Asset Quality
US Banks with Highest Texas Ratio
#1 Texas Ratio:NANO BANC — 235.37%. The Texas Ratio is the most-cited bank failure-prediction metric. A ratio above 100% historically correlates with elevated failure risk.
| # | Bank | HQ | US Banks with … | Total Assets ($K) |
|---|---|---|---|---|
| 1 | NANO BANC | IRVINE, CA | 235.37% | 874,723.0 |
| 2 | NoneNone | 156.87% | 235,465.0 | |
| 3 | NoneNone | 122.02% | 288,221.0 | |
| 4 | ENTERPRISE BANK | ALLISON PARK, PA | 100.69% | 491,714.0 |
| 5 | MAUCH CHUNK TRUST COMPANY | JIM THORPE, PA | 83.18% | 648,917.0 |
| 6 | FIRST & PEOPLES BANK AND TRUST COMPANY | RUSSELL, KY | 78.93% | 206,098.0 |
| 7 | UNITY BANK | AUGUSTA, WI | 76.35% | 611,752.0 |
| 8 | RED RIVER STATE BANK | HALSTAD, MN | 71.94% | 120,360.0 |
| 9 | FARMERS BANK | AULT, CO | 64.44% | 291,178.0 |
| 10 | FIRST CAPITAL BANK | QUANAH, TX | 60.72% | 116,310.0 |
| 11 | CARVER FEDERAL SAVINGS BANK | NEW YORK, NY | 58.27% | 695,941.0 |
| 12 | FIRST SECURITY BANK AND TRUST COMPANY | OKLAHOMA CITY, OK | 54.45% | 255,112.0 |
| 13 | FIRST ENTERPRISE BANK | OKLAHOMA CITY, OK | 54.23% | 197,883.0 |
| 14 | FIRST BANK OF THE LAKE | OSAGE BEACH, MO | 54.10% | 2,266,431.0 |
| 15 | MRV BANKS | SAINTE GENEVIEVE, MO | 52.67% | 862,417.0 |
| 16 | CARTER BANK & TRUST | MARTINSVILLE, VA | 52.18% | 4,831,021.0 |
| 17 | FIRST STATE BANK OF ROSEMOUNT, THE | ROSEMOUNT, MN | 51.07% | 151,579.0 |
| 18 | MAINSTREET BANK | FAIRFAX, VA | 50.18% | 2,209,046.0 |
| 19 | WALDEN MUTUAL BANK | CONCORD, NH | 50.18% | 171,740.0 |
| 20 | SEATTLE BANK | SEATTLE, WA | 50.09% | 1,035,314.0 |
| 21 | FIRSTIER BANK | KIMBALL, NE | 49.62% | 1,082,291.0 |
| 22 | LIVE OAK BANKING COMPANY | WILMINGTON, NC | 49.57% | 15,057,824.0 |
| 23 | PAULS VALLEY NATIONAL BANK, THE | PAULS VALLEY, OK | 48.85% | 348,568.0 |
| 24 | WALLIS BANK | WALLIS, TX | 48.12% | 1,392,348.0 |
| 25 | CHICKASAW COMMUNITY BANK | OKLAHOMA CITY, OK | 47.36% | 435,936.0 |
| 26 | PBT BANCORP | HAZARD, KY | 47.26% | 379,360.0 |
| 27 | WCF FINANCIAL BANK | WEBSTER CITY, IA | 46.47% | 227,490.0 |
| 28 | CITIZENS BANK & TRUST COMPANY | COVINGTON, LA | 46.31% | 175,876.0 |
| 29 | COMMERCIAL BANK & TRUST COMPANY | MONTICELLO, AR | 45.79% | 375,073.0 |
| 30 | TOUCHMARK NATIONAL BANK | ALPHARETTA, GA | 45.68% | 418,375.0 |
| 31 | WELLINGTON STATE BANK | WELLINGTON, TX | 45.31% | 653,212.0 |
| 32 | FNB BANK | GOODLAND, KS | 45.11% | 272,944.0 |
