Updated April 2026 · FDIC Call Report Q2 2024

Community Banks

2,406 U.S. banks fit the community banks definition, holding $904.6B in combined assets. The cohort posts an average Bank Health Score of 69/100, with a Tier 1 capital ratio averaging 10.69% and an NPL ratio of 0.66%.

Mega Banks (13)Large Banks (133)Mid-Size Banks (785)Community Banks (2,406)Small Banks (623)

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	2,406
Combined assets	$904.6B
Average Health Score	69/100
Average Tier 1 capital ratio	10.69%
Average NPL ratio	0.66%
A-graded banks	855 (36%)
D or F-graded banks	372 (15%)

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	Arrowhead Bank	Llano, Texas	A	100	$287M	17.42%	0.00%
3	Farmers&Merchants Stb Bloomf	Bloomfield, Nebraska	A	100	$205M	21.33%	0.04%
4	Alamosa State Bank	Alamosa, Colorado	A	100	$332M	19.91%	0.00%
5	Comerica B&T NA	Ann Arbor, Michigan	A	100	$116M	198.62%	0.00%
6	Commercial Banking Co	Valdosta, Georgia	A	100	$355M	18.14%	0.04%
7	Western Bank	Artesia, New Mexico	A	100	$341M	14.90%	0.00%
8	Fnbt Bank	Fort Walton Beac, Florida	A	100	$597M	24.62%	0.01%
9	Texas State Bank	San Angelo, Texas	A	100	$402M	19.41%	0.00%
10	Garden Plain State Bank	Wichita, Kansas	A	100	$149M	24.21%	0.00%
11	Bessemer Trust Co	Woodbridge, New Jersey	A	100	$502M	33.56%	0.00%
12	Summit Bank	Oakland, California	A	100	$296M	21.55%	0.00%
13	First Nb Northwest Florida	Panama City, Florida	A	100	$176M	51.49%	0.00%
14	Edward Jones Trust Co	Saint Louis, Missouri	A	100	$131M	351.19%	0.00%
15	Titan Bank N A	Mineral Wells, Texas	A	100	$578M	22.90%	0.07%
16	Grandview Bank	Grandview, Texas	A	100	$642M	16.21%	0.02%
17	Big Bend Banks N A	Marfa, Texas	A	100	$156M	38.37%	0.00%
18	Stifel Trust Co NA	Saint Louis, Missouri	A	100	$889M	31.85%	0.00%
19	Fds Bank	Mason, Ohio	A	100	$106M	221.69%	0.00%
20	Applied Bank	Wilmington, Delaware	A	100	$218M	78.80%	0.00%
21	Nationwide Trust Co FSB	Columbus, Ohio	A	100	$152M	95.00%	0.00%
22	Capital Bank&Trust Co	Irvine, California	A	100	$174M	190.32%	0.00%
23	Alpine Capital Bank	New York, New York	A	100	$194M	57.19%	0.00%
24	Sei Private Trust Co	Oaks, Pennsylvania	A	100	$236M	349.87%	0.00%
25	First Electronic Bank	Salt Lake City, Utah	A	100	$429M	62.24%	0.00%
26	First National Bank in Ord	Ord, Nebraska	A	100	$150M	21.22%	0.00%
27	First Nb of Stanton	Stanton, Texas	A	100	$375M	32.47%	0.00%
28	Amg National Trust Bank	Boulder, Colorado	A	100	$660M	18.59%	0.03%
29	Trinity Bank N A	Fort Worth, Texas	A	100	$463M	16.20%	0.00%
30	Bank of Montana	Missoula, Montana	A	100	$297M	31.00%	0.00%
31	Stifel Trust Co Delaware NA	Greenville, Delaware	A	100	$284M	45.70%	0.00%
32	Adrian Bank	Adrian, Missouri	A	100	$178M	20.60%	0.02%
33	Cibc National Trust Co	Atlanta, Georgia	A	100	$354M	216.31%	0.00%
34	Fidelity State Bank&Trust Co	Dodge City, Kansas	A	99	$198M	128.61%	0.14%
35	Lake Region Bank	New London, Minnesota	A	99	$137M	23.38%	0.04%
36	Franklin State Bank&Trust Co	Winnsboro, Louisiana	A	99	$205M	19.74%	0.20%
