Financial strength ranking · Call Report data as of Q2 2026
Best Banks in the US by Financial Strength
Eaglemark Savings Bank ranks first among the 3,583 banks we score, with a financial strength score of 96.5 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.
- Ranked first
- Eaglemark Savings Bank
- Its score
- 96.5 of 100
- Banks scored
- 3,583
- Its return on assets
- 4.67%
The 100 highest scoring banks in the US
Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.
| 1 | Eaglemark Savings Bank Reno, NV | 96.5 | $755.7M |
| 2 | American Interstate Bank Elkhorn, NE | 96.0 | $132.0M |
| 3 | The Bank of Southside Virginia Carson, VA | 93.3 | $670.3M |
| 4 | State Bank of Newburg Newburg, WI | 92.8 | $328.1M |
| 5 | The Buckholts State Bank Buckholts, TX | 92.4 | $138.8M |
| 6 | Applied Bank Wilmington, DE | 91.9 | $274.1M |
| 7 | Northeast Community Bank White Plains, NY | 91.7 | $2.11B |
| 8 | Muenster State Bank Muenster, TX | 91.7 | $227.0M |
| 9 | Solomon State Bank Solomon, KS | 90.7 | $182.6M |
| 10 | United Bank and Trust Company Hampton, IA | 90.6 | $228.4M |
| 11 | Municipal Trust and Savings Bank Bourbonnais, IL | 90.5 | $382.2M |
| 12 | First Eagle Bank Chicago, IL | 89.9 | $649.6M |
| 13 | First Citizens State Bank Whitewater, WI | 89.9 | $525.2M |
| 14 | The First National Bank of Mertzon Mertzon, TX | 89.9 | $500.3M |
| 15 | South Central State Bank Campbell, NE | 89.6 | $192.1M |
| 16 | Security National Bank of South Dakota Dakota Dunes, SD | 89.5 | $251.5M |
| 17 | Teutopolis State Bank Teutopolis, IL | 89.4 | $358.5M |
| 18 | First Bank of Owasso Owasso, OK | 89.2 | $639.3M |
| 19 | Alamosa State Bank Alamosa, CO | 89.0 | $340.3M |
| 20 | Eagle Bank Polson, MT | 88.9 | $179.5M |
| 21 | Hana Bank USA, N.A. Fort Lee, NJ | 88.8 | $835.2M |
| 22 | Malaga Bank, FSB Palos Verdes Estates, CA | 88.5 | $1.45B |
| 23 | The Bank of Grain Valley Grain Valley, MO | 88.3 | $110.6M |
| 24 | Home Bank of California San Diego, CA | 88.0 | $255.4M |
| 25 | First National Bank of Burleson Burleson, TX | 87.9 | $250.8M |
| 26 | Community Bank Longview, TX | 87.5 | $315.5M |
| 27 | Vermilion Valley Bank Piper City, IL | 87.5 | $198.2M |
| 28 | Nekoosa Port Edwards State Bank Nekoosa, WI | 87.4 | $286.5M |
| 29 | Community Bank of El Dorado Springs El Dorado Springs, MO | 87.4 | $143.6M |
| 30 | Farmers and Merchants Bank Sylvania, GA | 87.3 | $170.7M |
| 31 | Northeast Georgia Bank Lavonia, GA | 87.2 | $650.6M |
| 32 | First National Bank Hamilton, AL | 87.2 | $372.7M |
| 33 | The Fidelity State Bank and Trust Company Dodge City, KS | 87.2 | $194.8M |
| 34 | Bank of Mauston Mauston, WI | 87.1 | $426.7M |
| 35 | The First Trust and Savings Bank of Watseka Watseka, IL | 87.1 | $337.1M |
| 36 | The Yellowstone Bank Laurel, MT | 86.9 | $1.34B |
| 37 | Sunmark Community Bank Perry, GA | 86.9 | $556.6M |
| 38 | First National Bank of Brookfield Brookfield, IL | 86.9 | $419.6M |
| 39 | First State Bank Stratford, TX | 86.8 | $371.9M |
| 40 | First State Bank Britt, IA | 86.8 | $125.9M |
| 41 | FNB South Alma, GA | 86.7 | $734.8M |
| 42 | The St. Henry Bank Saint Henry, OH | 86.6 | $435.6M |
| 43 | Durden Banking Company, Incorporated Twin City, GA | 86.6 | $299.2M |
| 44 | Farmers Bank & Trust Great Bend, KS | 86.5 | $1.05B |
| 45 | Texas State Bank San Angelo, TX | 86.5 | $425.5M |
| 46 | Blueharbor Bank Mooresville, NC | 86.3 | $628.4M |
| 47 | The National Bank of Malvern Malvern, PA | 86.3 | $224.0M |
| 48 | Cumberland Security Bank, Inc. Somerset, KY | 86.2 | $420.1M |
| 49 | The International Bank of Amherst Amherst, WI | 86.2 | $103.6M |
| 50 | BMW Bank of North America Salt Lake City, UT | 86.0 | $13.80B |
| 51 | Bluff View Bank Galesville, WI | 85.9 | $152.8M |
| 52 | Farmers Trust and Savings Bank Williamsburg, IA | 85.4 | $191.6M |
| 53 | First State Bank & Trust Williston, ND | 85.3 | $542.6M |
| 54 | Pioneer Bank Stanley, VA | 85.3 | $371.8M |
