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De Novo Banks: New US Banks of the Last 5 Years

40 new FDIC-insured banks opened between October 8, 2021 and October 8, 2026 and are still operating. The newest is Private Bank & Trust (Gainesville, GA), opened September 28, 2026. 3 more banks opened in the same window have since closed or merged and are not listed.

A de novo bank here is a new FDIC-insured institution whose establishment date falls in the last 5 years, counted back from the directory date of October 8, 2026. Assets are blank until a new bank files its first call report.

Listed: 40 banks Operating institutions in directory: 4,223 Source: FDIC institution directory (as of October 8, 2026); assets from FFIEC call reports

New banks by year opened

YearBanks opened
2026 (through October 8) 9
2025 4
2024 6
2023 6
2022 15
# Bank HQ Opened Total assets
1 Private Bank & Trust Gainesville, GA Sep 28, 2026 —
2 Nola Bank New Orleans, LA Sep 14, 2026 —
3 Portrait Bank Winter Park, FL Jun 22, 2026 $44.7M
4 Cornerstone Community Bank Owensboro, KY Jun 8, 2026 $44.5M
5 Echelon Bank Clearwater, FL May 27, 2026 $52.2M
6 Houston Bank & Trust Houston, TX May 22, 2026 $38.5M
7 Generations Community Bank Indianapolis, IN Mar 9, 2026 $30.9M
8 Erebor Bank, N.A. Columbus, OH Feb 6, 2026 $4.66B
9 Liberty Bank of New Jersey Verona, NJ Jan 21, 2026 $107.4M
10 Solutions Plus Bank Albertville, AL Dec 4, 2025 $43.9M
11 Thrivent Bank Salt Lake City, UT Jun 1, 2025 $905.6M
12 Five Rivers Bank Paramus, NJ May 12, 2025 $78.1M
13 BankMiami Coral Gables, FL Mar 17, 2025 $317.9M
14 Gala Bank Ocala, FL Dec 30, 2024 $44.9M
15 Fortuna Bank Grandview Heights, OH Dec 9, 2024 $57.3M
16 Altos Bank Los Altos, CA Nov 25, 2024 $68.8M
17 Integrity Bank SSB Houston, TX Oct 11, 2024 $339.6M
18 Four States Bank Carthage, MO Aug 26, 2024 $142.1M
19 Nova Bank Huntsville, AL Jan 26, 2024 $91.2M
20 Zenith Bank & Trust Scottsdale, AZ Oct 2, 2023 $133.0M
21 Nave Bank San Juan, PR Sep 18, 2023 $555.0M
22 Icon Business Bank Riverside, CA Aug 22, 2023 $155.5M
23 Community Unity Bank Birmingham, MI Jun 26, 2023 $107.1M
24 Beach Cities Commercial Bank Irvine, CA Jun 12, 2023 $188.9M
25 Adelphi Bank Columbus, OH Jan 18, 2023 $124.5M
26 Evermore Bank Fort Lauderdale, FL Dec 15, 2022 $316.9M
27 Bank Irvine Irvine, CA Oct 18, 2022 $305.6M
28 Walden Mutual Bank Concord, NH Oct 5, 2022 $192.6M
29 GS&L Municipal Bank Gouverneur, NY Sep 16, 2022 $31.6M
30 Texas Traditions Bank Katy, TX Sep 6, 2022 $555.9M
31 THE Business Bank S Burlington, VT Aug 2, 2022 $352.2M
32 Integro Bank Phoenix, AZ Jun 21, 2022 $195.6M
33 Legacy Bank Murrieta, CA Jun 10, 2022 $112.8M
34 Gainey Business Bank Scottsdale, AZ Jun 8, 2022 $106.6M
35 Gulf Coast Business Bank Fort Myers, FL Jun 6, 2022 $186.6M
36 Moultrie Bank & Trust Moultrie, GA May 9, 2022 $150.6M
37 Agility Bank, National Association Houston, TX Apr 18, 2022 $151.6M
38 EntreBank Bloomington, MN Mar 21, 2022 $527.1M
39 Locality Bank Fort Lauderdale, FL Jan 12, 2022 $396.2M
40 Scottsdale Community Bank Scottsdale, AZ Jan 10, 2022 $125.2M

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