Updated June 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 83/100, with a Tier 1 capital ratio averaging 30.35% and an NPL ratio of 0.93%.
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 | 83/100 |
| Average Tier 1 capital ratio | 30.35% |
| Average NPL ratio | 0.93% |
| A-graded banks | 420 (67%) |
| D or F-graded banks | 11 (2%) |
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 | Community Bank of Easton | Easton, Illinois | A | 100 | $39M | 25.86% | 0.00% |
| 7 | Bk San Jacinto Cnty Coldspri | Coldspring, Texas | A | 100 | $46M | 15.11% | 0.00% |
| 8 | JPMorgan Chase Bank Dearborn | Dearborn, Michigan | A | 100 | $67M | 507.89% | 0.00% |
| 9 | State Street B&T Co NA | New York, New York | A | 100 | $42M | 101.99% | 0.00% |
| 10 | Citicorp Trust Delaware NA | New Castle, Delaware | A | 100 | $25M | 92.95% | 0.00% |
| 11 | Brown Brothers Harriman Tr N | New York, New York | A | 100 | $14M | 59.94% | 0.00% |
| 12 | State Street B&T Co of Ca NA | Irvine, California | A | 100 | $9M | 100.35% | 0.00% |
| 13 | Rockefeller Trust Co NA | New York, New York | A | 100 | $15M | 89.63% | 0.00% |
| 14 | Associated Trust Co NA | Milwaukee, Wisconsin | A | 100 | $82M | 88.08% | 0.00% |
| 15 | First Financial Trust NA | Wakefield, Massachusetts | A | 100 | $16M | 88.41% | 0.00% |
| 16 | Citizens Nb of Crosbyton | Crosbyton, Texas | A | 100 | $65M | 17.35% | 0.00% |
| 17 | Trust Co of Toledo NA | Holland, Ohio | A | 100 | $7M | 100.58% | 0.00% |
| 18 | Credit First National Assn | Brook Park, Ohio | A | 100 | $40M | 367.61% | 0.00% |
| 19 | Raymond James Trust NA | Saint Petersburg, Florida | A | 100 | $67M | 85.98% | 0.00% |
| 20 | Private Trust Co NA | Cleveland, Ohio | A | 100 | $28M | 91.88% | 0.00% |
| 21 | Dsrm National Bank | Albuquerque, New Mexico | A | 100 | $4M | 85.14% | 0.00% |
| 22 | Cedar Hill National Bank | Charlotte, North Carolina | A | 100 | $15M | 96.96% | 0.00% |
| 23 | Its Bank | Johnston, Iowa | A | 100 | $34M | 105.42% | 0.00% |
| 24 | New Covenant Trust Co NA | Jeffersonville, Indiana | A | 100 | $8M | 87.02% | 0.00% |
| 25 | Thrivent Trust Co | Appleton, Wisconsin | A | 100 | $16M | 288.00% | 0.00% |
| 26 | Philadelphia Trust Co | Philadelphia, Pennsylvania | A | 100 | $25M | 70.06% | 0.00% |
| 27 | Fidelity Personal Tr Co FSB | Merrimack, New Hampshire | A | 100 | $84M | 100.50% | 0.00% |
| 28 | Old Point Trust&Finl Service | Newport News, Virginia | A | 100 | $7M | 88.48% | 0.00% |
| 29 | Massmutual Trust Co | Windsor, Connecticut | A | 100 | $91M | 51.17% | 0.00% |
| 30 | Bessemer Tr Co of Ca NA | San Francisco, California | A | 100 | $15M | 99.11% | 0.00% |
| 31 | Davidson Trust Co | Great Falls, Montana | A | 100 | $11M | 195.89% | 0.00% |
| 32 | Country Trust Bank | Bloomington, Illinois | A | 100 | $35M | 117.02% | 0.00% |
| 33 | Security National Trust Co | Wheeling, West Virginia | A | 100 | $8M | 101.17% | 0.00% |
| 34 | Everence Trust Co | Goshen, Indiana | A | 100 | $14M | 138.45% | 0.00% |
