Updated June 2026 · FDIC Call Report Q2 2024

Mid-Size Banks

784 U.S. banks fit the mid-size banks definition, holding $2.2T in combined assets. The cohort posts an average Bank Health Score of 77/100, with a Tier 1 capital ratio averaging 14.53% and an NPL ratio of 0.62%.

Mega Banks (13)Large Banks (133)Mid-Size Banks (784)Community Banks (2,407)Small Banks (623)

What Defines This Tier

Mid-size banks — $1 billion to $10 billion in assets — occupy the middle tier of U.S. banking: too large to qualify as community banks under the FDIC's definition, too small for full Federal Reserve stress testing. They typically dominate one or two metro markets, lean heavily on commercial real estate and small-business lending, and earn most of their revenue from net interest income rather than fees. Capital ratios in this tier are usually higher than at megabanks because regulators require stronger buffers from less-diversified balance sheets.

Tier-Wide Snapshot

Banks in tier	784
Combined assets	$2.2T
Average Health Score	77/100
Average Tier 1 capital ratio	14.53%
Average NPL ratio	0.62%
A-graded banks	335 (43%)
D or F-graded banks	7 (1%)

Strengths and Risks in This Tier

Strengths in this tier: deep relationships in regional markets, faster credit decisions than megabanks, and ability to specialize in niche commercial segments. Healthier mid-size banks tend to maintain double-digit Tier 1 capital ratios because regulators require stronger buffers from less-diversified institutions.

Risks to watch: commercial real estate concentration is the dominant stress factor in this tier, with office CRE the most-watched category. Many mid-size banks also rely on uninsured deposits from commercial customers, which can move quickly under stress (the lesson of 2023).

For depositors: FDIC insurance — not the bank's health score — is what protects your deposits up to $250,000 per depositor, per insured bank, per ownership category. The Bank Health Score is a relative ranking of regulatory strength, not a guarantee of safety. Verify your coverage limits at FDIC.gov before changing where you bank.

