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.

Data as of Q2 2026 call reports. Ranked lowest first; closed charters are excluded. Across the 3,592 ranked banks, the median Securities Unrealized G/L to Equity is -7.76%, and 1,070 are in the stress band. Next update: Q3 2026 Call Reports are due October 30, 2026; we expect them on the platform by mid-November 2026.

1,070In Stress Band

1,172On Watch

1,350Within Norms

3,592Total Ranked

How the bands work. Within norms: -5% or higher. On watch: from -15% up to -5%. In stress: below -15%. These are screening cutoffs, not supervisory ratings.

Showing the top 100 of 3,592 ranked banks. Create a free account or sign in to see every ranked bank.

#	Bank	HQ	Asset Tier	Securities Unrealized G/L to Equity	Band
1	Mauch Chunk Trust Company	Jim Thorpe, PA	5: $100M-1B	-680.44%	STRESS
2	Trusttexas Bank, S.S.B.	Cuero, TX	5: $100M-1B	-584.62%	STRESS
3	Phenix-Girard Bank	Phenix City, AL	5: $100M-1B	-425.96%	STRESS
4	First National Bank of Lake Jackson	Lake Jackson, TX	5: $100M-1B	-307.12%	STRESS
5	Bank of Cadiz and Trust Company	Cadiz, KY	5: $100M-1B	-245.52%	STRESS
6	First Financial Bank	Bessemer, AL	5: $100M-1B	-236.16%	STRESS
7	The Bank of Lafayette	La Fayette, GA	5: $100M-1B	-203.34%	STRESS
8	Anahuac National Bank	Anahuac, TX	5: $100M-1B	-162.70%	STRESS
9	Community Bank of Raymore	Raymore, MO	5: $100M-1B	-162.43%	STRESS
10	Du Quoin State Bank	Du Quoin, IL	5: $100M-1B	-159.06%	STRESS
11	The Citizens Bank of Winfield	Winfield, AL	5: $100M-1B	-138.86%	STRESS
12	Northern Interstate Bank, N.A.	Norway, MI	5: $100M-1B	-137.93%	STRESS
13	The First National Bank of Aspermont	Aspermont, TX	5: $100M-1B	-135.84%	STRESS
14	Pinnacle Bank	Jasper, AL	5: $100M-1B	-135.36%	STRESS
15	First National Bank of Kansas	Burlington, KS	5: $100M-1B	-129.90%	STRESS
16	CB&S Bank, Inc.	Russellville, AL	4: $1B-10B	-127.79%	STRESS
17	Mission Bank	Kingman, AZ	5: $100M-1B	-120.78%	STRESS
18	Astra Bank	Scandia, KS	5: $100M-1B	-117.89%	STRESS
19	The Farmers and Merchants National Bank of Fairview	Fairview, OK	5: $100M-1B	-114.97%	STRESS
20	RSNB Bank	Rock Springs, WY	5: $100M-1B	-112.45%	STRESS
21	First State Bank	Anadarko, OK	5: $100M-1B	-108.59%	STRESS
22	Farmers Bank	Ault, CO	5: $100M-1B	-107.74%	STRESS
23	Citizens National Bank of Cheboygan	Cheboygan, MI	5: $100M-1B	-107.50%	STRESS
24	First Bank of Boaz	Boaz, AL	5: $100M-1B	-105.78%	STRESS
25	Community Bank of Pleasant Hill	Pleasant Hill, MO	5: $100M-1B	-104.64%	STRESS
26	The Commercial Bank of Ozark	Ozark, AL	5: $100M-1B	-102.55%	STRESS
27	Citizens Bank and Trust	Frostproof, FL	4: $1B-10B	-102.51%	STRESS
28	The Bank of Glen Burnie	Glen Burnie, MD	5: $100M-1B	-99.18%	STRESS
29	First National Bank	Alamogordo, NM	5: $100M-1B	-96.81%	STRESS
