Updated April 2026 · FDIC Call Report Q2 2024

Small Banks

623 U.S. banks fit the small banks definition, holding $37.1B in combined assets. The cohort posts an average Bank Health Score of 68/100, with a Tier 1 capital ratio averaging 17.46% and an NPL ratio of 0.93%.

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

What Defines This Tier

Small banks — under $100 million in assets — are the long tail of U.S. banking: thrifts, savings institutions, and tiny community banks often serving rural or specialized populations. Many qualify for the simplified Community Bank Leverage Ratio framework. Because their balance sheets are concentrated and their capital base is small in absolute terms, even modest credit shocks can move ratios materially quarter-to-quarter — but they also tend to run conservatively, with high capital ratios and low leverage.

Tier-Wide Snapshot

Banks in tier	623
Combined assets	$37.1B
Average Health Score	68/100
Average Tier 1 capital ratio	17.46%
Average NPL ratio	0.93%
A-graded banks	211 (34%)
D or F-graded banks	106 (17%)

Strengths and Risks in This Tier

Strengths in this tier: extremely conservative balance sheets, very high capital ratios (often well into the teens), and direct accountability to local depositors. Their small absolute size makes them easier to supervise and easier to resolve cleanly if needed.

Risks to watch: extreme loan concentration (a few large credits dominating the book), lack of diversification across product lines, and key-person risk in management. The flip side of conservative balance sheets is that small banks have less margin to absorb a single bad credit. Earnings can also be lumpy quarter-to-quarter from a single loan-loss provision.

