Updated April 2026 · FDIC Call Report Q2 2024

Mid-Size Banks

785 U.S. banks fit the mid-size banks definition, holding $2.2T in combined assets. The cohort posts an average Bank Health Score of 72/100, with a Tier 1 capital ratio averaging 11.80% and an NPL ratio of 0.62%.

Mega Banks (13)Large Banks (133)Mid-Size Banks (785)Community Banks (2,406)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	785
Combined assets	$2.2T
Average Health Score	72/100
Average Tier 1 capital ratio	11.80%
Average NPL ratio	0.62%
A-graded banks	277 (35%)
D or F-graded banks	78 (10%)

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	Mizuho Bank USA	New York, New York	A	100	$6.0B	23.00%	0.00%
2	Bessemer Trust Co NA	New York, New York	A	100	$2.7B	21.81%	0.00%
3	Texas Community Bank	Laredo, Texas	A	100	$2.0B	24.72%	0.04%
4	Sumitomo Mitsui Tr Bk U Sa	Hoboken, New Jersey	A	100	$3.5B	35.47%	0.00%
5	First Command Bank	Fort Worth, Texas	A	100	$1.0B	17.44%	0.07%
6	Macatawa Bank	Holland, Michigan	A	100	$2.7B	18.04%	0.01%
7	Bryant Bank	Tuscaloosa, Alabama	A	100	$2.5B	18.33%	0.07%
8	Chain Bridge Bank NA	Mclean, Virginia	A	100	$1.4B	28.76%	0.00%
9	Charles Schwab Trust Bank	Westlake, Texas	A	100	$9.5B	92.79%	0.00%
10	Farmers Bank&Trust	Great Bend, Kansas	A	99	$1.1B	23.80%	0.02%
11	Tib National Assn	Farmers Branch, Texas	A	99	$2.9B	17.31%	0.02%
12	Westamerica Bank	San Rafael, California	A	99	$6.3B	15.10%	0.19%
13	Armed Forces Bank NA	Fort Leavenworth, Kansas	A	99	$1.4B	20.47%	0.09%
14	Sutton Bank	Attica, Ohio	A	99	$2.2B	30.22%	0.13%
15	Bank of Stockton	Stockton, California	A	98	$4.3B	16.83%	0.14%
16	United Bank	Zebulon, Georgia	A	98	$2.1B	24.17%	0.28%
17	Safra Nb of New York	New York, New York	A	98	$10.0B	27.23%	0.01%
18	First National Bank Alaska	Anchorage, Alaska	A	97	$5.1B	19.66%	0.20%
19	Southside Bank	Tyler, Texas	A	97	$8.4B	15.26%	0.13%
20	Hcn Bank	Riverside, California	A	97	$1.0B	13.97%	0.00%
21	First American Trust FSB	Santa Ana, California	A	97	$6.4B	38.40%	0.00%
22	Rbc Bank Georgia NA	Atlanta, Georgia	A	97	$6.5B	36.35%	0.49%
23	Falcon International Bank	Laredo, Texas	A	97	$2.0B	20.27%	0.56%
24	Pegasus Bank	Dallas, Texas	A	97	$1.3B	14.86%	0.01%
25	Nodaway Valley Bank	Maryville, Missouri	A	97	$1.4B	14.01%	0.04%
26	Commercial Bank of Texas NA	Nacogdoches, Texas	A	96	$1.4B	14.71%	0.10%
27	Bank of Travelers Rest	Travelers Rest, South Carolina	A	96	$1.4B	14.73%	0.04%
28	Bankfirst	Norfolk, Nebraska	A	96	$1.1B	16.94%	0.63%
29	Conway National Bank	Conway, South Carolina	A	96	$1.8B	17.90%	0.10%
30	Peoples Bank of Alabama	Cullman, Alabama	A	96	$1.3B	14.06%	0.22%
31	Banco Do Brasil Americas	Miami, Florida	A	96	$2.8B	24.16%	0.74%
32	Oak Valley Community Bank	Oakdale, California	A	96	$1.8B	14.13%	0.00%
33	Pacific Coast Bankers Bank	Walnut Creek, California	A	96	$1.2B	27.24%	0.00%
34	Principal Bank	Des Moines, Iowa	A	96	$8.7B	17.87%	0.48%
35	First Premier Bank	Sioux Falls, South Dakota	A	96	$3.0B	18.09%	0.06%