37	Columbus State Bank	Columbus, Texas	A	99	$152M	32.00%	0.00%
38	Citizens Nb of Quitman	Quitman, Georgia	A	99	$120M	19.26%	0.07%
39	Northern State Bank	Ashland, Wisconsin	A	99	$303M	17.21%	0.10%
40	Durden Banking Co INC	Twin City, Georgia	A	99	$279M	22.69%	0.21%
41	Citizens Bank of Americus	Americus, Georgia	A	99	$426M	15.84%	0.09%
42	Community 1st Bank Las Vegas	Las Vegas, New Mexico	A	99	$238M	17.76%	0.01%
43	First Kansas Bank	Hoisington, Kansas	A	99	$264M	18.65%	0.00%
44	Centinel Bank of Taos	Taos, New Mexico	A	99	$405M	23.98%	0.03%
45	First Nb of Waynesboro	Waynesboro, Georgia	A	99	$208M	30.95%	0.21%
46	Bank of the Southwest	Roswell, New Mexico	A	99	$178M	16.05%	0.13%
47	Community Bank of Raymore	Raymore, Missouri	A	99	$351M	19.94%	0.12%
48	Nekoosa Port Edwards Stb	Nekoosa, Wisconsin	A	99	$258M	27.25%	0.00%
49	First Nb of Dublin	Dublin, Texas	A	99	$128M	15.88%	0.10%
50	Kentucky Farmers Bank Corp	Catlettsburg, Kentucky	A	99	$278M	27.28%	0.08%
51	South Georgia Bank	Glennville, Georgia	A	99	$218M	19.99%	0.24%
52	First Nb of Mertzon	Mertzon, Texas	A	99	$506M	75.85%	0.09%
53	Bank of Star Valley	Afton, Wyoming	A	99	$391M	18.10%	0.01%
54	Citizens Bank of Georgia	Cumming, Georgia	A	99	$545M	17.23%	0.00%
55	Heartland National Bank	Sebring, Florida	A	99	$713M	26.41%	0.22%
56	Grundy Bank	Morris, Illinois	A	99	$354M	18.74%	0.10%
57	1st Bank Yuma	Yuma, Arizona	A	99	$624M	17.82%	0.20%
58	Truxton Trust Co	Nashville, Tennessee	A	99	$983M	14.62%	0.00%
59	Pioneer Commercial Bank	Albany, New York	A	99	$494M	56.09%	0.00%
60	Kearney Trust Co	Kearney, Missouri	A	99	$293M	16.94%	0.00%
61	First Nb of Steeleville	Steeleville, Illinois	A	98	$246M	22.97%	0.34%
62	First Texas Bank	Georgetown, Texas	A	98	$882M	19.52%	0.00%
63	Lea County State Bank	Hobbs, New Mexico	A	98	$719M	19.85%	0.41%
64	City Bank&Trust Co	Natchitoches, Louisiana	A	98	$335M	17.41%	0.01%
65	Bank of Clarkson	Clarkson, Kentucky	A	98	$165M	20.23%	0.02%
66	Pointwest Bank	West, Texas	A	98	$132M	28.44%	0.00%
67	Pine Country Bank	Little Falls, Minnesota	A	98	$244M	14.48%	0.01%
68	Mcintosh County Bank	Ashley, North Dakota	A	98	$120M	15.13%	0.00%
69	Bank of Prairie du Sac	Prairie du Sac, Wisconsin	A	98	$585M	20.47%	0.14%
70	Frontier Bank	Lamar, Colorado	A	98	$416M	18.41%	0.02%
71	Bennington State Bank	Salina, Kansas	A	98	$977M	16.94%	0.29%
72	First Nb of Griffin	Griffin, Georgia	A	98	$366M	17.58%	0.08%
73	Tejas Bank	Monahans, Texas	A	98	$232M	17.25%	0.26%
74	Hawaii National Bank	Honolulu, Hawaii	A	98	$826M	17.43%	0.00%
75	First Bank Kansas	Salina, Kansas	A	98	$551M	14.55%	0.19%
76	Citizens Bank of Ada	Ada, Oklahoma	A	98	$307M	15.91%	0.24%
77	Cbbc Bank	Maryville, Tennessee	A	98	$493M	21.79%	0.05%
78	Sage Capital Bank	Gonzales, Texas	A	98	$664M	16.93%	0.00%
79	Sanger Bank	Sanger, Texas	A	98	$200M	24.28%	0.00%
80	Citizens Bank&Trust INC	Trenton, Georgia	A	98	$125M	21.76%	0.32%
81	Salyersville National Bank	Salyersville, Kentucky	A	98	$141M	25.29%	0.11%
