Bank Risk Screener
US Banks Ranked by AOCI Burden (Unrealized Securities Losses)
Banks holding fixed-rate securities at par or amortized cost on the balance sheet still bear the economic cost when interest rates rise. That cost shows up as unrealized losses on AFS securities (which flow through Accumulated Other Comprehensive Income, AOCI, hitting tangible book value directly) and on HTM securities (which do not flow through AOCI but represent the same economic loss if the bank is ever forced to sell). This page surfaces every FDIC-insured US commercial bank's total unrealized gain/loss on AFS+HTM securities as a percentage of equity — a critical post-SVB credit-stress signal.
| # | Bank | HQ | Asset Tier | Securities Unrealized G/L to Equity | Band |
|---|---|---|---|---|---|
| 1 | MAUCH CHUNK TRUST COMPANY | JIM THORPE, PA | Medium | -3519.01% | STRESS |
| 2 | TRUSTTEXAS BANK, S.S.B. | CUERO, TX | Small | -1213.64% | STRESS |
| 3 | PHENIX-GIRARD BANK | PHENIX CITY, AL | Small | -580.97% | STRESS |
| 4 | FIRST FINANCIAL BANK | BESSEMER, AL | Small | -295.70% | STRESS |
| 5 | FIRST NATIONAL BANK OF LAKE JACKSON | LAKE JACKSON, TX | Small | -286.70% | STRESS |
| 6 | DU QUOIN STATE BANK | DU QUOIN, IL | Small | -276.64% | STRESS |
| 7 | BANK OF CADIZ AND TRUST COMPANY | CADIZ, KY | Small | -256.73% | STRESS |
| 8 | First National Bank of Alvin | Alvin, TX | Small | -234.42% | STRESS |
| 9 | BANK OF LAFAYETTE, THE | LA FAYETTE, GA | Small | -212.87% | STRESS |
| 10 | ANAHUAC NATIONAL BANK | ANAHUAC, TX | Small | -197.04% | STRESS |
| 11 | CB&S BANK, INC. | RUSSELLVILLE, AL | Large | -163.46% | STRESS |
| 12 | BancCentral, National Association | Alva, OK | Small | -161.11% | STRESS |
| 13 | COMMUNITY BANK OF RAYMORE | RAYMORE, MO | Small | -159.11% | STRESS |
| 14 | CITIZENS BANK OF WINFIELD, THE | WINFIELD, AL | Small | -157.55% | STRESS |
| 15 | PINNACLE BANK | JASPER, AL | Small | -150.87% | STRESS |
| 16 | NORTHERN INTERSTATE BANK, NATIONAL ASSOCIATION | NORWAY, MI | Small | -146.92% | STRESS |
| 17 | Piggott State Bank | Piggott, AR | Small | -145.74% | STRESS |
| 18 | Pearland State Bank | Pearland, TX | Small | -134.64% | STRESS |
| 19 | UINTA BANK | MOUNTAIN VIEW, WY | Small | -133.66% | STRESS |
| 20 | ASTRA BANK | SCANDIA, KS | Small | -131.47% | STRESS |
| 21 | COMMERCIAL BANK OF OZARK, THE | OZARK, AL | Small | -129.99% | STRESS |
| 22 | FIRST NATIONAL BANK OF ASPERMONT, THE | ASPERMONT, TX | Small | -129.78% | STRESS |
| 23 | FIRST NATIONAL BANK OF KANSAS | BURLINGTON, KS | Small | -129.62% | STRESS |
| 24 | MISSION BANK | KINGMAN, AZ | Small | -122.90% | STRESS |
| 25 | WASHINGTON STATE BANK | WASHINGTON, IA | Medium | -121.19% | STRESS |
| 26 | CARMINE STATE BANK | CARMINE, TX | Small | -119.77% | STRESS |
| 27 | FIRST BANK OF BOAZ | BOAZ, AL | Small | -114.73% | STRESS |
| 28 | FARMERS BANK | AULT, CO | Small | -111.57% | STRESS |
| 29 | CITIZENS NATIONAL BANK OF CHEBOYGAN | CHEBOYGAN, MI | Small | -111.13% | STRESS |
| 30 | FARMERS AND MERCHANTS NATIONAL BANK OF FAIRVIEW, THE | FAIRVIEW, OK | Small | -109.94% | STRESS |
| 31 | RSNB BANK | ROCK SPRINGS, WY | Small | -108.54% | STRESS |
| 32 | CITIZENS BANK AND TRUST | FROSTPROOF, FL | Large | -106.97% | STRESS |
| 33 | HARDIN COUNTY SAVINGS BANK | ELDORA, IA | Small | -106.91% | STRESS |
| 34 | BANK OF GLEN BURNIE, THE | GLEN BURNIE, MD | Small | -105.29% | STRESS |
| 35 | MERCHANTS COMMERCIAL BANK | SAINT THOMAS, VI | Medium | -104.20% | STRESS |
| 36 | COMMUNITY BANK OF PLEASANT HILL | PLEASANT HILL, MO | Small | -102.27% | STRESS |