Top Banks in Mid-Size Banks

#	Bank	Location	Grade	Score	Assets	Tier 1 Capital	NPL Ratio
1	Wells Fargo Trust Co NA	Ogden, Utah	A	100	$1.4B	96.18%	0.00%
2	Mizuho Bank USA	New York, New York	A	100	$6.0B	23.00%	0.00%
3	Bessemer Trust Co NA	New York, New York	A	100	$2.7B	21.81%	0.00%
4	Texas Community Bank	Laredo, Texas	A	100	$2.0B	24.72%	0.04%
5	Sumitomo Mitsui Tr Bk U Sa	Hoboken, New Jersey	A	100	$3.5B	35.47%	0.00%
6	First Command Bank	Fort Worth, Texas	A	100	$1.0B	17.44%	0.07%
7	U S Bank Trust Co NA	Portland, Oregon	A	100	$2.2B	89.18%	0.00%
8	Macatawa Bank	Holland, Michigan	A	100	$2.7B	18.04%	0.01%
9	Computershare Trust Co NA	Canton, Massachusetts	A	100	$1.1B	71.29%	0.00%
10	Bryant Bank	Tuscaloosa, Alabama	A	100	$2.5B	18.33%	0.07%
11	Chain Bridge Bank NA	Mclean, Virginia	A	100	$1.4B	28.76%	0.00%
12	Charles Schwab Trust Bank	Westlake, Texas	A	100	$9.5B	92.79%	0.00%
13	Depository Trust Co	New York, New York	A	100	$5.7B	16.55%	0.00%
14	Farmers Bank&Trust	Great Bend, Kansas	A	99	$1.1B	23.80%	0.02%
15	Tib National Assn	Farmers Branch, Texas	A	99	$2.9B	17.31%	0.02%
16	Westamerica Bank	San Rafael, California	A	99	$6.3B	15.10%	0.19%
17	Armed Forces Bank NA	Fort Leavenworth, Kansas	A	99	$1.4B	20.47%	0.09%
18	Sutton Bank	Attica, Ohio	A	99	$2.2B	30.22%	0.13%
19	Bank of Stockton	Stockton, California	A	98	$4.3B	16.83%	0.14%
20	United Bank	Zebulon, Georgia	A	98	$2.1B	24.17%	0.28%
21	Safra Nb of New York	New York, New York	A	98	$10.0B	27.23%	0.01%
22	Bank of Utica	Utica, New York	A	97	$1.3B	24.91%	0.52%
23	First National Bank Alaska	Anchorage, Alaska	A	97	$5.1B	19.66%	0.20%
24	Southside Bank	Tyler, Texas	A	97	$8.4B	15.26%	0.13%
25	Hcn Bank	Riverside, California	A	97	$1.0B	13.97%	0.00%
26	First American Trust FSB	Santa Ana, California	A	97	$6.4B	38.40%	0.00%
27	Rbc Bank Georgia NA	Atlanta, Georgia	A	97	$6.5B	36.35%	0.49%
28	Falcon International Bank	Laredo, Texas	A	97	$2.0B	20.27%	0.56%
29	Pegasus Bank	Dallas, Texas	A	97	$1.3B	14.86%	0.01%
30	Nodaway Valley Bank	Maryville, Missouri	A	97	$1.4B	14.01%	0.04%
31	Commercial Bank of Texas NA	Nacogdoches, Texas	A	96	$1.4B	14.71%	0.10%
32	Bank of Travelers Rest	Travelers Rest, South Carolina	A	96	$1.4B	14.73%	0.04%
33	Bath Savings Institution	Bath, Maine	A	96	$1.4B	15.18%	0.03%
34	Bankfirst	Norfolk, Nebraska	A	96	$1.1B	16.94%	0.63%
35	Conway National Bank	Conway, South Carolina	A	96	$1.8B	17.90%	0.10%
36	Peoples Bank of Alabama	Cullman, Alabama	A	96	$1.3B	14.06%	0.22%
37	Banco Do Brasil Americas	Miami, Florida	A	96	$2.8B	24.16%	0.74%
38	Metro Bank	Pell City, Alabama	A	96	$1.1B	14.87%	0.55%
39	Oak Valley Community Bank	Oakdale, California	A	96	$1.8B	14.13%	0.00%
40	Pacific Coast Bankers Bank	Walnut Creek, California	A	96	$1.2B	27.24%	0.00%
41	Principal Bank	Des Moines, Iowa	A	96	$8.7B	17.87%	0.48%
42	Think Mutual Bank	Rochester, Minnesota	A	96	$2.0B	16.57%	0.08%
43	First Premier Bank	Sioux Falls, South Dakota	A	96	$3.0B	18.09%	0.06%