| 35 | Wheaton College Trust Co NA | Wheaton, Illinois | A | 100 | $4M | 95.88% | 0.00% |
| 36 | National Advisors Trust Co | Kansas City, Missouri | A | 100 | $21M | 280.61% | 0.00% |
| 37 | First Community Trust NA | Dubuque, Iowa | A | 100 | $14M | 91.45% | 0.00% |
| 38 | Legacy Trust Co N A | Houston, Texas | A | 100 | $34M | 82.72% | 0.00% |
| 39 | Cetera Trust Co NA | St. Paul, Minnesota | A | 100 | $17M | 87.57% | 0.00% |
| 40 | Plante Moran Trust NA | Southfield, Michigan | A | 100 | $17M | 86.36% | 0.00% |
| 41 | First Finl Trust&Asset Mgnt | Abilene, Texas | A | 100 | $64M | 103.59% | 0.00% |
| 42 | First National Trust Co | Hermitage, Pennsylvania | A | 100 | $46M | 84.63% | 0.00% |
| 43 | Emigrant Mercantile Bank | New York, New York | A | 100 | $3M | 425.61% | 0.00% |
| 44 | Bessemer Tr Co of de NA | Wilmington, Delaware | A | 100 | $32M | 71.15% | 0.00% |
| 45 | HSBC Trust Co Delaware NA | Wilmington, Delaware | A | 100 | $58M | 97.38% | 0.00% |
| 46 | Evercore Trust Co NA | New York, New York | A | 100 | $14M | 99.09% | 0.00% |
| 47 | Canandaigua Natl Tr Co of Fl | Sarasota, Florida | A | 100 | $5M | 102.39% | 0.00% |
| 48 | Key National Tr Co of De | Wilmington, Delaware | A | 100 | $8M | 100.26% | 0.00% |
| 49 | Adp Trust Co National Assn | Wilmington, Delaware | A | 100 | $44M | 96.46% | 0.00% |
| 50 | Chilton Trust Co NA | Palm Beach, Florida | A | 100 | $28M | 76.45% | 0.00% |
| 51 | Anchorage Digital Bank NA | Sioux Falls, South Dakota | A | 100 | $52M | 84.52% | 0.00% |
| 52 | Gs&L Municipal Bank | Gouverneur, New York | A | 100 | $31M | 152.56% | 0.00% |
| 53 | Dayforce National Trust Bank | Bloomington, Minnesota | A | 100 | $17M | 85.35% | 0.00% |
| 54 | Hart County Bank&Trust Co | Munfordville, Kentucky | A | 99 | $26M | 38.42% | 0.00% |
| 55 | Security State Bank of Oklee | Oklee, Minnesota | A | 99 | $44M | 42.35% | 0.00% |
| 56 | Farmers&Merchants Stb Bushne | Bushnell, Illinois | A | 99 | $85M | 19.54% | 0.09% |
| 57 | First Security Bank-Hendrick | Hendricks, Minnesota | A | 99 | $41M | 27.71% | 0.00% |
| 58 | Richland State Bank | Bruce, South Dakota | A | 99 | $42M | 26.76% | 0.24% |
| 59 | Haviland State Bank | Haviland, Kansas | A | 99 | $49M | 19.93% | 0.00% |
| 60 | Andes State Bank | Lake Andes, South Dakota | A | 99 | $26M | 25.61% | 0.00% |
| 61 | Kress National Bank | Kress, Texas | A | 99 | $50M | 24.10% | 0.00% |
| 62 | Siouxland Bank | South Sioux City, Nebraska | A | 99 | $83M | 28.33% | 0.00% |
| 63 | Menard Bank | Menard, Texas | A | 99 | $79M | 20.39% | 0.00% |
| 64 | Howard Stb Howard Kansas | Howard, Kansas | A | 99 | $72M | 15.10% | 0.20% |
| 65 | Hightower Trust Co NA | Houston, Texas | A | 99 | $18M | 79.95% | 0.00% |
| 66 | Montrose Savings Bank | Montrose, Missouri | A | 99 | $56M | 14.52% | 0.02% |
| 67 | Hill-Dodge Banking Co | Warsaw, Illinois | A | 99 | $56M | 15.78% | 0.08% |
| 68 | Marshall County State Bank | Newfolden, Minnesota | A | 99 | $40M | 60.71% | 0.00% |
