Banks ranked by Texas ratio

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.

Banks, quarter ending June 30, 2026
#	Bank	State	Texas ratio	Percentile	Grade
1	Lamont Bank of St. John	WA	519.1%	0.0	C43.7
2	Columbia Savings and Loan Association	WI	231.1%	0.1	C47.5
3	Nano Banc	CA	209.8%	0.0	F0.1
4	MidFirst Bank	OK	139.9%	0.0	B60.7
5	Grand Rivers Community Bank	IL	113.1%	0.2	F3.4
6	First Security Bank and Trust Company	OK	94.7%	0.2	D19.2
7	First State Bank of Randolph County	GA	90.5%	0.3	D10.7
8	Enterprise Bank	PA	82.2%	0.1	F0.6
9	Chesterfield State Bank	IL	78.7%	0.3	B70.8
10	Transpecos Banks, SSB	TX	74.0%	0.1	F2.7
11	First & Peoples Bank and Trust Company	KY	70.8%	0.4	C21.2
12	First Southern Bank	AL	70.5%	0.2	F2.5
13	Bank of Vici	OK	69.0%	0.4	C27.5
14	The First Bank and Trust Company of Murphysboro	IL	66.7%	0.5	D7.1
15	Newtek Bank, National Association	FL	58.5%	0.0	B53.1
16	Unity Bank	WI	58.1%	0.3	D14.1
17	Drake Bank	MN	57.8%	0.6	F4.2
18	The Iuka State Bank	IL	57.1%	0.6	C29.9
19	Farmers Bank	CO	51.1%	0.7	D16.2
20	AllNations Bank	OK	50.6%	0.7	D9.4
21	SNB Bank, National Association	OK	49.5%	0.8	B60.1
22	Home Savings Bank, FSB	KY	48.8%	0.8	C27.3
23	United Republic Bank	NE	48.7%	0.9	D18.2
24	Farmers State Bank	IL	48.4%	0.9	C29.9
25	The Pauls Valley National Bank	OK	48.3%	0.3	D13.6
26	Sterling Federal Bank, F.S.B.	IL	48.3%	0.4	D13.1
27	First Enterprise Bank	OK	47.1%	1.0	F2.0
28	Commercial Bank & Trust Company	AR	46.5%	0.5	C23.1
29	WCF Financial Bank	IA	45.9%	1.1	F3.2
30	South Lafourche Bank & Trust Company	LA	45.4%	1.1	D8.1
31	FirsTier Bank	NE	45.3%	0.1	D12.2
32	Red River State Bank	MN	45.0%	1.2	B75.2
33	Bank of Ontario	WI	44.6%	1.2	B79.2
34	MRV Banks	MO	44.4%	0.6	D10.5
35	Gateway Bank	AR	44.1%	1.3	F0.0
36	Peoples Bank and Trust Company	OK	43.9%	1.3	D15.3
37	Solon State Bank	IA	43.9%	1.4	C24.8
38	American Trust and Savings Bank	IA	43.7%	1.4	B56.1
39	First Bank of the Lake	MO	43.6%	0.2	C48.5
40	First Secure Bank and Trust Co.	IL	43.3%	0.6	C24.4
41	Central Bank	AR	43.2%	0.7	D11.1
42	Midwest Regional Bank	MO	42.8%	0.8	D8.8
43	First Utah Bank	UT	42.8%	0.8	F3.0
44	Citizens Bank & Trust Company	LA	42.7%	1.5	D14.0
45	SJN Bank of Kansas	KS	41.8%	0.9	C35.7
46	BHM Bank	AL	41.7%	1.6	C45.2
47	First Bank	KS	40.9%	1.6	D15.9
48	Preferred Bank	IL	40.9%	1.7	D8.7
49	Pbt Bancorp	KY	40.2%	1.0	F3.6
50	Commercial Capital Bank	LA	40.0%	1.0	D5.3
51	First National Bank	NM	39.6%	1.1	F2.2
52	Touchmark National Bank	GA	39.2%	1.2	D5.7
53	Bank of Frankewing	TN	38.6%	1.3	B52.2
54	Live Oak Banking Company	NC	38.3%	0.8	C31.3
55	GN Bank	IL	37.9%	1.7	B66.5
56	Citizens Bank of the Midwest	MO	37.9%	1.8	F1.1
57	First Central Bank McCook	NE	37.7%	1.8	D9.9
58	The State Exchange Bank	OK	37.5%	1.9	D11.5
59	First State Bank of Bigfork	MN	37.3%	1.9	B58.6
60	The First State Bank of Rosemount	MN	36.7%	2.0	D10.4
61	Modern Bank, National Association	NY	36.6%	1.3	F2.3
62	United Bank of Philadelphia	PA	36.4%	2.0	B72.0
63	Carver Federal Savings Bank	NY	36.2%	1.4	F1.3
64	All America Bank	OK	36.1%	1.5	D19.8
65	The Fairmount State Bank	IN	35.5%	2.1	B58.3
66	California Pacific Bank	CA	34.8%	2.2	C32.6
67	Triad Bank, National Association	OK	34.8%	2.2	D9.2
68	Millennium Bank	IL	34.3%	1.5	F2.8
69	Bank of Coushatta	LA	34.2%	1.6	F0.5
70	Wellington State Bank	TX	33.9%	1.7	D14.1
71	Flagstar Bank, National Association	NY	33.8%	1.6	C22.2
72	Barrington Bank & Trust Company, National Association	IL	33.7%	0.3	C36.9
73	Citizens Community Bank	IL	33.5%	1.7	F0.3
74	Bank360	OK	33.5%	2.3	C20.3
75	Hiawatha National Bank	WI	32.7%	1.8	C27.5
76	Tri-Valley Bank	IA	32.7%	2.3	D12.4
77	Mauch Chunk Trust Company	PA	32.6%	1.9	F1.0
78	SouthPoint Bank	AL	32.5%	0.4	D11.7
79	The Idabel National Bank	OK	32.3%	2.4	D5.6
80	Lincoln Savings Bank	IA	32.0%	0.6	C20.6
81	Meridian Bank	PA	31.6%	0.7	F1.8
82	Global Bank	NY	31.6%	2.0	C26.2
83	Frontier State Bank	OK	31.4%	2.0	C22.1
84	Talbot State Bank	GA	30.9%	2.4	D7.1
85	First National Bank of Fort Stockton	TX	30.7%	2.5	C24.3
86	State Bank of Nauvoo	IL	30.6%	2.5	D10.4
87	American Bank	LA	30.6%	2.1	F4.7
88	MidAmerica National Bank	IL	30.5%	2.2	C25.1
89	GBank	NV	30.3%	0.8	D19.4
90	Rochelle State Bank	GA	30.1%	2.6	D5.1
91	Foresight Bank	MN	29.8%	2.2	C28.1
92	Citizens Savings Bank and Trust Company	TN	29.7%	2.7	F3.6
93	Farmers and Merchants State Bank of Springfield	MN	29.4%	2.7	C41.2
94	Great Plains State Bank	NE	29.2%	2.3	C24.0
95	The Karnes County National Bank of Karnes City	TX	29.1%	2.4	F2.0
96	Goldwater Bank, N.A.	AZ	29.1%	2.4	F3.4
97	First State Bank and Trust Company, Inc.	MO	29.0%	2.5	B65.2
98	Bank of Washington	MO	29.0%	0.9	B50.7
99	Merchants & Farmers Bank of Greene County, Alabama	AL	28.7%	2.8	D11.5
100	First Secure Community Bank	IL	28.6%	2.6	D9.7

How we grade