82	First Nb of Ballinger	Ballinger, Texas	A	98	$256M	15.73%	0.08%
83	Edison National Bank	Fort Myers, Florida	A	98	$426M	24.80%	0.00%
84	Century Bank of Georgia	Cartersville, Georgia	A	98	$354M	23.47%	0.00%
85	First Nb of Louisiana	Crowley, Louisiana	A	98	$557M	17.30%	0.00%
86	Citizens 1st Nb Storm Lake	Storm Lake, Iowa	A	98	$240M	21.13%	0.35%
87	First Nb in Cimarron	Cimarron, Kansas	A	98	$134M	14.79%	0.00%
88	First Nb of Oneida	Oneida, Tennessee	A	98	$318M	18.52%	0.25%
89	First Security Bk Sleepy Eye	Sleepy Eye, Minnesota	A	98	$179M	34.10%	0.29%
90	Brannen Bank	Inverness, Florida	A	98	$909M	15.62%	0.39%
91	Oak View National Bank	Warrenton, Virginia	A	98	$630M	15.26%	0.01%
92	Wyoming Bank&Trust	Cheyenne, Wyoming	A	98	$301M	20.91%	0.00%
93	Farmers Savings Bank&Trust	Traer, Iowa	A	97	$205M	17.51%	0.00%
94	Peoples State Bank	Shepherd, Texas	A	97	$174M	19.93%	0.07%
95	First Stb of Campbell Hill	Campbell Hill, Illinois	A	97	$155M	20.68%	0.33%
96	Central Savings Bank	Sault Sainte Mar, Michigan	A	97	$452M	14.64%	0.14%
97	Vermilion Valley Bank	Piper City, Illinois	A	97	$173M	26.91%	0.38%
98	Bank&Trust SSB	Del Rio, Texas	A	97	$526M	17.63%	0.01%
99	Hill Bank&Trust Co	Weimar, Texas	A	97	$149M	34.47%	0.00%
100	Baraboo State Bank	Baraboo, Wisconsin	A	97	$493M	19.04%	0.03%
101	Bank of Commerce	Chelsea, Oklahoma	A	97	$204M	18.21%	0.53%
102	Southtrust Bank N A	George West, Texas	A	97	$551M	17.91%	0.10%
103	Chelsea State Bank	Chelsea, Michigan	A	97	$407M	17.61%	0.12%
104	Lyon County State Bank	Emporia, Kansas	A	97	$190M	17.65%	0.08%
105	Bank of Hazlehurst	Hazlehurst, Georgia	A	97	$120M	27.09%	0.48%
106	Bank of York	York, South Carolina	A	97	$292M	30.31%	0.58%
107	Pioneer Bank&Trust	Belle Fourche, South Dakota	A	97	$999M	16.85%	0.01%
108	First State Bank of Odem	Odem, Texas	A	97	$195M	28.40%	0.52%
109	Stafford Savings Bank	Stafford Springs, Connecticut	A	97	$415M	32.48%	0.45%
110	Charter Bank	Corpus Christi, Texas	A	97	$298M	16.47%	0.55%
111	Evergreen National Bank	Evergreen, Colorado	A	97	$131M	18.29%	0.21%
112	Atlantic Cmty Bankers Bank	Camp Hill, Pennsylvania	A	97	$915M	20.42%	0.00%
113	Premier Bank of the South	Cullman, Alabama	A	97	$354M	16.69%	0.02%
114	Peoples Independent Bank	Boaz, Alabama	A	97	$447M	14.71%	0.32%
115	Surety Bank	Deland, Florida	A	97	$206M	25.62%	0.46%
116	Charlevoix State Bank	Charlevoix, Michigan	A	97	$255M	19.52%	0.12%
117	Bank of Brookhaven	Brookhaven, Mississippi	A	97	$233M	17.46%	0.00%
118	First Nb of Sterling City	Sterling City, Texas	A	97	$223M	36.93%	0.00%
119	Bank of Clovis	Clovis, New Mexico	A	97	$334M	19.39%	0.00%
120	Bank of Grand Lake	Grove, Oklahoma	A	97	$249M	15.33%	0.00%
121	Peach State Bank&Trust	Gainesville, Georgia	A	97	$779M	14.99%	0.00%
122	Bank of Monroe	Union, West Virginia	A	97	$225M	21.32%	0.02%
123	Bank of Millbrook	Millbrook, New York	A	97	$287M	23.08%	0.42%
124	Citizens Trust Bank	Atlanta, Georgia	A	97	$757M	19.55%	0.49%
125	Lake-Osceola State Bank	Baldwin, Michigan	A	97	$443M	15.82%	0.24%