| 69 | Peoples State Bank of Colfax | Colfax, Illinois | A | 98 | $44M | 22.16% | 0.00% |
| 70 | Nebraska State Bank | Bristow, Nebraska | A | 98 | $21M | 14.83% | 0.00% |
| 71 | State Bk of Canton Canton Ks | Canton, Kansas | A | 98 | $34M | 43.74% | 0.00% |
| 72 | Scribner Bank | Scribner, Nebraska | A | 98 | $81M | 21.88% | 0.26% |
| 73 | Walters Bank&Trust Co | Walters, Oklahoma | A | 98 | $66M | 20.45% | 0.31% |
| 74 | Junction National Bank | Junction, Texas | A | 98 | $87M | 33.72% | 0.04% |
| 75 | Culbertson Bank | Culbertson, Nebraska | A | 98 | $13M | 16.90% | 0.00% |
| 76 | Strasburg State Bank | Strasburg, North Dakota | A | 98 | $91M | 15.22% | 0.00% |
| 77 | Holladay Bank&Trust | Salt Lake City, Utah | A | 98 | $62M | 17.52% | 0.07% |
| 78 | Bank of Magnolia Co | Magnolia, Ohio | A | 98 | $98M | 22.08% | 0.05% |
| 79 | Bank of Jackson Hole Trust | Jackson, Wyoming | A | 98 | $41M | 72.85% | 0.00% |
| 80 | Covington Savings&Loan Assn | Covington, Ohio | A | 98 | $83M | 15.79% | 0.00% |
| 81 | First National Bank of Anson | Anson, Texas | A | 98 | $71M | 15.69% | 0.26% |
| 82 | First Nb in Okeene | Okeene, Oklahoma | A | 98 | $81M | 28.38% | 0.00% |
| 83 | First Security Bank Canby | Canby, Minnesota | A | 98 | $79M | 18.41% | 0.40% |
| 84 | First Nb of Mcintosh | Mcintosh, Minnesota | A | 98 | $37M | 53.94% | 0.26% |
| 85 | Generations Commercial Bank | Seneca Falls, New York | A | 98 | $19M | 226.87% | 0.00% |
| 86 | First State Bank in Temple | Temple, Oklahoma | A | 98 | $26M | 20.94% | 0.00% |
| 87 | Farmers State Bank of Emden | Emden, Illinois | A | 97 | $38M | 55.89% | 0.00% |
| 88 | First State Bank | Ness City, Kansas | A | 97 | $83M | 22.49% | 0.00% |
| 89 | First State Bank of St Peter | Saint Peter, Illinois | A | 97 | $30M | 39.39% | 0.18% |
| 90 | Swedish-American State Bank | Courtland, Kansas | A | 97 | $59M | 17.55% | 0.00% |
| 91 | Centrebank | Veedersburg, Indiana | A | 97 | $99M | 17.02% | 0.23% |
| 92 | Ipswich State Bank | Ipswich, South Dakota | A | 97 | $67M | 30.12% | 0.00% |
| 93 | Triumph State Bank | Trimont, Minnesota | A | 97 | $89M | 16.00% | 0.01% |
| 94 | Bank of Protection | Protection, Kansas | A | 97 | $95M | 14.30% | 0.09% |
| 95 | First Bank of Celeste | Celeste, Texas | A | 97 | $78M | 18.67% | 0.00% |
| 96 | First National Bank of Moody | Moody, Texas | A | 97 | $53M | 18.64% | 0.00% |
| 97 | Ottoville Bank Co | Ottoville, Ohio | A | 97 | $93M | 20.70% | 0.24% |
| 98 | Sainte Marie State Bank | Sainte Marie, Illinois | A | 96 | $15M | 40.05% | 0.00% |
| 99 | Silex Banking Co | Silex, Missouri | A | 96 | $94M | 14.64% | 0.00% |
| 100 | First Central Nb of St Paris | St. Paris, Ohio | A | 96 | $93M | 31.00% | 0.00% |
| 101 | Bank of Elgin | Elgin, Nebraska | A | 96 | $79M | 13.48% | 0.00% |
| 102 | Boston Trust Walden Co | Boston, Massachusetts | A | 96 | $92M | 59.06% | 0.00% |
| 103 | Citizens Bank of Edinburg | Edinburg, Illinois | A | 96 | $30M | 19.74% | 0.00% |
