Banks ranked by unrealized bond losses vs equity

This ranking sorts FDIC-insured banks by unrealized held-to-maturity losses as a share of total equity. The value compares the gap between those bonds’ amortized cost and reported fair value with the bank’s equity. A higher value means more equity would be absorbed if the bank sold those bonds. Any gain is counted as zero. The gap is a paper loss, not a loss the bank has taken. It disappears as the bonds mature unless the bank is forced to sell them early.

This ranking reflects one reported ratio, not the bank’s full financial position, a grade or a forecast. It does not show an actual loss or establish that the bank must sell its bonds. Beside each value, Lefomi shows the bank’s asset-size peer band and metric percentile. The percentile measures the share of reporting banks in that size band that the institution is safer than on this ratio. Banks are compared only with other banks of similar size. Lefomi is an independent information site, not a bank, rating agency or financial adviser.

Banks, quarter ending June 30, 2026
#	Bank	State	Loss vs equity	Percentile	Grade
1	Community State Bank	OK	202.7%	0.0	F4.4
2	Mission Bank	AZ	102.3%	0.1	D10.1
3	Independence Bank of Kentucky	KY	70.2%	0.0	D17.6
4	Northern Interstate Bank, N. A.	MI	63.4%	0.1	F1.7
5	The First Bank of Okarche	OK	62.7%	0.2	B55.4
6	West View Savings Bank	PA	58.1%	0.0	B64.7
7	Pee Dee Federal Savings Bank	SC	54.3%	0.2	A85.5
8	First Montana Bank, Inc.	MT	52.4%	0.1	D14.9
9	USAA Federal Savings Bank	AZ	50.6%	0.0	B61.3
10	Charles Schwab Bank, SSB	TX	47.0%	3.2	A90.3
11	Slovenian Savings and Loan Association of Canonsburg	PA	42.3%	0.1	B62.2
12	Peoples Bank of Graceville	FL	39.5%	0.3	C31.1
13	Midland Federal Savings and Loan Association	IL	38.1%	0.3	D7.8
14	Connect Community Bank	WA	36.6%	0.4	D14.0
15	Colfax Banking Company	LA	36.2%	0.4	D11.7
16	First Bank Chicago	IL	36.0%	0.1	F0.4
17	Inwood National Bank	TX	35.5%	0.2	D13.5
18	Palmetto State Bank	SC	35.5%	0.2	B60.3
19	Union State Bank	AL	35.4%	0.5	F0.1
20	First State Bank of Ben Wheeler, Texas	TX	35.2%	0.6	B67.9
21	The Citizens Bank of Philadelphia, Mississippi	MS	35.2%	0.3	D10.9
22	Vidalia Federal Savings Bank	GA	34.7%	0.6	B51.5
23	Bank of Hawaii	HI	34.6%	0.0	D15.9
24	Horizon Bank, SSB	TX	34.6%	0.4	D12.8
25	First Command Bank	TX	34.4%	0.6	A86.6
26	Bank of America, National Association	NC	34.1%	6.5	C22.6
27	Profile Bank	NH	33.9%	0.3	D14.1
28	Cenlar FSB	NJ	33.4%	0.3	C36.1
29	The Neffs National Bank	PA	33.0%	0.4	A84.3
30	Lumbee Guaranty Bank	NC	32.0%	0.5	C39.4
31	Farmers State Bank of Calhan	CO	31.7%	0.6	F3.9
32	Mauch Chunk Trust Company	PA	31.7%	0.6	F1.0
33	The Commercial Bank	SC	31.5%	0.7	C28.5
34	Charles Schwab Premier Bank, SSB	TX	30.8%	0.8	A92.5
35	First Savings Bank of Hegewisch	IL	30.3%	0.7	A89.6
36	Argentine Federal Savings	KS	30.2%	0.7	D5.8
37	Bank of Kilmichael	MS	29.4%	0.8	F2.4
38	Citizens State Bank	IA	29.3%	0.8	D19.8
39	First Pacific Bank	CA	29.2%	0.9	F0.3
40	The First Bank of Celeste	TX	28.5%	0.8	C28.9