44	Commercial Bank&Trust Co	Paris, Tennessee	A	96	$1.0B	19.80%	0.03%
45	Amalgamated Bank of Chicago	Chicago, Illinois	A	96	$1.2B	14.98%	0.02%
46	City Nb of West Virginia	Charleston, West Virginia	A	95	$6.3B	15.17%	0.23%
47	Heartland Bank&Trust Co	Bloomington, Illinois	A	95	$5.0B	14.61%	0.25%
48	Bank of Greene County	Catskill, New York	A	95	$2.8B	15.86%	0.25%
49	Bank of the Pacific	Aberdeen, Washington	A	95	$1.1B	16.37%	0.19%
50	Plumas Bank	Quincy, California	A	95	$1.6B	16.36%	0.90%
51	Bank of Ny Mellon Tr Co NA	Los Angeles, California	A	95	$1.3B	328.90%	0.00%
52	Pacific National Bank	Miami, Florida	A	95	$1.2B	16.25%	0.02%
53	El Dorado Savings Bank FSB	Placerville, California	A	95	$2.4B	45.64%	0.21%
54	Red River Bank	Alexandria, Louisiana	A	95	$3.0B	16.64%	0.16%
55	American Heritage Bank	Sapulpa, Oklahoma	A	95	$1.5B	23.93%	0.04%
56	Commerce West Bank	Irvine, California	A	95	$1.1B	18.41%	0.66%
57	Kitsap Bank	Port Orchard, Washington	A	95	$1.7B	15.56%	0.00%
58	First Nb&T Co of Newtown	Newtown, Pennsylvania	A	95	$1.1B	26.77%	0.55%
59	Svg Bank of Mendocino County	Ukiah, California	A	95	$1.3B	16.32%	0.27%
60	Capital City Bank	Tallahassee, Florida	A	95	$4.2B	14.51%	0.20%
61	Evolve Bank&Trust	West Memphis, Arkansas	A	94	$1.7B	14.79%	0.46%
62	Bank of Colorado	Fort Collins, Colorado	A	94	$7.7B	14.38%	0.02%
63	Community Nb&T of Texas	Corsicana, Texas	A	94	$1.3B	15.21%	0.05%
64	Citizens Bank of Las Cruces	Las Cruces, New Mexico	A	94	$1.0B	13.64%	0.00%
65	Pinnacle Bank Wyoming	Cody, Wyoming	A	94	$1.4B	15.46%	0.47%
66	Lone Star National Bank	Pharr, Texas	A	94	$3.0B	20.90%	0.58%
67	Yakima Fs&La	Yakima, Washington	A	94	$2.1B	25.62%	0.16%
68	Toyota Financial Sb	Henderson, Nevada	A	94	$6.3B	29.10%	0.01%
69	Greene Cnty Commercial Bank	Catskill, New York	A	94	$1.1B	49.50%	0.00%
70	Adirondack Trust Co	Saratoga Springs, New York	A	94	$1.6B	15.10%	0.25%
71	Park State Bank	Duluth, Minnesota	A	94	$1.4B	13.82%	0.33%
72	Cass Commercial Bank	Des Peres, Missouri	A	93	$1.3B	17.07%	0.00%
73	First Stb of the Fl Keys	Key West, Florida	A	93	$1.2B	16.95%	0.23%
74	Texas Exchange Bank	Crowley, Texas	A	93	$3.9B	19.90%	1.25%
75	Bank of Guam	Hagatna, Guam	A	93	$2.5B	14.40%	0.50%
76	Bank of Tampa	Tampa, Florida	A	93	$2.9B	14.22%	0.28%
77	Southwest Missouri Bank	Carthage, Missouri	A	93	$1.1B	15.16%	0.24%
78	First Southern National Bank	Lancaster, Kentucky	A	93	$1.2B	14.76%	0.98%
79	Penn Community Bank	Doylestown, Pennsylvania	A	93	$3.0B	17.29%	0.06%
80	First Northern Bank of Dixon	Dixon, California	A	93	$1.9B	15.44%	0.64%
81	Auburnbank	Auburn, Alabama	A	93	$1.0B	14.47%	0.14%
82	Amalgamated Bank	New York, New York	A	93	$8.3B	14.34%	0.80%
83	National Bank of Blacksburg	Blacksburg, Virginia	A	93	$1.8B	16.32%	0.28%
84	Middlesex Savings Bank	Natick, Massachusetts	A	93	$6.0B	16.62%	0.09%
85	Fidelity Bank	Fuquay Varina, North Carolina	A	92	$3.9B	13.63%	0.64%
86	Union Bank Co	Columbus Grove, Ohio	A	92	$1.1B	15.51%	0.32%