| 55 | Commercial Bank of Mott Mott, ND | 85.3 | $140.0M |
| 56 | The First National Bank and Trust Company of Broken Arrow Broken Arrow, OK | 85.0 | $269.5M |
| 57 | County Bank Rehoboth Beach, DE | 84.9 | $696.4M |
| 58 | Bank of Versailles Versailles, MO | 84.9 | $359.0M |
| 59 | The First National Bank of Stanton Stanton, TX | 84.8 | $394.9M |
| 60 | State Bank of Bern Bern, KS | 84.8 | $128.2M |
| 61 | The First National Bank of Waynesboro Waynesboro, GA | 84.7 | $229.1M |
| 62 | Bellevue State Bank Bellevue, IA | 84.7 | $187.7M |
| 63 | Liberty State Bank Powers Lake, ND | 84.5 | $159.0M |
| 64 | Farmers State Bank Lincolnton, GA | 84.4 | $186.2M |
| 65 | Cass Commercial Bank Des Peres, MO | 84.2 | $1.33B |
| 66 | Great American Bank Lawrence, KS | 84.2 | $513.2M |
| 67 | First Security Bank Searcy, AR | 84.1 | $8.58B |
| 68 | Western Bank, Artesia, New Mexico Artesia, NM | 84.0 | $350.5M |
| 69 | Farmers State Bank Marion, IA | 83.9 | $1.12B |
| 70 | WestStar Bank El Paso, TX | 83.7 | $3.28B |
| 71 | First National Bank in Philip Philip, SD | 83.7 | $458.4M |
| 72 | Iowa State Bank Des Moines, IA | 83.6 | $480.5M |
| 73 | First American Bank and Trust Company Athens, GA | 83.5 | $901.9M |
| 74 | Settlers Bank Marietta, OH | 83.5 | $142.4M |
| 75 | Trinity Bank, N.A. Fort Worth, TX | 83.4 | $569.1M |
| 76 | Peoples Bank Sheridan, AR | 83.4 | $313.8M |
| 77 | Twin River Bank Lewiston, ID | 83.3 | $173.0M |
| 78 | Anderson State Bank Oneida, IL | 83.3 | $108.9M |
| 79 | HCN Bank Riverside, CA | 83.2 | $998.4M |
| 80 | Vermillion State Bank Vermillion, MN | 83.2 | $931.4M |
| 81 | Citizens Bank and Trust Company Blackstone, VA | 83.2 | $577.6M |
| 82 | Currency Bank Oak Grove, LA | 83.2 | $248.5M |
| 83 | Bank of Prairie Du Sac Prairie du Sac, WI | 83.1 | $744.5M |
| 84 | Security Savings Bank Gowrie, IA | 83.0 | $193.7M |
| 85 | Optum Bank, Inc. Draper, UT | 82.8 | $21.43B |
| 86 | Cedar Rapids Bank and Trust Company Cedar Rapids, IA | 82.8 | $2.90B |
| 87 | Citizens First National Bank Storm Lake, IA | 82.8 | $256.5M |
| 88 | First National Bank Colorado Las Animas, CO | 82.7 | $634.3M |
| 89 | First Bank Erick, OK | 82.6 | $118.0M |
| 90 | Commerce Bank Laredo, TX | 82.5 | $762.5M |
| 91 | First Jackson Bank Stevenson, AL | 82.4 | $444.3M |
| 92 | Central Bank of Kansas City Kansas City, MO | 82.4 | $410.2M |
| 93 | The Gunnison Bank and Trust Company Gunnison, CO | 82.4 | $255.4M |
| 94 | The Citizens Bank of Georgia Cumming, GA | 82.3 | $598.5M |
| 95 | Lakeside Bank Rockwall, TX | 82.3 | $389.2M |
| 96 | American Plus Bank, N.A. Arcadia, CA | 82.2 | $935.0M |
| 97 | Adams County Bank Kenesaw, NE | 82.1 | $241.1M |
| 98 | The First Bank of Okarche Okarche, OK | 82.0 | $137.5M |
| 99 | Classic City Bank Athens, GA | 81.9 | $314.3M |
| 100 | Grandview Bank Grandview, TX | 81.8 | $729.3M |
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How the score works
Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.
- Return on assets: higher is better.
- Efficiency ratio: lower is better.
- Tier 1 leverage ratio: higher is better.
- Nonperforming assets ratio: lower is better.
A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.
Frequently asked questions
What is the best bank in the US?
By our financial strength score, Eaglemark Savings Bank of Reno, NV ranks first, scoring 96.5 out of 100 for Q2 2026: return on assets of 4.67%, an efficiency ratio of 30.56%, a Tier 1 leverage ratio of 23.68% and nonperforming assets of 0.00% of total assets. American Interstate Bank and The Bank of Southside Virginia rank second and third.
How are the best banks in the US ranked?
Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.
Does this ranking say which bank I should open an account with?
No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.
Best banks in other states
Related rankings
Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.