| 33 | STERLING FEDERAL BANK, FEDERAL SAVINGS BANK | STERLING, IL | 43.53% | 513,696.0 |
| 34 | MIDAMERICA NATIONAL BANK | CANTON, IL | 42.76% | 640,200.0 |
| 35 | CITIZENS SAVINGS BANK AND TRUST COMPANY | NASHVILLE, TN | 42.60% | 183,374.0 |
| 36 | FIRST SOUTHERN BANK | FLORENCE, AL | 42.33% | 732,162.0 |
| 37 | NEWTEK BANK, NATIONAL ASSOCIATION | MIAMI, FL | 41.55% | 1,730,035.0 |
| 38 | FIRST GUARANTY BANK | HAMMOND, LA | 40.28% | 4,075,579.0 |
| 39 | BANK OF FRANKEWING | FRANKEWING, TN | 39.77% | 446,407.0 |
| 40 | UNITED REPUBLIC BANK | OMAHA, NE | 39.73% | 197,172.0 |
| 41 | CFG BANK | LUTHERVILLE, MD | 39.26% | 5,739,598.0 |
| 42 | IDABEL NATIONAL BANK, THE | IDABEL, OK | 39.21% | 253,631.0 |
| 43 | MODERN BANK, NATIONAL ASSOCIATION | NEW YORK, NY | 39.09% | 664,062.0 |
| 44 | IUKA STATE BANK, THE | SALEM, IL | 38.19% | 142,444.0 |
| 45 | DRAKE BANK | SAINT PAUL, MN | 38.07% | 255,833.0 |
| 46 | MIDWEST REGIONAL BANK | CLAYTON, MO | 38.01% | 1,049,767.0 |
| 47 | CITIZENS COMMUNITY BANK | MASCOUTAH, IL | 37.94% | 532,051.0 |
| 48 | FIRST CENTRAL BANK MCCOOK | MCCOOK, NE | 37.64% | 127,251.0 |
| 49 | GATEWAY BANK | RISON, AR | 37.34% | 173,218.0 |
| 50 | FIRST STATE BANK OF BIGFORK | BIGFORK, MN | 37.05% | 113,681.0 |
| 51 | FIRST UTAH BANK | SALT LAKE CITY, UT | 36.86% | 845,540.0 |
| 52 | SNB BANK, NATIONAL ASSOCIATION | SHATTUCK, OK | 36.49% | 135,897.0 |
| 53 | CITIZENS BANK OF THE MIDWEST | ROLLA, MO | 36.43% | 240,709.0 |
| 54 | ALL AMERICA BANK | OKLAHOMA CITY, OK | 36.43% | 593,707.0 |
| 55 | BANKVISTA | SARTELL, MN | 36.09% | 633,300.0 |
| 56 | FLAGSTAR BANK, NATIONAL ASSOCIATION | HICKSVILLE, NY | 35.14% | 87,511,954.0 |
| 57 | CROSS RIVER BANK | FORT LEE, NJ | 33.64% | 8,057,896.0 |
| 58 | HOME STATE BANK | JEFFERSON, IA | 33.54% | 460,238.0 |
| 59 | KEY COMMUNITY BANK | INVER GROVE HEIGHTS, MN | 33.49% | 120,996.0 |
| 60 | LINCOLN SAVINGS BANK | REINBECK, IA | 33.34% | 1,752,564.0 |
| 61 | NORTHERN BANK & TRUST COMPANY | WOBURN, MA | 33.33% | 3,167,025.0 |
| 62 | ENTERPRISE BANK OF SOUTH CAROLINA | EHRHARDT, SC | 33.25% | 491,150.0 |
| 63 | EAGLEBANK | BETHESDA, MD | 33.02% | 10,445,598.0 |
| 64 | STATE BANK | WATERLOO, IL | 32.95% | 303,919.0 |
| 65 | INTERSTATE BANK | PERRYTON, TX | 32.80% | 275,696.0 |
| 66 | UNITED BANK OF UNION | UNION, MO | 32.61% | 561,850.0 |
| 67 | STAR BANK | MAPLE LAKE, MN | 32.08% | 465,038.0 |
| 68 | FIRST CENTRAL BANK | CAMBRIDGE, NE | 31.90% | 144,454.0 |
