M | 17.30% | 0.00% |
| 122 | Citizens 1st Nb Storm Lake | Storm Lake, Iowa | A | 98 | $240M | 21.13% | 0.35% |
| 123 | First Nb in Cimarron | Cimarron, Kansas | A | 98 | $134M | 14.79% | 0.00% |
| 124 | First Nb of Oneida | Oneida, Tennessee | A | 98 | $318M | 18.52% | 0.25% |
| 125 | First Security Bk Sleepy Eye | Sleepy Eye, Minnesota | A | 98 | $179M | 34.10% | 0.29% |
| 126 | Brannen Bank | Inverness, Florida | A | 98 | $909M | 15.62% | 0.39% |
| 127 | Oak View National Bank | Warrenton, Virginia | A | 98 | $630M | 15.26% | 0.01% |
| 128 | Wyoming Bank&Trust | Cheyenne, Wyoming | A | 98 | $301M | 20.91% | 0.00% |
| 129 | Liberty Trust&Savings Bank | Durant, Iowa | A | 97 | $175M | 20.78% | 0.00% |
| 130 | Farmers Savings Bank&Trust | Traer, Iowa | A | 97 | $205M | 17.51% | 0.00% |
| 131 | Peoples State Bank | Shepherd, Texas | A | 97 | $174M | 19.93% | 0.07% |
| 132 | First Stb of Campbell Hill | Campbell Hill, Illinois | A | 97 | $155M | 20.68% | 0.33% |
| 133 | Anderson State Bank | Oneida, Illinois | A | 97 | $105M | 15.81% | 0.00% |
| 134 | Central Savings Bank | Sault Sainte Mar, Michigan | A | 97 | $452M | 14.64% | 0.14% |
| 135 | Vermilion Valley Bank | Piper City, Illinois | A | 97 | $173M | 26.91% | 0.38% |
| 136 | Bank&Trust SSB | Del Rio, Texas | A | 97 | $526M | 17.63% | 0.01% |
| 137 | Hill Bank&Trust Co | Weimar, Texas | A | 97 | $149M | 34.47% | 0.00% |
| 138 | Baraboo State Bank | Baraboo, Wisconsin | A | 97 | $493M | 19.04% | 0.03% |
| 139 | Farmers Bank | Greenwood, Arkansas | A | 97 | $284M | 15.65% | 0.34% |
| 140 | Bank of Commerce | Chelsea, Oklahoma | A | 97 | $204M | 18.21% | 0.53% |
| 141 | Southtrust Bank N A | George West, Texas | A | 97 | $551M | 17.91% | 0.10% |
| 142 | Chelsea State Bank | Chelsea, Michigan | A | 97 | $407M | 17.61% | 0.12% |
| 143 | United Bank&Trust Co | Hampton, Iowa | A | 97 | $202M | 14.73% | 0.00% |
| 144 | Lyon County State Bank | Emporia, Kansas | A | 97 | $190M | 17.65% | 0.08% |
| 145 | Bank of Hazlehurst | Hazlehurst, Georgia | A | 97 | $120M | 27.09% | 0.48% |
| 146 | Bank of York | York, South Carolina | A | 97 | $292M | 30.31% | 0.58% |
| 147 | Pioneer Bank&Trust | Belle Fourche, South Dakota | A | 97 | $999M | 16.85% | 0.01% |
| 148 | First State Bank of Odem | Odem, Texas | A | 97 | $195M | 28.40% | 0.52% |
| 149 | Stafford Savings Bank | Stafford Springs, Connecticut | A | 97 | $415M | 32.48% | 0.45% |
| 150 | Charter Bank | Corpus Christi, Texas | A | 97 | $298M | 16.47% | 0.55% |
| 151 | Evergreen National Bank | Evergreen, Colorado | A | 97 | $131M | 18.29% | 0.21% |
| 152 | Community Bk el Dorado Sprin | El Dorado Spring, Missouri | A | 97 | $128M | 16.06% | 0.23% |
| 153 | Atlantic Cmty Bankers Bank | Camp Hill, Pennsylvania | A | 97 | $915M | 20.42% | 0.00% |
| 154 | Bank of Alma | Alma, Wisconsin | A | 97 | $303M | 49.56% | 0.56% |
| 155 | Premier Bank of the South | Cullman, Alabama | A | 97 | $354M | 16.69% | 0.02% |
| 156 | Peoples Independent Bank | Boaz, Alabama | A | 97 | $447M | 14.71% | 0.32% |
| 157 | Southern Bank Co | Gadsden, Alabama | A | 97 | $114M | 15.92% | 0.31% |
| 158 | Surety Bank | Deland, Florida | A | 97 | $206M | 25.62% | 0.46% |
| 159 | Perryton National Bank | Perryton, Texas | A | 97 | $190M | 16.07% | 0.00% |
| 160 | Charlevoix State Bank | Charlevoix, Michigan | A | 97 | $255M | 19.52% | 0.12% |
| 161 | Bank of Brookhaven | Brookhaven, Mississippi | A | 97 | $233M | 17.46% | 0.00% |
| 162 | Cleo State Bank | Cleo Springs, Oklahoma | A | 97 | $115M | 15.55% | 0.45% |
| 163 | Stock Exchange Bank | Woodward, Oklahoma | A | 97 | $293M | 17.20% | 0.22% |
| 164 | West Plains Bank | Ainsworth, Nebraska | A | 97 | $123M | 17.00% | 0.00% |
| 165 | First Nb of Sterling City | Sterling City, Texas | A | 97 | $223M | 36.93% | 0.00% |
| 166 | First Nb of Winnsboro | Winnsboro, Texas | A | 97 | $160M | 22.79% | 0.52% |
| 167 | Bank of Clovis | Clovis, New Mexico | A | 97 | $334M | 19.39% | 0.00% |
| 168 | Bank of Grand Lake | Grove, Oklahoma | A | 97 | $249M | 15.33% | 0.00% |
| 169 | Peach State Bank&Trust | Gainesville, Georgia | A | 97 | $779M | 14.99% | 0.00% |
| 170 | Bank of Monroe | Union, West Virginia | A | 97 | $225M | 21.32% | 0.02% |
| 171 | Bank of Millbrook | Millbrook, New York | A | 97 | $287M | 23.08% | 0.42% |
| 172 | Citizens Trust Bank | Atlanta, Georgia | A | 97 | $757M | 19.55% | 0.49% |