| 104 | Latimer State Bank | Wilburton, Oklahoma | A | 96 | $67M | 68.29% | 0.62% |
| 105 | Atascosa Bank | Pleasanton, Texas | A | 96 | $84M | 14.04% | 0.00% |
| 106 | North Cambridge Coop Bank | Cambridge, Massachusetts | A | 96 | $83M | 59.82% | 0.00% |
| 107 | Dozier Bank | Dozier, Alabama | A | 96 | $55M | 25.07% | 0.16% |
| 108 | Pee Dee Federal Savings Bank | Marion, South Carolina | A | 96 | $38M | 39.84% | 0.00% |
| 109 | First National Bank of Lipan | Lipan, Texas | A | 96 | $27M | 28.99% | 0.00% |
| 110 | Fnb Washington | Washington, Kansas | A | 96 | $82M | 24.81% | 0.55% |
| 111 | Global Innovations Bank | Kiester, Minnesota | A | 96 | $73M | 22.54% | 0.17% |
| 112 | Farmers Bank of Lohman Mo | Jefferson City, Missouri | A | 96 | $76M | 17.08% | 0.00% |
| 113 | Farmers&Merchants Bk Craig C | New Castle, Virginia | A | 96 | $89M | 16.61% | 0.15% |
| 114 | State Bank of Industry | Industry, Illinois | A | 95 | $59M | 20.75% | 0.09% |
| 115 | Cbw Bank | Weir, Kansas | A | 95 | $83M | 100.27% | 0.00% |
| 116 | International Bk of Amherst | Amherst, Wisconsin | A | 95 | $96M | 13.87% | 0.00% |
| 117 | Bank of Lake Village | Lake Village, Arkansas | A | 95 | $84M | 18.73% | 0.48% |
| 118 | Highland Fs&La | Crossville, Tennessee | A | 95 | $78M | 21.19% | 0.00% |
| 119 | Old Exchange Nb of Okawville | Okawville, Illinois | A | 95 | $80M | 22.67% | 0.08% |
| 120 | First Nb of Fletcher | Fletcher, Oklahoma | A | 95 | $22M | 19.71% | 0.00% |
| 121 | First Farmers Nb of Waurika | Waurika, Oklahoma | A | 95 | $52M | 18.86% | 0.25% |
| 122 | State Bank of Spring Hill | Spring Hill, Kansas | A | 95 | $59M | 25.66% | 0.00% |
| 123 | State Bank of Chandler | Chandler, Minnesota | A | 95 | $65M | 16.43% | 0.00% |
| 124 | Kindred State Bank | Kindred, North Dakota | A | 95 | $39M | 15.26% | 0.33% |
| 125 | Citizens Stb of Milford | Milford, Illinois | A | 95 | $52M | 14.58% | 0.00% |
| 126 | State Bank of Jeffers | Jeffers, Minnesota | A | 94 | $36M | 15.79% | 0.22% |
| 127 | Donley County State Bank | Clarendon, Texas | A | 94 | $46M | 54.42% | 0.41% |
| 128 | First State Bank of Dongola | Dongola, Illinois | A | 94 | $31M | 19.53% | 0.20% |
| 129 | Oklahoma State Bank | Buffalo, Oklahoma | A | 94 | $60M | 15.68% | 0.29% |
| 130 | Integrity Bank | Fowler, Kansas | A | 94 | $80M | 20.99% | 0.03% |
| 131 | Prescott State Bank | Prescott, Kansas | A | 94 | $15M | 15.46% | 0.00% |
| 132 | Benton County State Bank | Blairstown, Iowa | A | 94 | $49M | 15.39% | 0.00% |
| 133 | First Nb in Tigerton | Tigerton, Wisconsin | A | 94 | $29M | 12.80% | 0.00% |
| 134 | Mason City National Bank | Mason City, Illinois | A | 94 | $79M | 16.39% | 0.58% |
| 135 | State Bank of Lakota | Lakota, North Dakota | A | 94 | $63M | 15.01% | 0.57% |
| 136 | Watkins Savings Bank | Watkins, Iowa | A | 94 | $79M | 16.72% | 0.00% |
| 137 | Zapata National Bank | Zapata, Texas | A | 94 | $85M | 14.65% | 0.75% |