36	Commercial Bank&Trust Co	Paris, Tennessee	A	96	$1.0B	19.80%	0.03%
37	Amalgamated Bank of Chicago	Chicago, Illinois	A	96	$1.2B	14.98%	0.02%
38	City Nb of West Virginia	Charleston, West Virginia	A	95	$6.3B	15.17%	0.23%
39	Heartland Bank&Trust Co	Bloomington, Illinois	A	95	$5.0B	14.61%	0.25%
40	Bank of Greene County	Catskill, New York	A	95	$2.8B	15.86%	0.25%
41	Bank of the Pacific	Aberdeen, Washington	A	95	$1.1B	16.37%	0.19%
42	Plumas Bank	Quincy, California	A	95	$1.6B	16.36%	0.90%
43	Bank of Ny Mellon Tr Co NA	Los Angeles, California	A	95	$1.3B	328.90%	0.00%
44	Pacific National Bank	Miami, Florida	A	95	$1.2B	16.25%	0.02%
45	El Dorado Savings Bank FSB	Placerville, California	A	95	$2.4B	45.64%	0.21%
46	Red River Bank	Alexandria, Louisiana	A	95	$3.0B	16.64%	0.16%
47	American Heritage Bank	Sapulpa, Oklahoma	A	95	$1.5B	23.93%	0.04%
48	Commerce West Bank	Irvine, California	A	95	$1.1B	18.41%	0.66%
49	Kitsap Bank	Port Orchard, Washington	A	95	$1.7B	15.56%	0.00%
50	First Nb&T Co of Newtown	Newtown, Pennsylvania	A	95	$1.1B	26.77%	0.55%
51	Capital City Bank	Tallahassee, Florida	A	95	$4.2B	14.51%	0.20%
52	Evolve Bank&Trust	West Memphis, Arkansas	A	94	$1.7B	14.79%	0.46%
53	Bank of Colorado	Fort Collins, Colorado	A	94	$7.7B	14.38%	0.02%
54	Community Nb&T of Texas	Corsicana, Texas	A	94	$1.3B	15.21%	0.05%
55	Citizens Bank of Las Cruces	Las Cruces, New Mexico	A	94	$1.0B	13.64%	0.00%
56	Pinnacle Bank Wyoming	Cody, Wyoming	A	94	$1.4B	15.46%	0.47%
57	Lone Star National Bank	Pharr, Texas	A	94	$3.0B	20.90%	0.58%
58	Toyota Financial Sb	Henderson, Nevada	A	94	$6.3B	29.10%	0.01%
59	Greene Cnty Commercial Bank	Catskill, New York	A	94	$1.1B	49.50%	0.00%
60	Adirondack Trust Co	Saratoga Springs, New York	A	94	$1.6B	15.10%	0.25%
61	Park State Bank	Duluth, Minnesota	A	94	$1.4B	13.82%	0.33%
62	Cass Commercial Bank	Des Peres, Missouri	A	93	$1.3B	17.07%	0.00%
63	First Stb of the Fl Keys	Key West, Florida	A	93	$1.2B	16.95%	0.23%
64	Texas Exchange Bank	Crowley, Texas	A	93	$3.9B	19.90%	1.25%
65	Bank of Guam	Hagatna, Guam	A	93	$2.5B	14.40%	0.50%
66	Bank of Tampa	Tampa, Florida	A	93	$2.9B	14.22%	0.28%
67	Southwest Missouri Bank	Carthage, Missouri	A	93	$1.1B	15.16%	0.24%
68	First Southern National Bank	Lancaster, Kentucky	A	93	$1.2B	14.76%	0.98%
69	Penn Community Bank	Doylestown, Pennsylvania	A	93	$3.0B	17.29%	0.06%
70	First Northern Bank of Dixon	Dixon, California	A	93	$1.9B	15.44%	0.64%
71	Auburnbank	Auburn, Alabama	A	93	$1.0B	14.47%	0.14%
72	Amalgamated Bank	New York, New York	A	93	$8.3B	14.34%	0.80%
73	National Bank of Blacksburg	Blacksburg, Virginia	A	93	$1.8B	16.32%	0.28%
74	Middlesex Savings Bank	Natick, Massachusetts	A	93	$6.0B	16.62%	0.09%
75	Fidelity Bank	Fuquay Varina, North Carolina	A	92	$3.9B	13.63%	0.64%
76	Union Bank Co	Columbus Grove, Ohio	A	92	$1.1B	15.51%	0.32%
77	Croghan Colonial Bank	Fremont, Ohio	A	92	$1.1B	13.92%	0.17%
78	Dakota Community B&T NA	Hebron, North Dakota	A	92	$1.2B	13.13%	0.06%
