Bank rankings
Banks ranked by Texas ratio
One reported ratio determines this order, including filtered results. Its percentile, standing among similarly sized banks, differs from the overall size-group score and letter, which combine ratios. Each row names the bank’s size group; adjacent labels show the filed quarter and result limit. These comparisons do not change deposit insurance.
Metric notes
The Texas ratio compares a bank’s troubled assets with its cushion for absorbing them. Troubled assets are loans 90 or more days past due or no longer earning interest, plus foreclosed real estate. The cushion is the bank’s equity plus its allowance for loan and lease losses. A higher ratio means troubled assets are larger relative to that cushion and is treated as riskier.
This ranking sorts FDIC-insured banks by that single ratio, so it is not a grade or a forecast. The ratio does not show whether troubled loans are secured. It also does not show reserves beyond the allowance included in the calculation. Each value appears beside the bank’s asset-based peer band and percentile. Banks are compared only with other banks of similar size that report the ratio. The percentile shows the share of those peers the bank is safer than on this measure, after recognizing that a lower Texas ratio is better. You can filter the ranking by state or peer band.
Ranked banks
- Quarter ending
- June 30, 2026
- State
- All states
- Size band
- All sizes
- Results
- First 100 results
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| Bank | Texas ratio | Peer group | Peer percentile | Lefomi grade |
|---|---|---|---|---|
| Rank 1Lamont Bank of St. JohnWA | 519.1% | Under $300M | 0.0 | Grade CScore 43.7 out of 100 |
| Rank 2Columbia Savings and Loan AssociationWI | 231.1% | Under $300M | 0.1 | Grade CScore 47.5 out of 100 |
| Rank 3MidFirst BankOK | 139.9% | $10B to under $100B | 0.0 | Grade BScore 60.7 out of 100 |
| Rank 4Grand Rivers Community BankIL | 113.1% | Under $300M | 0.2 | Grade FScore 3.4 out of 100 |
| Rank 5First Security Bank and Trust CompanyOK | 94.7% | Under $300M | 0.2 | Grade DScore 19.2 out of 100 |
| Rank 6First State Bank of Randolph CountyGA | 90.5% | Under $300M | 0.3 | Grade DScore 10.7 out of 100 |
| Rank 7Enterprise BankPA | 82.2% | $300M to under $1B | 0.1 | Grade FScore 0.6 out of 100 |
| Rank 8Chesterfield State BankIL | 78.7% | Under $300M | 0.3 | Grade BScore 70.8 out of 100 |
| Rank 9Transpecos Banks, SSBTX | 74.0% | $300M to under $1B | 0.1 | Grade FScore 2.7 out of 100 |
| Rank 10First & Peoples Bank and Trust CompanyKY | 70.8% | Under $300M | 0.4 | Grade CScore 21.2 out of 100 |
| Rank 11First Southern BankAL | 70.5% | $300M to under $1B | 0.2 | Grade FScore 2.5 out of 100 |
| Rank 12Bank of ViciOK | 69.0% | Under $300M | 0.4 | Grade CScore 27.5 out of 100 |
| Rank 13The First Bank and Trust Company of MurphysboroIL | 66.7% | Under $300M | 0.5 | Grade DScore 7.1 out of 100 |