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 Small 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	Welcome State Bank	Welcome, Minnesota	A	100	$40M	18.84%	0.02%
3	Zavala County Bank	Crystal City, Texas	A	100	$77M	63.42%	0.00%
4	Bank of Bearden	Bearden, Arkansas	A	100	$69M	19.50%	0.00%
5	Boelus State Bank	Boelus, Nebraska	A	100	$23M	33.37%	0.00%
6	JPMorgan Chase Bank Dearborn	Dearborn, Michigan	A	100	$67M	507.89%	0.00%
7	Credit First National Assn	Brook Park, Ohio	A	100	$40M	367.61%	0.00%
8	Cedar Hill National Bank	Charlotte, North Carolina	A	100	$15M	96.96%	0.00%
9	Thrivent Trust Co	Appleton, Wisconsin	A	100	$16M	288.00%	0.00%
10	Massmutual Trust Co	Windsor, Connecticut	A	100	$91M	51.17%	0.00%
11	Davidson Trust Co	Great Falls, Montana	A	100	$11M	195.89%	0.00%
12	Country Trust Bank	Bloomington, Illinois	A	100	$35M	117.02%	0.00%
13	Everence Trust Co	Goshen, Indiana	A	100	$14M	138.45%	0.00%
14	National Advisors Trust Co	Kansas City, Missouri	A	100	$21M	280.61%	0.00%
15	Emigrant Mercantile Bank	New York, New York	A	100	$3M	425.61%	0.00%
16	Gs&L Municipal Bank	Gouverneur, New York	A	100	$31M	152.56%	0.00%
17	Hart County Bank&Trust Co	Munfordville, Kentucky	A	99	$26M	38.42%	0.00%
18	Security State Bank of Oklee	Oklee, Minnesota	A	99	$44M	42.35%	0.00%
19	Farmers&Merchants Stb Bushne	Bushnell, Illinois	A	99	$85M	19.54%	0.09%
20	First Security Bank-Hendrick	Hendricks, Minnesota	A	99	$41M	27.71%	0.00%
21	Richland State Bank	Bruce, South Dakota	A	99	$42M	26.76%	0.24%
22	Haviland State Bank	Haviland, Kansas	A	99	$49M	19.93%	0.00%
23	Andes State Bank	Lake Andes, South Dakota	A	99	$26M	25.61%	0.00%
24	Kress National Bank	Kress, Texas	A	99	$50M	24.10%	0.00%
25	Siouxland Bank	South Sioux City, Nebraska	A	99	$83M	28.33%	0.00%
26	Menard Bank	Menard, Texas	A	99	$79M	20.39%	0.00%
27	Howard Stb Howard Kansas	Howard, Kansas	A	99	$72M	15.10%	0.20%
28	Marshall County State Bank	Newfolden, Minnesota	A	99	$40M	60.71%	0.00%
29	Peoples State Bank of Colfax	Colfax, Illinois	A	98	$44M	22.16%	0.00%
30	State Bk of Canton Canton Ks	Canton, Kansas	A	98	$34M	43.74%	0.00%
31	Scribner Bank	Scribner, Nebraska	A	98	$81M	21.88%	0.26%
32	Junction National Bank	Junction, Texas	A	98	$87M	33.72%	0.04%
33	Strasburg State Bank	Strasburg, North Dakota	A	98	$91M	15.22%	0.00%
34	Bank of Magnolia Co	Magnolia, Ohio	A	98	$98M	22.08%	0.05%
35	Bank of Jackson Hole Trust	Jackson, Wyoming	A	98	$41M	72.85%	0.00%
36	First National Bank of Anson	Anson, Texas	A	98	$71M	15.69%	0.26%
37	First Nb in Okeene	Okeene, Oklahoma	A	98	$81M	28.38%	0.00%
38	First Security Bank Canby	Canby, Minnesota	A	98	$79M	18.41%	0.40%
39	First Nb of Mcintosh	Mcintosh, Minnesota	A	98	$37M	53.94%	0.26%
40	Generations Commercial Bank	Seneca Falls, New York	A	98	$19M	226.87%	0.00%
41	Farmers State Bank of Emden	Emden, Illinois	A	97	$38M	55.89%	0.00%
42	First State Bank	Ness City, Kansas	A	97	$83M	22.49%	0.00%
43	First State Bank of St Peter	Saint Peter, Illinois	A	97	$30M	39.39%	0.18%
44	Swedish-American State Bank	Courtland, Kansas	A	97	$59M	17.55%	0.00%
45	Ipswich State Bank	Ipswich, South Dakota	A	97	$67M	30.12%	0.00%
46	Triumph State Bank	Trimont, Minnesota	A	97	$89M	16.00%	0.01%
47	First Bank of Celeste	Celeste, Texas	A	97	$78M	18.67%	0.00%
48	Sainte Marie State Bank	Sainte Marie, Illinois	A	96	$15M	40.05%	0.00%
49	First Central Nb of St Paris	St. Paris, Ohio	A	96	$93M	31.00%	0.00%
50	Boston Trust Walden Co	Boston, Massachusetts	A	96	$92M	59.06%	0.00%
51	Citizens Bank of Edinburg	Edinburg, Illinois	A	96	$30M	19.74%	0.00%
52	Latimer State Bank	Wilburton, Oklahoma	A	96	$67M	68.29%	0.62%
