Bank rankings
Banks ranked by unrealized bond losses vs equity
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
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.
Ranked banks
- Quarter ending
- June 30, 2026
- State
- All states
- Size band
- All sizes
- Results
- First 100 results
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| Bank | Loss vs equity | Peer group | Peer percentile | Lefomi grade |
|---|---|---|---|---|
| Rank 1Community State BankOK | 202.7% | Under $300M | 0.0 | Grade FScore 4.4 out of 100 |
| Rank 2Mission BankAZ | 102.3% | Under $300M | 0.1 | Grade DScore 10.1 out of 100 |
| Rank 3Independence Bank of KentuckyKY | 70.2% | $1B to under $10B | 0.0 | Grade DScore 17.6 out of 100 |
| Rank 4Northern Interstate Bank, N. A.MI | 63.4% | Under $300M | 0.1 | Grade FScore 1.7 out of 100 |
| Rank 5The First Bank of OkarcheOK | 62.7% | Under $300M | 0.2 | Grade BScore 55.4 out of 100 |
| Rank 6West View Savings BankPA | 58.1% | $300M to under $1B | 0.0 | Grade BScore 64.7 out of 100 |
| Rank 7Pee Dee Federal Savings BankSC | 54.3% | Under $300M | 0.2 | Grade AScore 85.5 out of 100 |
| Rank 8First Montana Bank, Inc.MT | 52.4% | $300M to under $1B | 0.1 | Grade DScore 14.9 out of 100 |
| Rank 9USAA Federal Savings BankAZ | 50.6% | $100B or more | 0.0 | Grade BScore 61.3 out of 100 |
| Rank 10Charles Schwab Bank, SSBTX | 47.0% | $100B or more | 3.2 | Grade AScore 90.3 out of 100 |
| Rank 11Slovenian Savings and Loan Association of CanonsburgPA | 42.3% | $300M to under $1B | 0.1 | Grade BScore 62.2 out of 100 |
| Rank 12Peoples Bank of GracevilleFL | 39.5% | Under $300M | 0.3 | Grade CScore 31.1 out of 100 |
| Rank 13Midland Federal Savings and Loan AssociationIL | 38.1% | Under $300M | 0.3 | Grade DScore 7.8 out of 100 |
| Rank 14Connect Community BankWA | 36.6% | Under $300M | 0.4 | Grade DScore 14.0 out of 100 |
| Rank 15Colfax Banking CompanyLA | 36.2% | Under $300M | 0.4 | Grade DScore 11.7 out of 100 |
| Rank 16First Bank ChicagoIL | 36.0% | $1B to under $10B | 0.1 | Grade FScore 0.4 out of 100 |
| Rank 17Inwood National BankTX | 35.5% | $1B to under $10B | 0.2 | Grade DScore 13.5 out of 100 |
| Rank 18Palmetto State BankSC | 35.5% | $300M to under $1B | 0.2 | Grade BScore 60.3 out of 100 |
| Rank 19Union State BankAL | 35.4% | Under $300M | 0.5 | Grade FScore 0.1 out of 100 |
| Rank 20First State Bank of Ben Wheeler, TexasTX | 35.2% | Under $300M | 0.6 | Grade BScore 67.9 out of 100 |
| Rank 21The Citizens Bank of Philadelphia, MississippiMS | 35.2% | $1B to under $10B | 0.3 | Grade DScore 10.9 out of 100 |
| Rank 22Vidalia Federal Savings BankGA | 34.7% | Under $300M | 0.6 | Grade BScore 51.5 out of 100 |
| Rank 23Bank of HawaiiHI | 34.6% | $10B to under $100B | 0.0 | Grade DScore 15.9 out of 100 |
| Rank 24Horizon Bank, SSBTX | 34.6% | $1B to under $10B | 0.4 | Grade DScore 12.8 out of 100 |