| 173 | Lake-Osceola State Bank | Baldwin, Michigan | A | 97 | $443M | 15.82% | 0.24% |
| 174 | Progrowth Bank | Nicollet, Minnesota | A | 97 | $413M | 20.10% | 0.01% |
| 175 | Bluff View Bank | Galesville, Wisconsin | A | 97 | $140M | 20.72% | 0.02% |
| 176 | Alva State Bank&Trust Co | Alva, Oklahoma | A | 97 | $494M | 20.68% | 0.50% |
| 177 | Preferred Bank | Rothville, Missouri | A | 96 | $136M | 21.02% | 0.00% |
| 178 | Community Bank | Winslow, Illinois | A | 96 | $277M | 24.60% | 0.20% |
| 179 | Buena Vista National Bank | Chester, Illinois | A | 96 | $296M | 15.38% | 0.16% |
| 180 | Center National Bank | Litchfield, Minnesota | A | 96 | $236M | 16.92% | 0.01% |
| 181 | Merchants State Bank | Freeman, South Dakota | A | 96 | $218M | 14.98% | 0.22% |
| 182 | Highpoint Community Bank | Hastings, Michigan | A | 96 | $540M | 14.74% | 0.10% |
| 183 | Auburn State Bank | Auburn, Nebraska | A | 96 | $251M | 14.86% | 0.02% |
| 184 | Homestead Bank | Cozad, Nebraska | A | 96 | $499M | 16.60% | 0.31% |
| 185 | First Bank of Okarche | Okarche, Oklahoma | A | 96 | $137M | 13.73% | 0.10% |
| 186 | Manhattan Bank | Manhattan, Montana | A | 96 | $259M | 14.92% | 0.04% |
| 187 | Buckholts State Bank | Buckholts, Texas | A | 96 | $118M | 25.85% | 0.64% |
| 188 | Farmers&Drovers Bank | Council Grove, Kansas | A | 96 | $208M | 25.11% | 0.13% |
| 189 | Town&Country Bank | Salem, Missouri | A | 96 | $695M | 18.46% | 0.41% |
| 190 | Citizens Stb New Castle | New Castle, Indiana | A | 96 | $790M | 16.50% | 0.18% |
| 191 | Peoples Bank Co | Coldwater, Ohio | A | 96 | $798M | 18.94% | 0.00% |
| 192 | Northeast Missouri Stb | Kirksville, Missouri | A | 96 | $139M | 20.79% | 0.09% |
| 193 | Farmers&Merchants Stb Spring | Springfield, Minnesota | A | 96 | $135M | 14.65% | 0.00% |
| 194 | Royal Bank | Elroy, Wisconsin | A | 96 | $739M | 15.60% | 0.17% |
| 195 | Community Bank of Louisiana | Mansfield, Louisiana | A | 96 | $850M | 19.70% | 0.05% |
| 196 | Security Nb of Enid | Enid, Oklahoma | A | 96 | $376M | 17.60% | 0.31% |
| 197 | Richland County Bank | Richland Center, Wisconsin | A | 96 | $107M | 19.04% | 0.00% |
| 198 | Lytle Stb of Lytle Texas | Lytle, Texas | A | 96 | $113M | 14.21% | 0.00% |
| 199 | Mcbank | Goldthwaite, Texas | A | 96 | $420M | 19.51% | 0.24% |
| 200 | Fulton Savings Bank | Fulton, New York | A | 96 | $464M | 53.03% | 0.65% |
Showing top 200 of 2,407 banks. Use search to find a specific bank.
How These Scores Are Calculated
Every bank in this list earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), nonperforming-loan ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.
Frequently Asked Questions
What counts as a "community banks" bank?
Banks with $100M to $1B in assets, local community institutions. The FDIC and federal regulators draw size lines based on consolidated total assets reported on the quarterly Call Report. Currently 2,407 institutions fit this definition.
What is the average health score for community banks?
Across 2,407 banks in the Community Banks tier, the average Bank Health Score is 80/100 — squarely in A territory and stronger than the industry median. The tier as a whole is well-capitalized, with low loan losses and ample liquidity. A-graded banks: 1,370. B-graded: 763. D or F-graded: 27.
What are the typical strengths of banks in this tier?
Strengths in this tier: relationship lending, local market knowledge, and the simplified Community Bank Leverage Ratio framework that lets well-capitalized institutions opt out of the more complex risk-based capital regime. Many community banks consistently outscore larger banks on health metrics.
What should I watch for when reviewing a bank in this tier?
Risks to watch: loan concentration is the structural risk — community banks typically hold more than 30% of their loan books in commercial real estate, often in a single metro. A local downturn (energy, agriculture, manufacturing) can move ratios meaningfully. Liquidity pressure from rising rate environments is the second-most-common stress.
Are deposits at community banks insured the same way?
Yes. FDIC deposit insurance is identical at every FDIC-insured institution regardless of size — $250,000 per depositor, per insured bank, per ownership category. Verify your bank's FDIC status and your specific coverage at FDIC.gov.
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 · Data covers 2,407 community banks. Informational only; not investment advice.