79	Jd Bank	Jennings, Louisiana	A	92	$1.2B	15.80%	0.94%
80	German American Bank	Jasper, Indiana	A	92	$6.2B	13.72%	0.18%
81	Five Points Bank	Grand Island, Nebraska	A	92	$2.0B	13.56%	0.06%
82	Community National Bank	Midland, Texas	A	92	$2.2B	13.71%	0.47%
83	Traditional Bank INC	Mount Sterling, Kentucky	A	92	$2.3B	14.32%	0.14%
84	Star Financial Bank	Fort Wayne, Indiana	A	92	$3.0B	13.83%	0.27%
85	Sturdy Savings Bank	Stone Harbor, New Jersey	A	92	$1.1B	14.80%	0.11%
86	Verabank National Assn	Henderson, Texas	A	92	$4.1B	14.65%	0.29%
87	Horizon Bank SSB	Austin, Texas	A	92	$2.4B	12.62%	0.00%
88	First Nb of Central Texas	Waco, Texas	A	92	$1.6B	15.36%	0.34%
89	Heritage Bank of Commerce	San Jose, California	A	92	$5.3B	13.91%	0.18%
90	Wex Bank	Sandy, Utah	A	92	$7.6B	13.10%	0.55%
91	Extraco Banks National Assn	Temple, Texas	A	92	$2.4B	14.12%	0.10%
92	Ffb Bank	Fresno, California	A	92	$1.4B	19.67%	1.27%
93	Finemark National Bank&Trust	Fort Myers, Florida	A	92	$4.1B	17.26%	0.04%
94	Acnb Bank	Gettysburg, Pennsylvania	A	92	$2.4B	15.42%	0.19%
95	Grove Bank&Trust	Miami, Florida	A	92	$1.2B	17.17%	0.00%
96	Farmers&Merchants Bk Cntl Ca	Lodi, California	A	91	$5.3B	13.33%	0.00%
97	Southern Bcorp Bank	Arkadelphia, Arkansas	A	91	$2.6B	18.41%	0.75%
98	Rcb Bank	Claremore, Oklahoma	A	91	$4.0B	14.32%	0.48%
99	Chelsea Groton Bank	Groton, Connecticut	A	91	$1.7B	19.90%	0.19%
100	Colony Bank	Fitzgerald, Georgia	A	91	$3.0B	13.85%	0.35%
101	Texas First Bank	Texas City, Texas	A	91	$2.2B	13.66%	0.28%
102	Interaudi Bank	New York, New York	A	91	$2.3B	19.76%	1.10%
103	Territorial Savings Bank	Honolulu, Hawaii	A	91	$2.2B	26.55%	0.09%
104	Helm Bank USA	Miami, Florida	A	91	$1.0B	29.08%	0.95%
105	National Bank of Inpolis	Indianapolis, Indiana	A	91	$2.8B	12.94%	0.06%
106	Bcorp Bank National Assn	Sioux Falls, South Dakota	A	91	$8.1B	15.69%	0.60%
107	Superior National Bank	Hancock, Michigan	A	91	$1.0B	16.13%	0.42%
108	Amboy Bank	Old Bridge, New Jersey	A	91	$2.6B	15.94%	0.40%
109	First American Bank&Trust	Vacherie, Louisiana	A	91	$1.3B	22.74%	0.90%
110	One Bank of Tennessee	Cookeville, Tennessee	A	91	$1.6B	12.68%	0.01%
111	Liberty Bank&Trust Co	New Orleans, Louisiana	A	90	$1.1B	15.65%	1.22%
112	Independence Bank	Havre, Montana	A	90	$1.2B	14.68%	0.12%
113	Armstrong Bank	Muskogee, Oklahoma	A	90	$2.4B	14.46%	0.45%
114	Habib American Bank	New York, New York	A	90	$2.8B	13.80%	0.31%
115	First Fs&la of Greene Co	Waynesburg, Pennsylvania	A	90	$1.0B	33.46%	0.58%
116	Community Bank of Ms	Flowood, Mississippi	A	90	$4.8B	14.31%	0.37%
117	South Shore Bank	South Weymouth, Massachusetts	A	90	$2.2B	14.27%	0.19%
118	Coml&Svg Bk Millersburg Oh	Millersburg, Ohio	A	90	$1.2B	15.14%	0.93%
119	Choiceone Bank	Sparta, Michigan	A	89	$2.6B	12.50%	0.14%
120	Southern Bank&Trust Co	Mount Olive, North Carolina	A	89	$4.8B	12.49%	0.21%
121	Stockman Bank of Montana	Miles City, Montana	A	89	$6.4B	12.44%	0.23%
122	Anb Bank	Denver, Colorado	A	89	$3.0B	13.51%	0.14%