87	Croghan Colonial Bank	Fremont, Ohio	A	92	$1.1B	13.92%	0.17%
88	Dakota Community B&T NA	Hebron, North Dakota	A	92	$1.2B	13.13%	0.06%
89	Jd Bank	Jennings, Louisiana	A	92	$1.2B	15.80%	0.94%
90	German American Bank	Jasper, Indiana	A	92	$6.2B	13.72%	0.18%
91	Five Points Bank	Grand Island, Nebraska	A	92	$2.0B	13.56%	0.06%
92	Community National Bank	Midland, Texas	A	92	$2.2B	13.71%	0.47%
93	Traditional Bank INC	Mount Sterling, Kentucky	A	92	$2.3B	14.32%	0.14%
94	Star Financial Bank	Fort Wayne, Indiana	A	92	$3.0B	13.83%	0.27%
95	Sturdy Savings Bank	Stone Harbor, New Jersey	A	92	$1.1B	14.80%	0.11%
96	Verabank National Assn	Henderson, Texas	A	92	$4.1B	14.65%	0.29%
97	Horizon Bank SSB	Austin, Texas	A	92	$2.4B	12.62%	0.00%
98	Whitaker Bank	Lexington, Kentucky	A	92	$1.9B	13.23%	0.12%
99	First Nb of Central Texas	Waco, Texas	A	92	$1.6B	15.36%	0.34%
100	Heritage Bank of Commerce	San Jose, California	A	92	$5.3B	13.91%	0.18%
101	Wex Bank	Sandy, Utah	A	92	$7.6B	13.10%	0.55%
102	Security Nb of Sioux City Ia	Sioux City, Iowa	A	92	$1.6B	12.36%	0.05%
103	Extraco Banks National Assn	Temple, Texas	A	92	$2.4B	14.12%	0.10%
104	Ffb Bank	Fresno, California	A	92	$1.4B	19.67%	1.27%
105	Finemark National Bank&Trust	Fort Myers, Florida	A	92	$4.1B	17.26%	0.04%
106	Acnb Bank	Gettysburg, Pennsylvania	A	92	$2.4B	15.42%	0.19%
107	Grove Bank&Trust	Miami, Florida	A	92	$1.2B	17.17%	0.00%
108	Cashmere Valley Bank	Cashmere, Washington	A	91	$2.1B	12.71%	0.23%
109	Farmers&Merchants Bk Cntl Ca	Lodi, California	A	91	$5.3B	13.33%	0.00%
110	Southern Bcorp Bank	Arkadelphia, Arkansas	A	91	$2.6B	18.41%	0.75%
111	Rcb Bank	Claremore, Oklahoma	A	91	$4.0B	14.32%	0.48%
112	Chelsea Groton Bank	Groton, Connecticut	A	91	$1.7B	19.90%	0.19%
113	Colony Bank	Fitzgerald, Georgia	A	91	$3.0B	13.85%	0.35%
114	Texas First Bank	Texas City, Texas	A	91	$2.2B	13.66%	0.28%
115	Interaudi Bank	New York, New York	A	91	$2.3B	19.76%	1.10%
116	Territorial Savings Bank	Honolulu, Hawaii	A	91	$2.2B	26.55%	0.09%
117	Helm Bank USA	Miami, Florida	A	91	$1.0B	29.08%	0.95%
118	National Bank of Inpolis	Indianapolis, Indiana	A	91	$2.8B	12.94%	0.06%
119	Bcorp Bank National Assn	Sioux Falls, South Dakota	A	91	$8.1B	15.69%	0.60%
120	Superior National Bank	Hancock, Michigan	A	91	$1.0B	16.13%	0.42%
121	Amboy Bank	Old Bridge, New Jersey	A	91	$2.6B	15.94%	0.40%
122	First American Bank&Trust	Vacherie, Louisiana	A	91	$1.3B	22.74%	0.90%
123	One Bank of Tennessee	Cookeville, Tennessee	A	91	$1.6B	12.68%	0.01%
124	Yellowstone Bank	Laurel, Montana	A	90	$1.4B	11.54%	0.15%
125	Liberty Bank&Trust Co	New Orleans, Louisiana	A	90	$1.1B	15.65%	1.22%
126	Independence Bank	Havre, Montana	A	90	$1.2B	14.68%	0.12%
127	Armstrong Bank	Muskogee, Oklahoma	A	90	$2.4B	14.46%	0.45%
128	Habib American Bank	New York, New York	A	90	$2.8B	13.80%	0.31%
129	Piedmont FSB	Winston Salem, North Carolina	A	90	$1.3B	18.63%	0.05%