| 37 | CITIZENS BANK OF KANSAS | KINGMAN, KS | Medium | -101.20% | STRESS |
| 38 | COMMERCIAL BANK, THE | DE KALB, MS | Small | -101.07% | STRESS |
| 39 | FIRSTSTATE BANK | LINEVILLE, AL | Small | -100.92% | STRESS |
| 40 | FIRST STATE BANK | ANADARKO, OK | Small | -100.90% | STRESS |
| 41 | SECURITY STATE BANK OF AITKIN | AITKIN, MN | Small | -97.47% | STRESS |
| 42 | SOLUTIONS BANK | FORRESTON, IL | Small | -94.94% | STRESS |
| 43 | PEOPLES SAVINGS BANK | INDIANOLA, IA | Medium | -93.57% | STRESS |
| 44 | FIRST NATIONAL BANK | ALAMOGORDO, NM | Small | -92.96% | STRESS |
| 45 | FARMERS AND MERCHANTS BANK | LAFAYETTE, AL | Small | -92.60% | STRESS |
| 46 | BANK OF LABOR | OVERLAND PARK, KS | Large | -92.51% | STRESS |
| 47 | CITIZENS STATE BANK | MONTICELLO, IA | Medium | -91.23% | STRESS |
| 48 | CITIZENS SAVINGS BANK | SPILLVILLE, IA | Small | -90.76% | STRESS |
| 49 | CITIZENS BANK AND TRUST OF LEBANON, INC. | LEBANON, KY | Small | -90.65% | STRESS |
| 50 | PEOPLESSOUTH BANK | COLQUITT, GA | Large | -89.97% | STRESS |
| 51 | HAMILTON BANK, THE | HAMILTON, MO | Small | -89.89% | STRESS |
| 52 | ANDOVER BANK, THE | ANDOVER, OH | Medium | -88.54% | STRESS |
| 53 | STATE BANK OF REESEVILLE | REESEVILLE, WI | Small | -88.30% | STRESS |
| 54 | CITIZENS BANK, THE | FARMINGTON, NM | Medium | -87.42% | STRESS |
| 55 | FARMERS STATE BANK | PARKSTON, SD | Small | -86.84% | STRESS |
| 56 | FARMERS AND MERCHANTS BANK | MILFORD, NE | Large | -86.58% | STRESS |
| 57 | FARMERS STATE BANK, THE | QUINTON, OK | Small | -85.08% | STRESS |
| 58 | CITIZENS BANK OF PHILADELPHIA, THE | PHILADELPHIA, MS | Large | -84.94% | STRESS |
| 59 | INDEPENDENCE BANK OF KENTUCKY | OWENSBORO, KY | Large | -83.27% | STRESS |
| 60 | COMMUNITY BANK | JOSEPH, OR | Medium | -82.89% | STRESS |
| 61 | FIRST NATIONAL BANK IN TRINIDAD | TRINIDAD, CO | Small | -82.61% | STRESS |
| 62 | CITIZENS NATIONAL BANK OF HILLSBORO, THE | HILLSBORO, TX | Small | -82.47% | STRESS |
| 63 | GREEN DOT BANK | PROVO, UT | Large | -81.77% | STRESS |
| 64 | STATE BANK & TRUST | WINFIELD, AL | Small | -81.16% | STRESS |
| 65 | COMMERCIAL BANK & TRUST OF PA | LATROBE, PA | Small | -78.91% | STRESS |
| 66 | FARMERS AND MECHANICS FEDERAL SAVINGS BANK | BLOOMFIELD, IN | Small | -78.80% | STRESS |
| 67 | COMMUNITY BANK OF LOUISIANA | MANSFIELD, LA | Medium | -78.37% | STRESS |
| 68 | FIRST NATIONAL BANK OF ELY, THE | ELY, NV | Small | -78.05% | STRESS |
| 69 | FIRST & PEOPLES BANK AND TRUST COMPANY | RUSSELL, KY | Small | -76.85% | STRESS |
| 70 | AMERICAN NATIONAL BANK OF TEXAS, THE | TERRELL, TX | Large | -76.82% | STRESS |
| 71 | CITIZENS BANK OF CLOVIS, THE | CLOVIS, NM | Medium | -76.52% | STRESS |
| 72 | COREFIRST BANK & TRUST | TOPEKA, KS | Large | -75.03% | STRESS |
| 73 | FIRST BANK OF COASTAL GEORGIA | PEMBROKE, GA | Small | -74.59% | STRESS |
| 74 | CITIZENS BANK & TRUST COMPANY OF VIVIAN, LOUISIANA | VIVIAN, LA | Small | -73.89% | STRESS |
| 75 | PREFERRED BANK | ROTHVILLE, MO | Small | -73.62% | STRESS |
| 76 | BANK OF HINDMAN | HINDMAN, KY | Small | -73.49% | STRESS |
| 77 | RIVERWIND BANK | AUGUSTA, AR | Small | -72.65% | STRESS |
| 78 | INTRUST BANK, NATIONAL ASSOCIATION | WICHITA, KS | Large | -72.24% | STRESS |
| 79 | FIRST STATE BANK OF BROWNSBORO | BROWNSBORO, TX | Small | -71.96% | STRESS |
| 80 | UNITY BANK OF MISSISSIPPI | HOLLY SPRINGS, MS | Small | -71.94% | STRESS |
| 81 | TEXAS NATIONAL BANK | SWEETWATER, TX | Small | -71.85% | STRESS |
| 82 | UNB BANK | MOUNT CARMEL, PA | Small | -71.32% | STRESS |