126	Progrowth Bank	Nicollet, Minnesota	A	97	$413M	20.10%	0.01%
127	Bluff View Bank	Galesville, Wisconsin	A	97	$140M	20.72%	0.02%
128	Alva State Bank&Trust Co	Alva, Oklahoma	A	97	$494M	20.68%	0.50%
129	Preferred Bank	Rothville, Missouri	A	96	$136M	21.02%	0.00%
130	Community Bank	Winslow, Illinois	A	96	$277M	24.60%	0.20%
131	Buena Vista National Bank	Chester, Illinois	A	96	$296M	15.38%	0.16%
132	Center National Bank	Litchfield, Minnesota	A	96	$236M	16.92%	0.01%
133	Highpoint Community Bank	Hastings, Michigan	A	96	$540M	14.74%	0.10%
134	Manhattan Bank	Manhattan, Montana	A	96	$259M	14.92%	0.04%
135	Buckholts State Bank	Buckholts, Texas	A	96	$118M	25.85%	0.64%
136	Town&Country Bank	Salem, Missouri	A	96	$695M	18.46%	0.41%
137	Citizens Stb New Castle	New Castle, Indiana	A	96	$790M	16.50%	0.18%
138	Peoples Bank Co	Coldwater, Ohio	A	96	$798M	18.94%	0.00%
139	Northeast Missouri Stb	Kirksville, Missouri	A	96	$139M	20.79%	0.09%
140	Farmers&Merchants Stb Spring	Springfield, Minnesota	A	96	$135M	14.65%	0.00%
141	Royal Bank	Elroy, Wisconsin	A	96	$739M	15.60%	0.17%
142	Community Bank of Louisiana	Mansfield, Louisiana	A	96	$850M	19.70%	0.05%
143	Security Nb of Enid	Enid, Oklahoma	A	96	$376M	17.60%	0.31%
144	Mcbank	Goldthwaite, Texas	A	96	$420M	19.51%	0.24%
145	Fulton Savings Bank	Fulton, New York	A	96	$464M	53.03%	0.65%
146	First American Bank&Trust Co	Athens, Georgia	A	96	$870M	17.00%	0.02%
147	First Security T&Sb	Elmwood Park, Illinois	A	96	$355M	17.21%	0.13%
148	First Nb of Gillette	Gillette, Wyoming	A	96	$572M	35.22%	0.04%
149	First Financial Bank	Bessemer, Alabama	A	96	$227M	15.09%	0.21%
150	Community Bank of Marshall	Marshall, Missouri	A	96	$234M	17.57%	0.01%
151	Hatch Bank	San Marcos, California	A	96	$126M	36.80%	0.13%
152	Chesapeake Bank&Trust Co	Chestertown, Maryland	A	96	$141M	14.41%	0.28%
153	Sewickley Savings Bank	Sewickley, Pennsylvania	A	96	$281M	59.08%	0.00%
154	Brady National Bank	Brady, Texas	A	96	$137M	18.07%	0.00%
155	First Nb of Livingston	Livingston, Texas	A	96	$492M	32.99%	0.03%
156	Normangee State Bank	Normangee, Texas	A	96	$148M	29.03%	0.08%
157	Idaho Trust Bank	Boise, Idaho	A	96	$208M	15.24%	0.00%
158	Community Bank of the South	Merritt Island, Florida	A	96	$253M	21.69%	0.00%
159	Optus Bank	Columbia, South Carolina	A	96	$592M	17.02%	0.40%
160	First Cmty Bk Moultrie Cnty	Sullivan, Illinois	A	96	$113M	18.32%	0.00%
161	Farmers&Merchants Nb Nashvil	Nashville, Illinois	A	96	$265M	15.84%	0.08%
162	Dnb National Bank	Clear Lake, South Dakota	A	96	$110M	21.27%	0.12%
163	First Nb in Philip	Philip, South Dakota	A	96	$360M	15.56%	0.00%
164	Central Bank&Trust	Lander, Wyoming	A	96	$200M	14.96%	0.20%
165	First Nb of Gordon	Gordon, Nebraska	A	96	$321M	29.55%	0.66%
166	River Valley Community Bank	Yuba City, California	A	96	$613M	15.00%	0.00%
167	Golden Valley Bank	Chico, California	A	96	$492M	16.43%	0.00%
168	Community Bk Pleasant Hill	Pleasant Hill, Missouri	A	96	$152M	21.41%	0.12%
169	Peoples Bank Mt Washington	Mount Washington, Kentucky	A	96	$115M	14.09%	0.00%