53	North Cambridge Coop Bank	Cambridge, Massachusetts	A	96	$83M	59.82%	0.00%
54	Pee Dee Federal Savings Bank	Marion, South Carolina	A	96	$38M	39.84%	0.00%
55	First National Bank of Lipan	Lipan, Texas	A	96	$27M	28.99%	0.00%
56	Global Innovations Bank	Kiester, Minnesota	A	96	$73M	22.54%	0.17%
57	State Bank of Industry	Industry, Illinois	A	95	$59M	20.75%	0.09%
58	Cbw Bank	Weir, Kansas	A	95	$83M	100.27%	0.00%
59	Bank of Lake Village	Lake Village, Arkansas	A	95	$84M	18.73%	0.48%
60	Old Exchange Nb of Okawville	Okawville, Illinois	A	95	$80M	22.67%	0.08%
61	First Nb of Fletcher	Fletcher, Oklahoma	A	95	$22M	19.71%	0.00%
62	State Bank of Spring Hill	Spring Hill, Kansas	A	95	$59M	25.66%	0.00%
63	State Bank of Chandler	Chandler, Minnesota	A	95	$65M	16.43%	0.00%
64	Kindred State Bank	Kindred, North Dakota	A	95	$39M	15.26%	0.33%
65	Citizens Stb of Milford	Milford, Illinois	A	95	$52M	14.58%	0.00%
66	State Bank of Jeffers	Jeffers, Minnesota	A	94	$36M	15.79%	0.22%
67	Donley County State Bank	Clarendon, Texas	A	94	$46M	54.42%	0.41%
68	First State Bank of Dongola	Dongola, Illinois	A	94	$31M	19.53%	0.20%
69	Oklahoma State Bank	Buffalo, Oklahoma	A	94	$60M	15.68%	0.29%
70	Integrity Bank	Fowler, Kansas	A	94	$80M	20.99%	0.03%
71	State Bank of Lakota	Lakota, North Dakota	A	94	$63M	15.01%	0.57%
72	Covington County Bank	Collins, Mississippi	A	94	$100M	17.81%	0.74%
73	Pavillion Bank	Richardson, Texas	A	94	$69M	22.70%	0.00%
74	First Nb of Manning	Manning, Iowa	A	94	$80M	33.01%	0.00%
75	BMO Harris Central NA	Roselle, Illinois	A	94	$8M	446.05%	0.00%
76	Bryant State Bank	Bryant, South Dakota	A	94	$49M	17.43%	0.41%
77	First Nb of Blanchester	Blanchester, Ohio	A	94	$77M	22.06%	0.13%
78	Peoples State Bank of Wells	Wells, Minnesota	A	94	$62M	14.22%	0.23%
79	United Minnesota Bank	New London, Minnesota	A	93	$50M	14.24%	0.88%
80	First State Bank of Van Orin	Van Orin, Illinois	A	93	$44M	24.53%	0.53%
81	Ashton State Bank	Ashton, Iowa	A	93	$55M	15.79%	0.30%
82	Anchor State Bank	Anchor, Illinois	A	93	$52M	16.60%	0.00%
83	Arlington State Bank	Arlington, Minnesota	A	93	$60M	24.44%	0.12%
84	Haskell National Bank	Haskell, Texas	A	93	$74M	28.91%	0.00%
85	Bank of Milan	Milan, Tennessee	A	93	$99M	14.17%	0.00%
86	Kinmundy Bank	Kinmundy, Illinois	A	93	$65M	19.00%	0.75%
87	First Nb of Okawville	Okawville, Illinois	A	93	$73M	18.72%	0.00%
88	First Nb of Primghar	Primghar, Iowa	A	93	$38M	17.92%	0.00%
89	Citizens Stb of Cheney Ks	Cheney, Kansas	A	93	$83M	12.69%	0.00%
90	First State Bank of Olmsted	Olmsted, Illinois	A	92	$73M	16.73%	0.72%
91	Camp Grove State Bank	Camp Grove, Illinois	A	92	$63M	18.10%	0.00%
92	Root River State Bank	Chatfield, Minnesota	A	92	$83M	19.41%	0.00%
93	Longview Community Bank	Mount Pulaski, Illinois	A	92	$100M	13.63%	0.24%
94	Ford County State Bank	Spearville, Kansas	A	92	$56M	16.99%	0.00%
95	Trust Bank	Lenox, Georgia	A	92	$41M	36.00%	1.39%
96	First Security Bank	Union Star, Missouri	A	92	$57M	13.62%	0.16%
97	Lake Country Community Bank	Morristown, Minnesota	A	92	$28M	24.84%	0.00%
98	Kansas Stb Overbrook Kansas	Overbrook, Kansas	A	92	$90M	18.28%	0.95%
99	Scottsburg Bldg&La	Scottsburg, Indiana	A	92	$77M	40.28%	0.00%
100	First Nb of Harveyville	Harveyville, Kansas	A	92	$16M	17.73%	0.11%
101	First Nb of Proctor	Proctor, Minnesota	A	92	$31M	22.81%	0.08%
102	Stanton State Bank	Stanton, Nebraska	A	92	$60M	16.13%	0.31%
103	Bank of Brewton	Brewton, Alabama	A	92	$46M	28.28%	0.00%
104	Bank of Edison	Edison, Georgia	A	92	$81M	13.99%	0.31%
105	Community First Bank NA	Forest, Ohio	A	92	$57M	19.48%	0.02%
106	Bank of Cattaraugus	Cattaraugus, New York	A	92	$29M	17.72%	0.93%
107	First State Bank of Ransom	Ransom, Kansas	A	91	$46M	36.97%	0.67%