| Rank 25First Command BankTX | 34.4% | $1B to under $10B | 0.6 | Grade AScore 86.6 out of 100 |
| Bank | Loss vs equity | Peer group | Peer percentile | Lefomi grade |
| Rank 26Bank of America, National AssociationNC | 34.1% | $100B or more | 6.5 | Grade CScore 22.6 out of 100 |
| Rank 27Profile BankNH | 33.9% | $300M to under $1B | 0.3 | Grade DScore 14.1 out of 100 |
| Rank 28Cenlar FSBNJ | 33.4% | $300M to under $1B | 0.3 | Grade CScore 36.1 out of 100 |
| Rank 29The Neffs National BankPA | 33.0% | $300M to under $1B | 0.4 | Grade AScore 84.3 out of 100 |
| Rank 30Lumbee Guaranty BankNC | 32.0% | $300M to under $1B | 0.5 | Grade CScore 39.4 out of 100 |
| Rank 31Farmers State Bank of CalhanCO | 31.7% | $300M to under $1B | 0.6 | Grade FScore 3.9 out of 100 |
| Rank 32Mauch Chunk Trust CompanyPA | 31.7% | $300M to under $1B | 0.6 | Grade FScore 1.0 out of 100 |
| Rank 33The Commercial BankSC | 31.5% | Under $300M | 0.7 | Grade CScore 28.5 out of 100 |
| Rank 34Charles Schwab Premier Bank, SSBTX | 30.8% | $10B to under $100B | 0.8 | Grade AScore 92.5 out of 100 |
| Rank 35First Savings Bank of HegewischIL | 30.3% | $300M to under $1B | 0.7 | Grade AScore 89.6 out of 100 |
| Rank 36Argentine Federal SavingsKS | 30.2% | Under $300M | 0.7 | Grade DScore 5.8 out of 100 |
| Rank 37Bank of KilmichaelMS | 29.4% | $300M to under $1B | 0.8 | Grade FScore 2.4 out of 100 |
| Rank 38Citizens State BankIA | 29.3% | $300M to under $1B | 0.8 | Grade DScore 19.8 out of 100 |
| Rank 39First Pacific BankCA | 29.2% | $300M to under $1B | 0.9 | Grade FScore 0.3 out of 100 |
| Rank 40The First Bank of CelesteTX | 28.5% | Under $300M | 0.8 | Grade CScore 28.9 out of 100 |
| Rank 41CoreFirst Bank & TrustKS | 28.0% | $1B to under $10B | 0.7 | Grade CScore 30.3 out of 100 |
| Rank 42Citizens State Bank of New Castle, IndianaIN | 27.4% | $300M to under $1B | 1.0 | Grade DScore 12.3 out of 100 |
| Rank 43Lindell Bank & Trust CompanyMO | 27.3% | $300M to under $1B | 1.0 | Grade AScore 86.6 out of 100 |
| Rank 44DNB National BankSD | 27.3% | Under $300M | 0.8 | Grade DScore 15.1 out of 100 |
| Rank 45Elkton Bank & Trust CompanyKY | 26.5% | Under $300M | 0.9 | Grade DScore 13.2 out of 100 |
| Rank 46Huntington Federal Savings BankWV | 26.4% | $300M to under $1B | 1.1 | Grade BScore 79.2 out of 100 |
| Rank 47First BankMO | 26.0% | $1B to under $10B | 0.8 | Grade CScore 23.4 out of 100 |
| Rank 48Charles Schwab Trust BankTX | 26.0% | $10B to under $100B | 1.6 | Grade AScore 94.4 out of 100 |
| Rank 49First Southern BankGA | 25.8% | $300M to under $1B | 1.2 | Grade DScore 18.9 out of 100 |
| Rank 50Elk State BankKS | 25.7% | Under $300M | 0.9 | Grade CScore 36.7 out of 100 |
| Bank | Loss vs equity | Peer group | Peer percentile | Lefomi grade |
| Rank 51Metro BankAL | 25.3% | $1B to under $10B | 0.9 | Grade CScore 39.9 out of 100 |