30	The Commercial Bank	De Kalb, MS	5: $100M-1B	-96.39%	STRESS
31	The Citizens Bank	Farmington, NM	5: $100M-1B	-95.58%	STRESS
32	Washington State Bank	Washington, IA	5: $100M-1B	-94.29%	STRESS
33	Firststate Bank	Lineville, AL	5: $100M-1B	-93.15%	STRESS
34	Bank of Labor	Overland Park, KS	4: $1B-10B	-91.93%	STRESS
35	Solutions Bank	Forreston, IL	5: $100M-1B	-91.80%	STRESS
36	Security State Bank of Aitkin	Aitkin, MN	5: $100M-1B	-90.05%	STRESS
37	Peoplessouth Bank	Colquitt, GA	4: $1B-10B	-88.13%	STRESS
38	Carmine State Bank	Carmine, TX	5: $100M-1B	-86.90%	STRESS
39	The Citizens Bank of Clovis	Clovis, NM	5: $100M-1B	-85.66%	STRESS
40	First Bank of Coastal Georgia	Pembroke, GA	5: $100M-1B	-85.00%	STRESS
41	Citizens Bank and Trust of Lebanon, Inc.	Lebanon, KY	5: $100M-1B	-84.61%	STRESS
42	Farmers State Bank	Parkston, SD	5: $100M-1B	-83.18%	STRESS
43	Citizens Bank of Kansas	Kingman, KS	5: $100M-1B	-83.11%	STRESS
44	Farmers and Merchants Bank	Lafayette, AL	5: $100M-1B	-83.07%	STRESS
45	The Farmers State Bank	Quinton, OK	5: $100M-1B	-82.91%	STRESS
46	Farmers and Merchants Bank	Milford, NE	4: $1B-10B	-82.13%	STRESS
47	The Citizens National Bank of Hillsboro	Hillsboro, TX	5: $100M-1B	-81.63%	STRESS
48	Independence Bank of Kentucky	Owensboro, KY	4: $1B-10B	-79.57%	STRESS
49	Preferred Bank	Rothville, MO	5: $100M-1B	-79.42%	STRESS
50	The First National Bank of Ely	Ely, NV	5: $100M-1B	-78.57%	STRESS
51	Green Dot Bank	Provo, UT	4: $1B-10B	-78.27%	STRESS
52	First State Bank of Brownsboro	Brownsboro, TX	5: $100M-1B	-77.84%	STRESS
53	The Andover Bank	Andover, OH	5: $100M-1B	-77.18%	STRESS
54	Merchants Commercial Bank	Saint Thomas, VI	5: $100M-1B	-77.09%	STRESS
55	Community Bank of Louisiana	Mansfield, LA	5: $100M-1B	-77.02%	STRESS
56	The American National Bank of Texas	Terrell, TX	4: $1B-10B	-76.96%	STRESS
57	Hardin County Savings Bank	Eldora, IA	5: $100M-1B	-75.99%	STRESS
58	The Hamilton Bank	Hamilton, MO	5: $100M-1B	-75.65%	STRESS
59	Peoples Savings Bank	Indianola, IA	5: $100M-1B	-74.78%	STRESS
60	Corefirst Bank & Trust	Topeka, KS	4: $1B-10B	-74.40%	STRESS
61	The Citizens National Bank	Greenleaf, KS	5: $100M-1B	-73.95%	STRESS
62	Brannen Bank	Inverness, FL	4: $1B-10B	-73.44%	STRESS
63	Stifel Trust Company Delaware, N.A.	Greenville, DE	5: $100M-1B	-72.72%	STRESS
64	Farmers and Mechanics Federal Savings Bank	Bloomfield, IN	5: $100M-1B	-72.15%	STRESS
65	First National Bank in Trinidad	Trinidad, CO	5: $100M-1B	-71.94%	STRESS
66	The Citizens Bank of Philadelphia	Philadelphia, MS	4: $1B-10B	-71.69%	STRESS
67	Citizens Bank & Trust Company of Vivian, Louisiana	Vivian, LA	5: $100M-1B	-71.04%	STRESS
68	First & Peoples Bank and Trust Company	Russell, KY	5: $100M-1B	-70.73%	STRESS