| 69 | FIRST EXCHANGE BANK | WHITE HALL, WV | 31.88% | 376,464.0 |
| 70 | KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE | KARNES CITY, TX | 31.77% | 549,490.0 |
| 71 | FIRST NATIONAL BANK OF FORT STOCKTON | FORT STOCKTON, TX | 30.97% | 156,853.0 |
| 72 | MILLENNIUM BANK | DES PLAINES, IL | 30.83% | 810,984.0 |
| 73 | MUTUALONE BANK | FRAMINGHAM, MA | 30.62% | 1,252,824.0 |
| 74 | RARITAN STATE BANK | RARITAN, IL | 30.52% | 249,367.0 |
| 75 | WOODLANDS BANK | WILLIAMSPORT, PA | 30.48% | 616,118.0 |
| 76 | FIRST NATIONAL BANK AND TRUST COMPANY OF WEATHERFORD DBA FIRST BANK TEXAS | WEATHERFORD, TX | 30.46% | 978,794.0 |
| 77 | SOUTHPOINT BANK | BIRMINGHAM, AL | 30.36% | 1,563,295.0 |
| 78 | BCB COMMUNITY BANK | BAYONNE, NJ | 29.68% | 3,278,810.0 |
| 79 | ALMA BANK | ASTORIA, NY | 29.51% | 1,548,069.0 |
| 80 | SIMMESPORT STATE BANK | SIMMESPORT, LA | 29.37% | 200,048.0 |
| 81 | FIRST NATIONAL BANK & TRUST | IRON MOUNTAIN, MI | 29.18% | 412,114.0 |
| 82 | UNION BANK AND TRUST COMPANY | MINNEAPOLIS, MN | 28.87% | 239,444.0 |
| 83 | CROWN BANK | ELIZABETH, NJ | 28.76% | 628,954.0 |
| 84 | OZONA BANK | OZONA, TX | 28.72% | 326,953.0 |
| 85 | GLOBAL BANK | NEW YORK, NY | 28.20% | 272,576.0 |
| 86 | MERIDIAN BANK | MALVERN, PA | 27.90% | 2,560,367.0 |
| 87 | FORESIGHT BANK | PLAINVIEW, MN | 27.76% | 422,662.0 |
| 88 | BANK OF WASHINGTON | WASHINGTON, MO | 27.62% | 1,170,435.0 |
| 89 | TRANSPECOS BANKS, SSB | PECOS, TX | 27.58% | 968,328.0 |
| 90 | FIDELITY CO-OPERATIVE BANK | LEOMINSTER, MA | 27.51% | 1,378,852.0 |
| 91 | FIRST NATIONAL BANK | ALAMOGORDO, NM | 27.45% | 470,318.0 |
| 92 | FIRST BANK | STERLING, KS | 26.97% | 151,957.0 |
| 93 | FIRST BANK & TRUST COMPANY | DUNCAN, OK | 26.94% | 948,406.0 |
| 94 | CONWAY BANK | CONWAY SPRINGS, KS | 26.90% | 130,584.0 |
| 95 | CITIZENS INDEPENDENT BANK | SAINT LOUIS PARK, MN | 26.58% | 314,606.0 |
| 96 | TRUSTTEXAS BANK, S.S.B. | CUERO, TX | 26.39% | 368,474.0 |
| 97 | TRADITION CAPITAL BANK | WAYZATA, MN | 26.17% | 2,644,240.0 |
| 98 | ESB FINANCIAL | EMPORIA, KS | 26.13% | 381,354.0 |
| 99 | UNIBANK | LYNNWOOD, WA | 26.05% | 408,899.0 |
| 100 | FIELDPOINT PRIVATE BANK & TRUST | GREENWICH, CT | 25.98% | 944,013.0 |
More Asset Quality rankings
All data sourced from the most recent FFIEC call report filings, refreshed quarterly within 48 hours of FFIEC release. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.
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