| 138 | St Martin National Bank | Saint Martin, Minnesota | A | 94 | $29M | 13.63% | 0.00% |
| 139 | Covington County Bank | Collins, Mississippi | A | 94 | $100M | 17.81% | 0.74% |
| 140 | North Adams State Bank | Ursa, Illinois | A | 94 | $44M | 14.53% | 0.29% |
| 141 | Pavillion Bank | Richardson, Texas | A | 94 | $69M | 22.70% | 0.00% |
| 142 | Liberty Savings Assn Fsa | Fort Scott, Kansas | A | 94 | $29M | 22.83% | 0.00% |
| 143 | First Nb of Manning | Manning, Iowa | A | 94 | $80M | 33.01% | 0.00% |
| 144 | BMO Harris Central NA | Roselle, Illinois | A | 94 | $8M | 446.05% | 0.00% |
| 145 | Bryant State Bank | Bryant, South Dakota | A | 94 | $49M | 17.43% | 0.41% |
| 146 | First Nb of Blanchester | Blanchester, Ohio | A | 94 | $77M | 22.06% | 0.13% |
| 147 | Peoples State Bank of Wells | Wells, Minnesota | A | 94 | $62M | 14.22% | 0.23% |
| 148 | Adams State Bank | Adams, Nebraska | A | 94 | $70M | 15.43% | 0.13% |
| 149 | United Minnesota Bank | New London, Minnesota | A | 93 | $50M | 14.24% | 0.88% |
| 150 | First State Bank of Van Orin | Van Orin, Illinois | A | 93 | $44M | 24.53% | 0.53% |
| 151 | Ashton State Bank | Ashton, Iowa | A | 93 | $55M | 15.79% | 0.30% |
| 152 | Anchor State Bank | Anchor, Illinois | A | 93 | $52M | 16.60% | 0.00% |
| 153 | Richton Bank&Trust Co | Richton, Mississippi | A | 93 | $51M | 16.26% | 0.00% |
| 154 | First State Bank of Decatur | Decatur, Michigan | A | 93 | $54M | 21.78% | 0.00% |
| 155 | First Nb in Fredonia | Fredonia, Kansas | A | 93 | $96M | 18.27% | 0.79% |
| 156 | Arlington State Bank | Arlington, Minnesota | A | 93 | $60M | 24.44% | 0.12% |
| 157 | Haskell National Bank | Haskell, Texas | A | 93 | $74M | 28.91% | 0.00% |
| 158 | Cedar Security Bank | Fordyce, Nebraska | A | 93 | $55M | 17.90% | 0.28% |
| 159 | Asian Pacific National Bank | San Gabriel, California | A | 93 | $57M | 18.74% | 0.00% |
| 160 | Bank of Milan | Milan, Tennessee | A | 93 | $99M | 14.17% | 0.00% |
| 161 | Community Bank of Memphis | Memphis, Missouri | A | 93 | $50M | 14.14% | 0.00% |
| 162 | Kinmundy Bank | Kinmundy, Illinois | A | 93 | $65M | 19.00% | 0.75% |
| 163 | First Nb of Okawville | Okawville, Illinois | A | 93 | $73M | 18.72% | 0.00% |
| 164 | First Nb of Primghar | Primghar, Iowa | A | 93 | $38M | 17.92% | 0.00% |
| 165 | Citizens Stb of Cheney Ks | Cheney, Kansas | A | 93 | $83M | 12.69% | 0.00% |
| 166 | Vergas State Bank | Vergas, Minnesota | A | 93 | $55M | 14.14% | 0.11% |
| 167 | First State Bank of Olmsted | Olmsted, Illinois | A | 92 | $73M | 16.73% | 0.72% |
| 168 | Farmers&Merchants Bk Hutsonv | Hutsonville, Illinois | A | 92 | $51M | 17.61% | 0.00% |
| 169 | Camp Grove State Bank | Camp Grove, Illinois | A | 92 | $63M | 18.10% | 0.00% |
| 170 | Root River State Bank | Chatfield, Minnesota | A | 92 | $83M | 19.41% | 0.00% |
| 171 | Oakdale State Bank | Oakdale, Illinois | A | 92 | $26M | 13.35% | 0.35% |
| 172 | Longview Community Bank | Mount Pulaski, Illinois | A | 92 | $100M | 13.63% | 0.24% |