123	Texasbank	Brownwood, Texas	A	89	$2.3B	16.87%	0.76%
124	Citizens National Bank	Sevierville, Tennessee	A	89	$1.7B	13.52%	0.00%
125	Queensborough Nb&T Co	Louisville, Georgia	A	89	$2.0B	13.95%	0.77%
126	Alpine Bank	Glenwood Springs, Colorado	A	89	$6.5B	14.00%	0.66%
127	Nbkc Bank	Leawood, Kansas	A	89	$1.1B	23.85%	0.50%
128	Wells Fargo Bank S Cntl NA	Houston, Texas	A	89	$3.8B	53.33%	1.39%
129	Union County Savings Bank	Elizabeth, New Jersey	A	88	$1.5B	28.93%	0.29%
130	First United Bank	Dimmitt, Texas	A	88	$2.2B	15.50%	1.66%
131	Broadway National Bank	San Antonio, Texas	A	88	$5.7B	13.30%	0.53%
132	Bank of Utah	Ogden, Utah	A	88	$3.3B	16.79%	0.00%
133	Dime Bank	Norwich, Connecticut	A	88	$1.1B	15.83%	0.18%
134	American Nb of Texas	Terrell, Texas	A	88	$5.5B	13.01%	0.12%
135	Texas Regional Bank	Harlingen, Texas	A	88	$2.7B	13.48%	0.35%
136	Timberland Bank	Hoquiam, Washington	A	88	$1.9B	17.93%	0.29%
137	Security Federal Bank	Aiken, South Carolina	A	88	$1.5B	18.24%	1.07%
138	American Business Bank	Los Angeles, California	A	88	$3.9B	11.94%	0.26%
139	Stride Bank National Assn	Enid, Oklahoma	A	88	$4.0B	18.18%	0.78%
140	Citizens Nb of Meridian	Meridian, Mississippi	A	88	$1.7B	13.96%	0.73%
141	Esquire Bank National Assn	Jericho, New York	A	88	$1.7B	14.89%	0.87%
142	Signature Bank	Rosemont, Illinois	A	88	$2.0B	14.50%	1.72%
143	Chesapeake Bank	Kilmarnock, Virginia	A	88	$1.5B	12.28%	0.14%
144	Ephrata National Bank	Ephrata, Pennsylvania	A	88	$2.0B	13.52%	0.32%
145	Planters Bank&Trust Co	Indianola, Mississippi	A	88	$2.0B	13.39%	0.48%
146	Farmers&Merchants Tr Chamber	Chambersburg, Pennsylvania	A	88	$2.0B	12.27%	0.07%
147	1st Summit Bank	Johnstown, Pennsylvania	A	88	$1.4B	15.16%	0.60%
148	Builtwell Bank	Chattanooga, Tennessee	A	87	$1.8B	12.73%	0.54%
149	Citizens Bk Philadelphia Ms	Philadelphia, Mississippi	A	87	$1.5B	13.28%	0.57%
150	First Bank	St. Louis, Missouri	A	87	$6.6B	13.31%	0.28%
151	Orange Bank&Trust Co	Middletown, New York	A	87	$2.5B	13.84%	0.92%
152	Richwood Banking Co	Richwood, Ohio	A	87	$1.2B	12.74%	0.15%
153	American Bank of Commerce	Wolfforth, Texas	A	87	$1.4B	12.91%	0.38%
154	International Bk of Com	Laredo, Texas	A	87	$8.7B	19.11%	0.96%
155	Uwharrie Bank	Albemarle, North Carolina	A	87	$1.1B	11.78%	0.25%
156	Lendingclub Bank NA	Lehi, Utah	A	87	$9.4B	15.54%	1.25%
157	First State Bank of Uvalde	Uvalde, Texas	A	87	$1.9B	28.45%	1.71%
158	Guaranty Bank&Trust N A	Mount Pleasant, Texas	A	86	$3.1B	14.82%	0.28%
159	Southstar Bank SSB	Moulton, Texas	A	86	$1.2B	17.15%	0.16%
160	Peoples Bank&Trust Co	Mcpherson, Kansas	A	86	$1.2B	11.68%	0.47%
161	Citizens Alliance Bank	Clara City, Minnesota	A	86	$1.6B	11.92%	0.48%
162	Inwood National Bank	Dallas, Texas	A	86	$4.6B	13.72%	0.74%
163	Tri Counties Bank	Chico, California	A	86	$9.7B	13.81%	0.49%
164	West Texas National Bank	Midland, Texas	A	86	$2.4B	13.88%	1.56%
165	Community West Bank	Fresno, California	A	86	$3.5B	13.99%	0.13%