| 83 | COMMUNITY NATIONAL BANK | SENECA, KS | Medium | -70.83% | STRESS |
| 84 | BREDA SAVINGS BANK | BREDA, IA | Small | -70.38% | STRESS |
| 85 | BANK OF OLD MONROE, THE | OLD MONROE, MO | Medium | -70.13% | STRESS |
| 86 | SOUTHWIND BANK | NATOMA, KS | Small | -70.04% | STRESS |
| 87 | USAA FEDERAL SAVINGS BANK | PHOENIX, AZ | National | -69.68% | STRESS |
| 88 | BRANNEN BANK | INVERNESS, FL | Large | -69.33% | STRESS |
| 89 | FIRST NATIONAL BANK OF DENNISON, OHIO, THE | DENNISON, OH | Small | -69.32% | STRESS |
| 90 | MERCHANTS & CITIZENS BANK, THE | MCRAE, GA | Small | -69.26% | STRESS |
| 91 | SLOVENIAN SAVINGS & LOAN ASSOCIATION OF FRANKLIN-CONEMAUGH | JOHNSTOWN, PA | Small | -69.17% | STRESS |
| 92 | COMMUNITY BANK OF ELMHURST | ELMHURST, IL | Small | -68.42% | STRESS |
| 93 | CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. | HUTCHINSON, MN | Small | -67.96% | STRESS |
| 94 | COMMERCIAL BANK | SAINT LOUIS, MO | Small | -67.12% | STRESS |
| 95 | FCNB BANK | STEELVILLE, MO | Small | -66.94% | STRESS |
| 96 | North Georgia National Bank | Calhoun, GA | Small | -66.92% | STRESS |
| 97 | PBT BANCORP | HAZARD, KY | Small | -66.86% | STRESS |
| 98 | HOMETOWN SAVINGS BANK, THE | TERRE HAUTE, IN | Small | -66.70% | STRESS |
| 99 | PRINCIPAL BANK | DES MOINES, IA | Large | -66.57% | STRESS |
| 100 | UNION STATE BANK | PELL CITY, AL | Small | -66.39% | STRESS |
Methodology
Negative values indicate unrealized LOSSES (the more common case in a rising-rate environment). The ranking is by largest burden first — banks with the most-negative ratio at the top. Excludes banks with very small securities portfolios where the ratio is not economically meaningful.
Source authority: FFIEC Call Report Schedule RC-B (securities) — mark-to-market values of available-for-sale (AFS) and held-to-maturity (HTM) securities compared with amortized cost, summed to a total unrealized gain/loss and expressed as a percentage of tangible common equity.
Frequently asked
What is AOCI and why does it matter?
Accumulated Other Comprehensive Income is the balance-sheet account where banks book unrealized gains and losses on available-for-sale (AFS) securities. When market interest rates rise, fixed-rate AFS bonds drop in fair value, creating negative AOCI that reduces tangible common equity. Even when not realized, this loss reflects the bank's true economic position — and would become real if the bank had to sell those securities (as Silicon Valley Bank did in March 2023, triggering its collapse).
Why include HTM securities here too?
HTM (held-to-maturity) securities don't mark through AOCI under GAAP accounting, but their mark-to-market loss is the same economic cost as AFS. If a bank facing liquidity stress is forced to reclassify and sell HTM securities, the loss becomes realized immediately — what happened with several mid-size banks in 2023. This screener treats AFS and HTM unrealized losses as equivalent economic burdens.
Does a large AOCI burden mean a bank is unsafe?
Not necessarily. Banks with stable deposit bases, strong liquidity, and no need to sell their securities portfolio before maturity can ride out an AOCI drawdown — the bonds will pull to par as they approach maturity. The risk arises when AOCI burden combines with deposit outflow pressure, forcing a bank to crystallize the loss. Pair this screener with the uninsured-deposit screener for the fuller picture.
Explore other risk screeners: CRE Concentration · Uninsured Deposits · AOCI Burden · Construction Concentration
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