130	First Fs&la of Greene Co	Waynesburg, Pennsylvania	A	90	$1.0B	33.46%	0.58%
131	Community Bank of Ms	Flowood, Mississippi	A	90	$4.8B	14.31%	0.37%
132	South Shore Bank	South Weymouth, Massachusetts	A	90	$2.2B	14.27%	0.19%
133	Coml&Svg Bk Millersburg Oh	Millersburg, Ohio	A	90	$1.2B	15.14%	0.93%
134	Choiceone Bank	Sparta, Michigan	A	89	$2.6B	12.50%	0.14%
135	Southern Bank&Trust Co	Mount Olive, North Carolina	A	89	$4.8B	12.49%	0.21%
136	Stockman Bank of Montana	Miles City, Montana	A	89	$6.4B	12.44%	0.23%
137	Anb Bank	Denver, Colorado	A	89	$3.0B	13.51%	0.14%
138	Texasbank	Brownwood, Texas	A	89	$2.3B	16.87%	0.76%
139	Citizens National Bank	Sevierville, Tennessee	A	89	$1.7B	13.52%	0.00%
140	Queensborough Nb&T Co	Louisville, Georgia	A	89	$2.0B	13.95%	0.77%
141	Alpine Bank	Glenwood Springs, Colorado	A	89	$6.5B	14.00%	0.66%
142	Nbkc Bank	Leawood, Kansas	A	89	$1.1B	23.85%	0.50%
143	Wells Fargo Bank S Cntl NA	Houston, Texas	A	89	$3.8B	53.33%	1.39%
144	Union County Savings Bank	Elizabeth, New Jersey	A	88	$1.5B	28.93%	0.29%
145	First United Bank	Dimmitt, Texas	A	88	$2.2B	15.50%	1.66%
146	Broadway National Bank	San Antonio, Texas	A	88	$5.7B	13.30%	0.53%
147	Bank of Utah	Ogden, Utah	A	88	$3.3B	16.79%	0.00%
148	Dime Bank	Norwich, Connecticut	A	88	$1.1B	15.83%	0.18%
149	First Nb of Tennessee	Livingston, Tennessee	A	88	$1.3B	11.19%	0.16%
150	Bank of the Sierra	Porterville, California	A	88	$3.7B	11.60%	0.29%
151	American Nb of Texas	Terrell, Texas	A	88	$5.5B	13.01%	0.12%
152	Texas Regional Bank	Harlingen, Texas	A	88	$2.7B	13.48%	0.35%
153	Timberland Bank	Hoquiam, Washington	A	88	$1.9B	17.93%	0.29%
154	Security Federal Bank	Aiken, South Carolina	A	88	$1.5B	18.24%	1.07%
155	Allied Irish Banks	New York, New York	A	88	$1.4B	Not reported	0.00%
156	Mashreqbank Psc	New York, New York	A	88	$3.6B	Not reported	0.00%
157	American Business Bank	Los Angeles, California	A	88	$3.9B	11.94%	0.26%
158	Stride Bank National Assn	Enid, Oklahoma	A	88	$4.0B	18.18%	0.78%
159	Security Bank of Kansas City	Kansas City, Kansas	A	88	$3.7B	11.61%	0.03%
160	Citizens Nb of Meridian	Meridian, Mississippi	A	88	$1.7B	13.96%	0.73%
161	Esquire Bank National Assn	Jericho, New York	A	88	$1.7B	14.89%	0.87%
162	Signature Bank	Rosemont, Illinois	A	88	$2.0B	14.50%	1.72%
163	Chesapeake Bank	Kilmarnock, Virginia	A	88	$1.5B	12.28%	0.14%
164	Ephrata National Bank	Ephrata, Pennsylvania	A	88	$2.0B	13.52%	0.32%
165	Planters Bank&Trust Co	Indianola, Mississippi	A	88	$2.0B	13.39%	0.48%
166	Farmers&Merchants Tr Chamber	Chambersburg, Pennsylvania	A	88	$2.0B	12.27%	0.07%
167	1st Summit Bank	Johnstown, Pennsylvania	A	88	$1.4B	15.16%	0.60%
168	National Exchange Bank&Trust	Fond du Lac, Wisconsin	A	87	$2.8B	18.40%	2.03%
169	Builtwell Bank	Chattanooga, Tennessee	A	87	$1.8B	12.73%	0.54%
170	Citizens Bk Philadelphia Ms	Philadelphia, Mississippi	A	87	$1.5B	13.28%	0.57%
171	First Bank	St. Louis, Missouri	A	87	$6.6B	13.31%	0.28%
172	Orange Bank&Trust Co	Middletown, New York	A	87	$2.5B	13.84%	0.92%