| 173 | Ford County State Bank | Spearville, Kansas | A | 92 | $56M | 16.99% | 0.00% |
| 174 | Dickinson County Bank | Enterprise, Kansas | A | 92 | $21M | 12.16% | 0.00% |
| 175 | Trust Bank | Lenox, Georgia | A | 92 | $41M | 36.00% | 1.39% |
| 176 | First Security Bank | Union Star, Missouri | A | 92 | $57M | 13.62% | 0.16% |
| 177 | Lake Country Community Bank | Morristown, Minnesota | A | 92 | $28M | 24.84% | 0.00% |
| 178 | Cottonwood Valley Bank | Cedar Point, Kansas | A | 92 | $37M | 14.21% | 0.00% |
| 179 | Farmers Stb of Blue Mound | Blue Mound, Kansas | A | 92 | $55M | 16.27% | 0.04% |
| 180 | Bank of Greeley | Greeley, Kansas | A | 92 | $46M | 12.80% | 0.00% |
| 181 | Kansas Stb Overbrook Kansas | Overbrook, Kansas | A | 92 | $90M | 18.28% | 0.95% |
| 182 | Hodge Bank&Trust Co | Hodge, Louisiana | A | 92 | $99M | 16.86% | 1.37% |
| 183 | Riverside Savings Bank SSB | Roanoke Rapids, North Carolina | A | 92 | $94M | 18.31% | 0.00% |
| 184 | Scottsburg Bldg&La | Scottsburg, Indiana | A | 92 | $77M | 40.28% | 0.00% |
| 185 | First Nb of Harveyville | Harveyville, Kansas | A | 92 | $16M | 17.73% | 0.11% |
| 186 | Marion National Bank | Marion, Kansas | A | 92 | $29M | 13.61% | 0.00% |
| 187 | First Nb of Proctor | Proctor, Minnesota | A | 92 | $31M | 22.81% | 0.08% |
| 188 | Stanton State Bank | Stanton, Nebraska | A | 92 | $60M | 16.13% | 0.31% |
| 189 | Bank of Brewton | Brewton, Alabama | A | 92 | $46M | 28.28% | 0.00% |
| 190 | Bank of Edison | Edison, Georgia | A | 92 | $81M | 13.99% | 0.31% |
| 191 | Community First Bank NA | Forest, Ohio | A | 92 | $57M | 19.48% | 0.02% |
| 192 | Bank of Cattaraugus | Cattaraugus, New York | A | 92 | $29M | 17.72% | 0.93% |
| 193 | First State Bank of Ransom | Ransom, Kansas | A | 91 | $46M | 36.97% | 0.67% |
| 194 | Flat Branch Bank | Richmond, Missouri | A | 91 | $63M | 40.02% | 0.43% |
| 195 | Franklin State Bank | Franklin, Minnesota | A | 91 | $43M | 13.50% | 0.03% |
| 196 | Corn Growers State Bank | Murdock, Nebraska | A | 91 | $38M | 14.28% | 0.05% |
| 197 | First Stb of San Diego | San Diego, Texas | A | 91 | $73M | 23.97% | 0.70% |
| 198 | Marquette Farmers Stb Marque | Marquette, Kansas | A | 91 | $32M | 17.72% | 0.48% |
| 199 | Carrollton Federal Bank | Carrollton, Kentucky | A | 91 | $39M | 15.75% | 0.73% |
| 200 | North County Savings Bank | Red Bud, Illinois | A | 91 | $64M | 22.46% | 0.00% |
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 83/100 — 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: 420. B-graded: 144. D or F-graded: 11.
What are the typical strengths of banks 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.
What should I watch for when reviewing a bank in this tier?
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.
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.
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 623 small banks. Informational only; not investment advice.