108	Flat Branch Bank	Richmond, Missouri	A	91	$63M	40.02%	0.43%
109	Corn Growers State Bank	Murdock, Nebraska	A	91	$38M	14.28%	0.05%
110	First Stb of San Diego	San Diego, Texas	A	91	$73M	23.97%	0.70%
111	North County Savings Bank	Red Bud, Illinois	A	91	$64M	22.46%	0.00%
112	First Nb of Hebbronville	Hebbronville, Texas	A	91	$83M	45.97%	0.61%
113	Zenith Bank&Trust	Scottsdale, Arizona	A	91	$63M	195.27%	0.00%
114	Farmers State Bank of Turton	Turton, South Dakota	A	91	$38M	21.53%	0.00%
115	First Nb of Germantown	Germantown, Ohio	A	91	$90M	16.19%	0.08%
116	Cenbank	Buffalo Lake, Minnesota	A	91	$81M	12.44%	0.00%
117	Bank of Hancock County	Sparta, Georgia	A	90	$78M	36.59%	0.66%
118	State Bank of Cold Spring	Cold Spring, Minnesota	A	90	$89M	19.90%	0.72%
119	Red Rock Bank	Sanborn, Minnesota	A	90	$46M	15.71%	0.99%
120	Spur Security Bank	Spur, Texas	A	90	$89M	22.08%	0.00%
121	State Bank of Easton	Easton, Minnesota	A	90	$28M	19.37%	1.17%
122	Midland Community Bank	Kincaid, Illinois	A	90	$69M	19.87%	1.12%
123	Lovelady State Bank	Lovelady, Texas	A	90	$50M	22.82%	1.41%
124	Milton Savings Bank	Milton, Pennsylvania	A	90	$76M	48.02%	0.00%
125	Chester National Bank	Chester, Illinois	A	90	$77M	17.13%	0.00%
126	Jackson Savings Bank SSB	Sylva, North Carolina	A	90	$29M	53.35%	0.41%
127	Lemont National Bank	Lemont, Illinois	A	90	$55M	23.65%	0.00%
128	First Nb of Wakefield	Wakefield, Michigan	A	90	$54M	22.93%	0.66%
129	First Finl Bk in Winnebago	Winnebago, Minnesota	A	90	$60M	16.62%	0.22%
130	Genoa Community Bank	Genoa, Nebraska	A	90	$66M	16.03%	0.00%
131	Community Bank of Missouri	Richmond, Missouri	A	90	$80M	18.69%	1.62%
132	Integrity Bank for Business	Virginia Beach, Virginia	A	90	$91M	44.62%	0.00%
133	First State Bank of Red Wing	Red Wing, Minnesota	A	90	$80M	20.17%	0.20%
134	First Stb of Swanville	Swanville, Minnesota	A	90	$25M	20.92%	0.00%
135	Bank of Iberia	Iberia, Missouri	A	90	$68M	14.34%	0.54%
136	Grove Bank	Grove City, Minnesota	A	90	$54M	16.47%	0.46%
137	First State Bank of Fountain	Fountain, Minnesota	A	90	$38M	17.18%	0.00%
138	Bank of Holyrood	Holyrood, Kansas	A	90	$67M	25.11%	1.37%
139	Williamsville State B&T	Williamsville, Illinois	A	89	$98M	34.47%	0.99%
140	Farmers State Bank of Medora	Medora, Illinois	A	89	$22M	30.64%	0.53%
141	Transact Bank National Assn	Denver, Colorado	A	89	$7M	28.35%	0.00%
142	Sunnyside Fs&la of Irvington	Irvington, New York	A	89	$91M	22.14%	0.14%
143	Jackson Fs&La	Jackson, Minnesota	A	89	$28M	56.03%	0.17%
144	Clinton Bank	Clinton, Kentucky	A	89	$66M	25.37%	0.89%
145	Atlanta National Bank	Atlanta, Illinois	A	89	$72M	22.79%	0.58%
146	First Nb of Brownstown	Brownstown, Illinois	A	89	$55M	22.40%	1.15%
147	First Bank of Thomas	Thomas, Oklahoma	A	89	$51M	30.91%	1.18%
148	Community Bank of Oklahoma	Verden, Oklahoma	A	89	$74M	16.77%	1.73%
149	Community Unity Bank	Birmingham, Michigan	A	89	$49M	96.45%	0.00%
150	Northern Stb of Gonvick	Gonvick, Minnesota	A	88	$50M	52.92%	1.66%
151	Hopeton State Bank	Hopeton, Oklahoma	A	88	$26M	14.19%	0.00%
152	Kaw Valley State Bank	Eudora, Kansas	A	88	$79M	16.30%	1.36%
153	First Nb at St James	Saint James, Minnesota	A	88	$36M	13.45%	0.10%
154	Union Banking Co	West Mansfield, Ohio	A	88	$52M	35.73%	0.89%
155	Summit National Bank	Hulett, Wyoming	A	88	$94M	15.93%	0.32%
156	Second Fs&la of Philadelphia	Philadelphia, Pennsylvania	A	88	$39M	25.77%	0.00%
157	First Bank&Trust of Memphis	Memphis, Texas	A	88	$72M	17.97%	1.98%
158	Farmers&Merchants Bk Mound C	Mound City, Kansas	A	87	$56M	11.86%	0.09%
159	First State Bank of Cando	Cando, North Dakota	A	87	$72M	18.44%	1.13%