173	Richwood Banking Co	Richwood, Ohio	A	87	$1.2B	12.74%	0.15%
174	American Bank of Commerce	Wolfforth, Texas	A	87	$1.4B	12.91%	0.38%
175	International Bk of Com	Laredo, Texas	A	87	$8.7B	19.11%	0.96%
176	Uwharrie Bank	Albemarle, North Carolina	A	87	$1.1B	11.78%	0.25%
177	Lendingclub Bank NA	Lehi, Utah	A	87	$9.4B	15.54%	1.25%
178	Crews Bank&Trust	Wauchula, Florida	A	87	$2.2B	10.55%	0.03%
179	First State Bank of Uvalde	Uvalde, Texas	A	87	$1.9B	28.45%	1.71%
180	Guaranty Bank&Trust N A	Mount Pleasant, Texas	A	86	$3.1B	14.82%	0.28%
181	Southstar Bank SSB	Moulton, Texas	A	86	$1.2B	17.15%	0.16%
182	Peoples Bank&Trust Co	Mcpherson, Kansas	A	86	$1.2B	11.68%	0.47%
183	Citizens Alliance Bank	Clara City, Minnesota	A	86	$1.6B	11.92%	0.48%
184	Adams Bank&Trust	Ogallala, Nebraska	A	86	$1.4B	11.67%	0.37%
185	Inwood National Bank	Dallas, Texas	A	86	$4.6B	13.72%	0.74%
186	Tri Counties Bank	Chico, California	A	86	$9.7B	13.81%	0.49%
187	West Texas National Bank	Midland, Texas	A	86	$2.4B	13.88%	1.56%
188	Community West Bank	Fresno, California	A	86	$3.5B	13.99%	0.13%
189	Bonvenu Bank National Assn	Bossier City, Louisiana	A	86	$1.5B	13.14%	0.09%
190	First FSB of Twin Falls	Twin Falls, Idaho	A	86	$1.6B	12.24%	0.04%
191	Rosedale Fs&La	Nottingham, Maryland	A	86	$1.3B	18.54%	0.51%
192	Riverview Bank	Vancouver, Washington	A	86	$1.5B	14.93%	0.04%
193	Pathward National Assn	Sioux Falls, South Dakota	A	86	$7.5B	13.02%	0.96%
194	Mizrahi Tefahot Bank Ltd	Los Angeles, California	A	86	$8.9B	Not reported	0.13%
195	Starion Bank	Bismarck, North Dakota	A	86	$1.9B	13.06%	0.39%
196	First Financial Bank NA	Terre Haute, Indiana	A	86	$4.9B	13.44%	0.50%
197	Intrust Bank National Assn	Wichita, Kansas	A	86	$7.1B	12.54%	0.45%
198	City Nb of Sulphur Springs	Sulphur Springs, Texas	A	86	$1.3B	14.16%	1.00%
199	First General Bank	Rowland Heights, California	A	86	$1.1B	23.34%	1.04%
200	Landmark National Bank	Manhattan, Kansas	A	86	$1.6B	12.72%	0.51%

Showing top 200 of 784 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 "mid-size banks" bank?

Banks with $1B to $10B in assets, strong regional and community banks. The FDIC and federal regulators draw size lines based on consolidated total assets reported on the quarterly Call Report. Currently 784 institutions fit this definition.

What is the average health score for mid-size banks?

Across 784 institutions in the Mid-Size Banks tier, the average Bank Health Score is 77/100, in solid B range. The typical bank here meets or exceeds regulatory capital minimums with room to spare and shows benign loan-loss trends. A-graded banks: 335. B-graded: 340. D or F-graded: 7.

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 mid-size 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 →Community 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 2026-06-29 · Data covers 784 mid-size banks. Informational only; not investment advice.