166	Bonvenu Bank National Assn	Bossier City, Louisiana	A	86	$1.5B	13.14%	0.09%
167	First FSB of Twin Falls	Twin Falls, Idaho	A	86	$1.6B	12.24%	0.04%
168	Riverview Bank	Vancouver, Washington	A	86	$1.5B	14.93%	0.04%
169	Pathward National Assn	Sioux Falls, South Dakota	A	86	$7.5B	13.02%	0.96%
170	Starion Bank	Bismarck, North Dakota	A	86	$1.9B	13.06%	0.39%
171	First Financial Bank NA	Terre Haute, Indiana	A	86	$4.9B	13.44%	0.50%
172	Intrust Bank National Assn	Wichita, Kansas	A	86	$7.1B	12.54%	0.45%
173	City Nb of Sulphur Springs	Sulphur Springs, Texas	A	86	$1.3B	14.16%	1.00%
174	Landmark National Bank	Manhattan, Kansas	A	86	$1.6B	12.72%	0.51%
175	Bank of Central Florida	Lakeland, Florida	A	86	$1.1B	11.55%	0.02%
176	First Keystone Cmty Bank	Berwick, Pennsylvania	A	86	$1.4B	15.07%	0.53%
177	Unibank for Savings	Whitinsville, Massachusetts	A	86	$2.7B	13.11%	0.21%
178	Fidelity Deposit&Discount Bk	Dunmore, Pennsylvania	A	85	$2.5B	13.43%	0.40%
179	First National Bank	Fort Pierre, South Dakota	A	85	$1.7B	24.50%	0.52%
180	Citizens Bank of Lafayette	Lafayette, Tennessee	A	85	$1.6B	13.24%	0.46%
181	Morris Bank	Dublin, Georgia	A	85	$1.4B	14.53%	0.38%
182	Morton Community Bank	Morton, Illinois	A	85	$5.5B	12.12%	0.75%
183	American Bank National Assn	Corpus Christi, Texas	A	85	$2.5B	12.72%	0.29%
184	Johnson Bank	Racine, Wisconsin	A	85	$6.4B	15.54%	0.16%
185	Pioneer Bank National Assn	Albany, New York	A	85	$1.9B	18.40%	0.66%
186	First National Bank Texas	Killeen, Texas	A	85	$4.2B	21.25%	1.80%
187	Pointbank	Pilot Point, Texas	A	85	$1.0B	14.63%	1.59%
188	Webbank	Salt Lake City, Utah	A	85	$2.2B	17.09%	0.43%
189	Santa Cruz County Bank	Santa Cruz, California	A	85	$1.7B	14.93%	0.00%
190	United Business Bank	Walnut Creek, California	A	85	$2.6B	17.47%	0.86%
191	John Marshall Bank	Reston, Virginia	A	85	$2.3B	15.39%	0.00%
192	Northway Bank	Berlin, New Hampshire	A	84	$1.3B	14.75%	0.38%
193	Cbi Bank&Trust	Muscatine, Iowa	A	84	$1.6B	11.98%	0.42%
194	First Bankers Trust Co NA	Quincy, Illinois	A	84	$1.1B	14.99%	1.68%
195	Bank of Idaho	Idaho Falls, Idaho	A	84	$1.3B	13.58%	0.54%
196	Wilson Bank&Trust	Lebanon, Tennessee	A	84	$5.0B	13.37%	0.02%
197	Virginia National Bank	Charlottesville, Virginia	A	84	$1.6B	17.65%	0.34%
198	North American Banking Co	Roseville, Minnesota	A	84	$1.2B	13.64%	1.04%
199	Farm Bureau Bank FSB	Reno, Nevada	A	84	$1.2B	12.37%	0.40%
200	Dieterich Bank	Effingham, Illinois	A	84	$1.5B	11.51%	0.24%

Showing top 200 of 785 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 785 institutions fit this definition.

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

Across 785 institutions in the Mid-Size Banks tier, the average Bank Health Score is 72/100, 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: 277. B-graded: 275. D or F-graded: 78.

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 2026-04-06 · Data covers 785 mid-size banks. Informational only; not investment advice.