170	Farmers Bank of Willards	Willards, Maryland	A	96	$565M	16.74%	0.17%
171	New Albin Savings Bank	New Albin, Iowa	A	96	$320M	42.18%	0.01%
172	Sacramento Deposit Bank	Sacramento, Kentucky	A	96	$136M	15.18%	0.42%
173	Athol Savings Bank	Athol, Massachusetts	A	96	$628M	16.55%	0.10%
174	Bank of Maysville	Maysville, Kentucky	A	96	$157M	29.04%	0.00%
175	Farmers-Merchants B&T Co	Breaux Bridge, Louisiana	A	96	$447M	18.43%	0.56%
176	First Stb of le Center	Le Center, Minnesota	A	96	$105M	14.42%	0.22%
177	Pineries Bank	Stevens Point, Wisconsin	A	96	$137M	20.69%	0.23%
178	Blissfield State Bank	Blissfield, Michigan	A	96	$112M	15.29%	0.00%
179	Citizens Savings Bank	Anamosa, Iowa	A	95	$151M	19.51%	0.00%
180	Bank&Trust Co	Litchfield, Illinois	A	95	$580M	15.82%	0.23%
181	Citizens Bank	Morehead, Kentucky	A	95	$204M	14.28%	0.07%
182	Independent Farmers Bank	Maysville, Missouri	A	95	$153M	15.14%	0.17%
183	Sibley State Bank	Sibley, Iowa	A	95	$103M	14.36%	0.01%
184	First Security State Bank	Cranfills Gap, Texas	A	95	$169M	17.79%	0.01%
185	Elkton Bank&Trust Co	Elkton, Kentucky	A	95	$193M	23.51%	0.05%
186	Community Bank&Trust	Neosho, Missouri	A	95	$416M	25.87%	0.07%
187	Friendship State Bank	Friendship, Indiana	A	95	$537M	15.41%	0.00%
188	Farmers&Merchants Bk St Clai	Saint Clair, Missouri	A	95	$338M	16.68%	0.01%
189	Home Nb of Thorntown	Thorntown, Indiana	A	95	$173M	15.58%	0.08%
190	Thumb Bank&Trust	Pigeon, Michigan	A	95	$607M	14.43%	0.05%
191	Newfield National Bank	Newfield, New Jersey	A	95	$871M	17.87%	0.13%
192	First Nb in New Bremen	New Bremen, Ohio	A	95	$433M	27.24%	0.26%
193	First Nb of Nokomis	Nokomis, Illinois	A	95	$180M	17.95%	0.14%
194	Rayne State Bank&Trust Co	Rayne, Louisiana	A	95	$496M	19.27%	0.02%
195	Centera Bank	Sublette, Kansas	A	95	$310M	15.77%	0.03%
196	Farmers&Merchants Bank of Sc	Holly Hill, South Carolina	A	95	$392M	38.79%	0.81%
197	Solutions North Bank	Stockton, Kansas	A	95	$303M	16.61%	0.00%
198	Fnb South	Alma, Georgia	A	95	$611M	23.67%	0.05%
199	Bank of Tioga	Tioga, North Dakota	A	95	$404M	13.28%	0.00%
200	State Bank of Whittington	Benton, Illinois	A	95	$175M	14.95%	0.30%

Showing top 200 of 2,406 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 2,406 institutions fit this definition.

What is the average health score for community banks?

Across 2,406 banks in the Community Banks tier, the average Bank Health Score is 69/100, around the C/B boundary. Healthy capital is the norm, but loan-loss or liquidity pressure is visible at a meaningful share of institutions. A-graded banks: 855. B-graded: 460. D or F-graded: 372.

What are the typical strengths of banks in this tier?

What should I watch for when reviewing a bank in this tier?

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.

Mega Banks →Large Banks →Mid-Size Banks →Small 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 · Data covers 2,406 community banks. Informational only; not investment advice.