69	Union State Bank	Pell City, AL	5: $100M-1B	-70.72%	STRESS
70	Citizens Bank & Trust Co., Hutchinson, Minn.	Hutchinson, MN	5: $100M-1B	-70.15%	STRESS
71	USAA Federal Savings Bank	Phoenix, AZ	2: $100B-250B	-69.90%	STRESS
72	Citizens Savings Bank	Spillville, IA	5: $100M-1B	-69.85%	STRESS
73	Unb Bank	Mount Carmel, PA	5: $100M-1B	-69.79%	STRESS
74	Commercial Bank & Trust of PA	Latrobe, PA	5: $100M-1B	-69.53%	STRESS
75	Bank of Hindman	Hindman, KY	5: $100M-1B	-68.91%	STRESS
76	Citizens State Bank	Monticello, IA	5: $100M-1B	-68.74%	STRESS
77	INTRUST Bank, N.A.	Wichita, KS	4: $1B-10B	-68.32%	STRESS
78	State Bank of Reeseville	Reeseville, WI	5: $100M-1B	-67.48%	STRESS
79	State Bank & Trust	Winfield, AL	5: $100M-1B	-67.33%	STRESS
80	Slovenian Savings & Loan Association of Franklin-Conemaugh	Johnstown, PA	5: $100M-1B	-67.27%	STRESS
81	Charles Schwab Bank, SSB	Westlake, TX	1: >= $250B	-66.76%	STRESS
82	Commercial Bank	Saint Louis, MO	5: $100M-1B	-66.04%	STRESS
83	Principal Bank	Des Moines, IA	4: $1B-10B	-65.94%	STRESS
84	Community Bank of Elmhurst	Elmhurst, IL	5: $100M-1B	-65.44%	STRESS
85	Community National Bank	Seneca, KS	5: $100M-1B	-64.88%	STRESS
86	Texas National Bank	Sweetwater, TX	5: $100M-1B	-63.81%	STRESS
87	First Security State Bank	Cranfills Gap, TX	5: $100M-1B	-63.20%	STRESS
88	Citizens Bank of the Midwest	Rolla, MO	5: $100M-1B	-63.07%	STRESS
89	Southwind Bank	Natoma, KS	5: $100M-1B	-63.00%	STRESS
90	First United National Bank	Fryburg, PA	5: $100M-1B	-62.71%	STRESS
91	The First Bank of Okarche	Okarche, OK	5: $100M-1B	-62.66%	STRESS
92	United Southern Bank	Umatilla, FL	5: $100M-1B	-62.65%	STRESS
93	The First National Bank of Dennison, Ohio	Dennison, OH	5: $100M-1B	-62.28%	STRESS
94	The Hometown Savings Bank	Terre Haute, IN	5: $100M-1B	-62.23%	STRESS
95	Riverwind Bank	Augusta, AR	5: $100M-1B	-61.48%	STRESS
96	First Bethany Bank & Trust	Bethany, OK	5: $100M-1B	-61.36%	STRESS
97	FCNB Bank	Steelville, MO	5: $100M-1B	-61.30%	STRESS
98	First National Bank of Pasco	Dade City, FL	5: $100M-1B	-61.21%	STRESS
99	Haddon Savings Bank	Haddon Heights, NJ	5: $100M-1B	-61.03%	STRESS
100	Community State Bank	Union Grove, WI	5: $100M-1B	-60.98%	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. Every bank with at least $100 million in total assets is ranked, including banks with very small securities portfolios, where the ratio carries little economic meaning.

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 total equity capital.

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 screeners: CRE Concentration · Uninsured Deposits · Construction Concentration · Agricultural Concentration · Loan Sale Prospects · OREO Prospects

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