| Rank 14Newtek Bank, National AssociationFL | 58.5% | $1B to under $10B | 0.0 | Grade BScore 53.1 out of 100 |
| Rank 15Unity BankWI | 58.1% | $300M to under $1B | 0.3 | Grade DScore 14.1 out of 100 |
| Rank 16Drake BankMN | 57.8% | Under $300M | 0.6 | Grade FScore 4.2 out of 100 |
| Rank 17The Iuka State BankIL | 57.1% | Under $300M | 0.6 | Grade CScore 29.9 out of 100 |
| Rank 18Farmers BankCO | 51.1% | Under $300M | 0.7 | Grade DScore 16.2 out of 100 |
| Rank 19AllNations BankOK | 50.6% | Under $300M | 0.7 | Grade DScore 9.4 out of 100 |
| Rank 20SNB Bank, National AssociationOK | 49.5% | Under $300M | 0.8 | Grade BScore 60.1 out of 100 |
| Rank 21Home Savings Bank, FSBKY | 48.8% | Under $300M | 0.8 | Grade CScore 27.3 out of 100 |
| Rank 22United Republic BankNE | 48.7% | Under $300M | 0.9 | Grade DScore 18.2 out of 100 |
| Rank 23Farmers State BankIL | 48.4% | Under $300M | 0.9 | Grade CScore 29.9 out of 100 |
| Rank 24The Pauls Valley National BankOK | 48.3% | $300M to under $1B | 0.3 | Grade DScore 13.6 out of 100 |
| Rank 25Sterling Federal Bank, F.S.B.IL | 48.3% | $300M to under $1B | 0.4 | Grade DScore 13.1 out of 100 |
| Bank | Texas ratio | Peer group | Peer percentile | Lefomi grade |
| Rank 26First Enterprise BankOK | 47.1% | Under $300M | 1.0 | Grade FScore 2.0 out of 100 |
| Rank 27Commercial Bank & Trust CompanyAR | 46.5% | $300M to under $1B | 0.5 | Grade CScore 23.1 out of 100 |
| Rank 28WCF Financial BankIA | 45.9% | Under $300M | 1.1 | Grade FScore 3.2 out of 100 |
| Rank 29South Lafourche Bank & Trust CompanyLA | 45.4% | Under $300M | 1.1 | Grade DScore 8.1 out of 100 |
| Rank 30FirsTier BankNE | 45.3% | $1B to under $10B | 0.1 | Grade DScore 12.2 out of 100 |
| Rank 31Red River State BankMN | 45.0% | Under $300M | 1.2 | Grade BScore 75.2 out of 100 |
| Rank 32Bank of OntarioWI | 44.6% | Under $300M | 1.2 | Grade BScore 79.2 out of 100 |
| Rank 33MRV BanksMO | 44.4% | $300M to under $1B | 0.6 | Grade DScore 10.5 out of 100 |
| Rank 34Gateway BankAR | 44.1% | Under $300M | 1.3 | Grade FScore 0.0 out of 100 |
| Rank 35Peoples Bank and Trust CompanyOK | 43.9% | Under $300M | 1.3 | Grade DScore 15.3 out of 100 |
| Rank 36Solon State BankIA | 43.9% | Under $300M | 1.4 | Grade CScore 24.8 out of 100 |
| Rank 37American Trust and Savings BankIA | 43.7% | Under $300M | 1.4 | Grade BScore 56.1 out of 100 |
| Rank 38First Bank of the LakeMO | 43.6% | $1B to under $10B | 0.2 | Grade CScore 48.5 out of 100 |
| Rank 39First Secure Bank and Trust Co.IL | 43.3% | $300M to under $1B | 0.6 | Grade CScore 24.4 out of 100 |
| Rank 40Central BankAR | 43.2% | $300M to under $1B | 0.7 | Grade DScore 11.1 out of 100 |
| Rank 41Midwest Regional BankMO | 42.8% | $300M to under $1B | 0.8 | Grade DScore 8.8 out of 100 |
| Rank 42First Utah BankUT | 42.8% | $300M to under $1B | 0.8 | Grade FScore 3.0 out of 100 |
| Rank 43Citizens Bank & Trust CompanyLA | 42.7% | Under $300M | 1.5 | Grade DScore 14.0 out of 100 |