41	CoreFirst Bank & Trust	KS	28.0%	0.7	C30.3
42	Citizens State Bank of New Castle, Indiana	IN	27.4%	1.0	D12.3
43	Lindell Bank & Trust Company	MO	27.3%	1.0	A86.6
44	DNB National Bank	SD	27.3%	0.8	D15.1
45	Elkton Bank & Trust Company	KY	26.5%	0.9	D13.2
46	Huntington Federal Savings Bank	WV	26.4%	1.1	B79.2
47	First Bank	MO	26.0%	0.8	C23.4
48	Charles Schwab Trust Bank	TX	26.0%	1.6	A94.4
49	First Southern Bank	GA	25.8%	1.2	D18.9
50	Elk State Bank	KS	25.7%	0.9	C36.7
51	Metro Bank	AL	25.3%	0.9	C39.9
52	Bank of Guam	GU	25.2%	1.0	F0.0
53	Unity Bank of Mississippi	MS	24.7%	1.0	F0.5
54	Morgan Stanley Private Bank, National Association	NY	24.6%	9.7	C38.7
55	Woodforest National Bank	TX	24.4%	1.1	D15.9
56	El Dorado Savings Bank, F.S.B.	CA	23.9%	1.2	A91.2
57	State Bank of Reeseville	WI	23.8%	1.1	D5.1
58	Union Bank	TN	23.8%	1.1	D12.0
59	Security Bank Midwest	SD	23.6%	1.3	C23.5
60	Community Bank of Louisiana	LA	23.5%	1.3	D7.9
61	Ledyard National Bank	VT	22.8%	1.3	D14.5
62	First Guaranty Bank	LA	22.2%	1.5	F1.0
63	Washington Trust Bank	WA	22.2%	2.4	F4.0
64	Southwest Capital Bank	NM	22.1%	1.4	F1.2
65	Eagle Bank and Trust Company	AR	22.1%	1.5	C28.1
66	Madison Valley Bank	MT	22.0%	1.2	F4.6
67	American Heritage Bank	OK	21.9%	1.6	C45.4
68	First State Bank	NM	21.5%	1.2	C32.6
69	Southern Bancorp Bank	AR	21.4%	1.7	D11.6
70	Dalhart Federal Savings & Loan Association, SSB	TX	21.4%	1.3	C41.6
71	ANB Bank	CO	21.3%	1.8	D7.6
72	Chino Commercial Bank, N.A.	CA	21.3%	1.5	D8.6
73	Devon Bank	IL	21.0%	1.6	F2.6
74	Greene County Commercial Bank	NY	20.9%	1.9	C43.0
75	Western Bank	NM	20.5%	1.7	B52.5
76	Bank of Mead	NE	19.7%	1.3	B59.4
77	American Business Bank	CA	19.4%	2.0	C22.4
78	Armstrong County Building and Loan Association	PA	19.4%	1.4	B50.1
79	The First State Bank of Shelby	MT	19.3%	1.4	B66.5
80	Yakima Federal Savings and Loan Association	WA	19.2%	2.1	A83.1
81	Wells Fargo Bank, National Association	SD	19.2%	12.9	F1.6
82	Farmers & Merchants Bank of Central California	CA	18.6%	2.2	C41.7
83	FBT Bank & Mortgage	AR	18.5%	1.5	D8.3
84	Winter Hill Bank, FSB	MA	18.4%	1.7	C25.1
85	First Federal Bank of Ohio	OH	18.3%	1.6	B54.5
86	Cypress Bank, SSB	TX	17.9%	1.6	D14.8
87	Big Horn Federal Savings Bank	WY	17.8%	1.8	B52.8
88	The Farmers State Bank and Trust Company	IL	17.7%	1.7	C22.5
89	Citizens Community Bank	IL	17.6%	1.9	F0.3
90	BAC Community Bank	CA	17.5%	2.0	D15.3
91	Old Plank Trail Community Bank, National Association	IL	17.5%	2.4	C26.0
92	The Liberty Savings Association, FSA	KS	17.5%	1.7	A85.5
93	The Cleveland State Bank	MS	17.5%	2.0	C25.1
94	The Commercial and Savings Bank of Millersburg, Ohio	OH	17.4%	2.5	B51.7
95	Bank of The Rockies	MT	17.2%	1.8	D9.4
96	Peoples Savings and Loan Company	OH	17.1%	1.8	B65.7
97	Spratt Savings Bank	SC	17.1%	1.9	C46.1
98	Centinel Bank of Taos	NM	17.1%	2.1	C27.5
99	Hardin County Savings Bank	IA	17.1%	2.2	D8.3
100	Exchange Bank and Trust Company, Natchitoches, Louisiana	LA	17.0%	1.9	D12.8

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