160	Battle Creek State Bank	Battle Creek, Nebraska	A	87	$42M	15.81%	0.00%
161	Dysart State Bank	Dysart, Iowa	A	87	$18M	14.99%	0.12%
162	Northern Stb of Virginia	Virginia, Minnesota	A	87	$99M	14.29%	0.00%
163	First Nb in Marlow	Marlow, Oklahoma	A	87	$72M	12.47%	0.00%
164	Martinsville First Sb	Martinsville, Virginia	A	87	$33M	30.96%	1.30%
165	Beardstown Savings S B	Beardstown, Illinois	A	87	$66M	20.03%	1.18%
166	Southwest Bk of Weatherford	Weatherford, Oklahoma	A	87	$77M	24.79%	2.09%
167	First Nb of Peterstown	Peterstown, West Virginia	A	87	$86M	24.84%	1.72%
168	Gerber State Bank	Argenta, Illinois	A	87	$87M	22.85%	1.58%
169	Bank of Maple Plain	Maple Plain, Minnesota	A	87	$93M	27.51%	1.30%
170	Marseilles Bank	Marseilles, Illinois	A	86	$75M	16.94%	0.82%
171	Boonville FSB	Boonville, Indiana	A	86	$72M	14.95%	1.13%
172	First Savings&Loan Assn	Mebane, North Carolina	A	86	$58M	53.61%	0.23%
173	Angelina Savings Bank SSB	Lufkin, Texas	A	86	$81M	24.28%	1.98%
174	First Nb of Kansas	Burlington, Kansas	A	86	$99M	16.83%	1.27%
175	Miners Nb of Eveleth	Eveleth, Minnesota	A	86	$87M	17.85%	0.00%
176	California Intl Bank N A	Westminster, California	A	86	$58M	38.65%	0.00%
177	Stearns Bank Upsala NA	Upsala, Minnesota	A	86	$63M	33.87%	0.32%
178	Dewey Bank	Dewey, Illinois	A	85	$29M	11.68%	0.00%
179	Peoples Bank of Altenburg	Altenburg, Missouri	A	85	$89M	12.06%	0.33%
180	First Naturalstate Bank	Mcgehee, Arkansas	A	85	$95M	23.79%	0.60%
181	First National Bank of Ava	Ava, Illinois	A	85	$72M	21.47%	1.69%
182	Citizens Stb at Mohall	Mohall, North Dakota	A	85	$72M	15.32%	0.79%
183	Pataskala Banking Co	Pataskala, Ohio	A	85	$40M	16.00%	1.56%
184	Fmb Bank	Wright City, Missouri	A	84	$52M	12.33%	0.01%
185	State Bank of Bellingham	Bellingham, Minnesota	A	84	$52M	19.77%	1.41%
186	Miners Exchange Bank	Coeburn, Virginia	A	84	$93M	21.74%	1.48%
187	Farmers&Traders Bk Campton	Campton, Kentucky	A	84	$66M	11.46%	0.33%
188	Ladysmith Fs&La	Ladysmith, Wisconsin	A	84	$90M	15.17%	0.73%
189	Stearns Bank Holdingford NA	Holdingford, Minnesota	A	83	$79M	34.69%	0.54%
190	Farmers State Bank of Canton	Canton, South Dakota	A	83	$63M	16.19%	1.07%
191	Citizens Nb of Hammond	Hammond, New York	A	83	$27M	16.26%	0.07%
192	Integrity Bank Plus	Wabasso, Minnesota	A	83	$90M	14.14%	1.00%
193	Peoples Stb Fairmount N D	Fairmount, North Dakota	A	83	$35M	11.83%	0.00%
194	Farmers Stb of Trimont	Trimont, Minnesota	A	83	$78M	22.69%	2.36%
195	Liberty Bank INC	Salt Lake City, Utah	A	83	$12M	20.17%	1.18%
196	Citizens Fs&La	Covington, Kentucky	A	83	$41M	57.44%	0.11%
197	Armstrong County Bldg&La	Ford City, Pennsylvania	A	83	$93M	30.36%	1.21%
198	Mayville Savings Bank	Mayville, Wisconsin	A	83	$70M	24.95%	0.61%
199	Homewood FSB	Baltimore, Maryland	A	83	$64M	44.47%	0.47%
200	Commonwealth National Bank	Mobile, Alabama	A	82	$68M	35.57%	1.54%

Showing top 200 of 623 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 "small banks" bank?

Banks with under $100M in assets, the smallest FDIC-insured institutions. The FDIC and federal regulators draw size lines based on consolidated total assets reported on the quarterly Call Report. Currently 623 institutions fit this definition.

What is the average health score for small banks?

Across 623 institutions in the Small Banks tier, the average Bank Health Score is 68/100, 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: 211. B-graded: 106. D or F-graded: 106.

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 small 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 →Community 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 623 small banks. Informational only; not investment advice.