| Rank 44SJN Bank of KansasKS | 41.8% | $300M to under $1B | 0.9 | Grade CScore 35.7 out of 100 |
| Rank 45BHM BankAL | 41.7% | Under $300M | 1.6 | Grade CScore 45.2 out of 100 |
| Rank 46First BankKS | 40.9% | Under $300M | 1.6 | Grade DScore 15.9 out of 100 |
| Rank 47Pbt BancorpKY | 40.2% | $300M to under $1B | 1.0 | Grade FScore 3.6 out of 100 |
| Rank 48Commercial Capital BankLA | 40.0% | $300M to under $1B | 1.0 | Grade DScore 5.3 out of 100 |
| Rank 49First National BankNM | 39.6% | $300M to under $1B | 1.1 | Grade FScore 2.2 out of 100 |
| Rank 50Touchmark National BankGA | 39.2% | $300M to under $1B | 1.2 | Grade DScore 5.7 out of 100 |
| Bank | Texas ratio | Peer group | Peer percentile | Lefomi grade |
| Rank 51Bank of FrankewingTN | 38.6% | $300M to under $1B | 1.3 | Grade BScore 52.2 out of 100 |
| Rank 52Live Oak Banking CompanyNC | 38.3% | $10B to under $100B | 0.8 | Grade CScore 31.3 out of 100 |
| Rank 53GN BankIL | 37.9% | Under $300M | 1.7 | Grade BScore 66.5 out of 100 |
| Rank 54Citizens Bank of the MidwestMO | 37.9% | Under $300M | 1.8 | Grade FScore 1.1 out of 100 |
| Rank 55First Central Bank McCookNE | 37.7% | Under $300M | 1.8 | Grade DScore 9.9 out of 100 |
| Rank 56The State Exchange BankOK | 37.5% | Under $300M | 1.9 | Grade DScore 11.5 out of 100 |
| Rank 57First State Bank of BigforkMN | 37.3% | Under $300M | 1.9 | Grade BScore 58.6 out of 100 |
| Rank 58The First State Bank of RosemountMN | 36.7% | Under $300M | 2.0 | Grade DScore 10.4 out of 100 |
| Rank 59Modern Bank, National AssociationNY | 36.6% | $300M to under $1B | 1.3 | Grade FScore 2.3 out of 100 |
| Rank 60United Bank of PhiladelphiaPA | 36.4% | Under $300M | 2.0 | Grade BScore 72.0 out of 100 |
| Rank 61Carver Federal Savings BankNY | 36.2% | $300M to under $1B | 1.4 | Grade FScore 1.3 out of 100 |
| Rank 62All America BankOK | 36.1% | $300M to under $1B | 1.5 | Grade DScore 19.8 out of 100 |
| Rank 63The Fairmount State BankIN | 35.5% | Under $300M | 2.1 | Grade BScore 58.3 out of 100 |
| Rank 64California Pacific BankCA | 34.8% | Under $300M | 2.2 | Grade CScore 32.6 out of 100 |
| Rank 65Triad Bank, National AssociationOK | 34.8% | Under $300M | 2.2 | Grade DScore 9.2 out of 100 |
| Rank 66Millennium BankIL | 34.3% | $300M to under $1B | 1.5 | Grade FScore 2.8 out of 100 |
| Rank 67Bank of CoushattaLA | 34.2% | $300M to under $1B | 1.6 | Grade FScore 0.5 out of 100 |
| Rank 68Wellington State BankTX | 33.9% | $300M to under $1B | 1.7 | Grade DScore 14.1 out of 100 |
| Rank 69Flagstar Bank, National AssociationNY | 33.8% | $10B to under $100B | 1.6 | Grade CScore 22.2 out of 100 |
| Rank 70Barrington Bank & Trust Company, National AssociationIL | 33.7% | $1B to under $10B | 0.3 | Grade CScore 36.9 out of 100 |
| Rank 71Citizens Community BankIL | 33.5% | $300M to under $1B | 1.7 | Grade FScore 0.3 out of 100 |
| Rank 72Bank360OK | 33.5% | Under $300M | 2.3 | Grade CScore 20.3 out of 100 |
| Rank 73Hiawatha National BankWI | 32.7% | $300M to under $1B | 1.8 | Grade CScore 27.5 out of 100 |
| Rank 74Tri-Valley BankIA | 32.7% | Under $300M | 2.3 | Grade DScore 12.4 out of 100 |
| Rank 75Mauch Chunk Trust CompanyPA | 32.6% | $300M to under $1B | 1.9 | Grade FScore 1.0 out of 100 |
| Bank | Texas ratio | Peer group | Peer percentile | Lefomi grade |
| Rank 76SouthPoint BankAL | 32.5% | $1B to under $10B | 0.4 | Grade DScore 11.7 out of 100 |
| Rank 77The Idabel National BankOK | 32.3% | Under $300M | 2.4 | Grade DScore 5.6 out of 100 |
| Rank 78Lincoln Savings BankIA | 32.0% | $1B to under $10B | 0.6 | Grade CScore 20.6 out of 100 |
| Rank 79Meridian BankPA | 31.6% | $1B to under $10B | 0.7 | Grade FScore 1.8 out of 100 |
| Rank 80Global BankNY | 31.6% | $300M to under $1B | 2.0 | Grade CScore 26.2 out of 100 |
| Rank 81Frontier State BankOK | 31.4% | $300M to under $1B | 2.0 | Grade CScore 22.1 out of 100 |
| Rank 82Talbot State BankGA | 30.9% | Under $300M | 2.4 | Grade DScore 7.1 out of 100 |
| Rank 83First National Bank of Fort StocktonTX | 30.7% | Under $300M | 2.5 | Grade CScore 24.3 out of 100 |
| Rank 84State Bank of NauvooIL | 30.6% | Under $300M | 2.5 | Grade DScore 10.4 out of 100 |
| Rank 85American BankLA | 30.6% | $300M to under $1B | 2.1 | Grade FScore 4.7 out of 100 |
| Rank 86MidAmerica National BankIL | 30.5% | $300M to under $1B | 2.2 | Grade CScore 25.1 out of 100 |
| Rank 87GBankNV | 30.3% | $1B to under $10B | 0.8 | Grade DScore 19.4 out of 100 |
| Rank 88Rochelle State BankGA | 30.1% | Under $300M | 2.6 | Grade DScore 5.1 out of 100 |
| Rank 89Foresight BankMN | 29.8% | $300M to under $1B | 2.2 | Grade CScore 28.1 out of 100 |
| Rank 90Citizens Savings Bank and Trust CompanyTN | 29.7% | Under $300M | 2.7 | Grade FScore 3.6 out of 100 |
| Rank 91Farmers and Merchants State Bank of SpringfieldMN | 29.4% | Under $300M | 2.7 | Grade CScore 41.2 out of 100 |
| Rank 92Great Plains State BankNE | 29.2% | $300M to under $1B | 2.3 | Grade CScore 24.0 out of 100 |
| Rank 93The Karnes County National Bank of Karnes CityTX | 29.1% | $300M to under $1B | 2.4 | Grade FScore 2.0 out of 100 |
| Rank 94Goldwater Bank, N.A.AZ | 29.1% | $300M to under $1B | 2.4 | Grade FScore 3.4 out of 100 |
| Rank 95First State Bank and Trust Company, Inc.MO | 29.0% | $300M to under $1B | 2.5 | Grade BScore 65.2 out of 100 |
| Rank 96Bank of WashingtonMO | 29.0% | $1B to under $10B | 0.9 | Grade BScore 50.7 out of 100 |
| Rank 97Merchants & Farmers Bank of Greene County, AlabamaAL | 28.7% | Under $300M | 2.8 | Grade DScore 11.5 out of 100 |
| Rank 98First Secure Community BankIL | 28.6% | $300M to under $1B | 2.6 | Grade DScore 9.7 out of 100 |
| Rank 99Gilmer National Bank, Gilmer, TexasTX | 28.5% | $300M to under $1B | 2.6 | Grade CScore 29.1 out of 100 |
| Rank 100Washita Valley BankOK | 28.4% | Under $300M | 2.8 | Grade DScore 11.5 out of 100 |
Sources
- Source
- FDIC Call Reports