| Rank 52Bank of GuamGU | 25.2% | $1B to under $10B | 1.0 | Grade FScore 0.0 out of 100 |
| Rank 53Unity Bank of MississippiMS | 24.7% | Under $300M | 1.0 | Grade FScore 0.5 out of 100 |
| Rank 54Morgan Stanley Private Bank, National AssociationNY | 24.6% | $100B or more | 9.7 | Grade CScore 38.7 out of 100 |
| Rank 55Woodforest National BankTX | 24.4% | $1B to under $10B | 1.1 | Grade DScore 15.9 out of 100 |
| Rank 56El Dorado Savings Bank, F.S.B.CA | 23.9% | $1B to under $10B | 1.2 | Grade AScore 91.2 out of 100 |
| Rank 57State Bank of ReesevilleWI | 23.8% | Under $300M | 1.1 | Grade DScore 5.1 out of 100 |
| Rank 58Union BankTN | 23.8% | Under $300M | 1.1 | Grade DScore 12.0 out of 100 |
| Rank 59Security Bank MidwestSD | 23.6% | $300M to under $1B | 1.3 | Grade CScore 23.5 out of 100 |
| Rank 60Community Bank of LouisianaLA | 23.5% | $300M to under $1B | 1.3 | Grade DScore 7.9 out of 100 |
| Rank 61Ledyard National BankVT | 22.8% | $1B to under $10B | 1.3 | Grade DScore 14.5 out of 100 |
| Rank 62First Guaranty BankLA | 22.2% | $1B to under $10B | 1.5 | Grade FScore 1.0 out of 100 |
| Rank 63Washington Trust BankWA | 22.2% | $10B to under $100B | 2.4 | Grade FScore 4.0 out of 100 |
| Rank 64Southwest Capital BankNM | 22.1% | $300M to under $1B | 1.4 | Grade FScore 1.2 out of 100 |
| Rank 65Eagle Bank and Trust CompanyAR | 22.1% | $300M to under $1B | 1.5 | Grade CScore 28.1 out of 100 |
| Rank 66Madison Valley BankMT | 22.0% | Under $300M | 1.2 | Grade FScore 4.6 out of 100 |
| Rank 67American Heritage BankOK | 21.9% | $1B to under $10B | 1.6 | Grade CScore 45.4 out of 100 |
| Rank 68First State BankNM | 21.5% | Under $300M | 1.2 | Grade CScore 32.6 out of 100 |
| Rank 69Southern Bancorp BankAR | 21.4% | $1B to under $10B | 1.7 | Grade DScore 11.6 out of 100 |
| Rank 70Dalhart Federal Savings & Loan Association, SSBTX | 21.4% | Under $300M | 1.3 | Grade CScore 41.6 out of 100 |
| Rank 71ANB BankCO | 21.3% | $1B to under $10B | 1.8 | Grade DScore 7.6 out of 100 |
| Rank 72Chino Commercial Bank, N.A.CA | 21.3% | $300M to under $1B | 1.5 | Grade DScore 8.6 out of 100 |
| Rank 73Devon BankIL | 21.0% | $300M to under $1B | 1.6 | Grade FScore 2.6 out of 100 |
| Rank 74Greene County Commercial BankNY | 20.9% | $1B to under $10B | 1.9 | Grade CScore 43.0 out of 100 |
| Rank 75Western BankNM | 20.5% | $300M to under $1B | 1.7 | Grade BScore 52.5 out of 100 |
| Bank | Loss vs equity | Peer group | Peer percentile | Lefomi grade |
| Rank 76Bank of MeadNE | 19.7% | Under $300M | 1.3 | Grade BScore 59.4 out of 100 |
| Rank 77American Business BankCA | 19.4% | $1B to under $10B | 2.0 | Grade CScore 22.4 out of 100 |
| Rank 78Armstrong County Building and Loan AssociationPA | 19.4% | Under $300M | 1.4 | Grade BScore 50.1 out of 100 |
| Rank 79The First State Bank of ShelbyMT | 19.3% | Under $300M | 1.4 | Grade BScore 66.5 out of 100 |
| Rank 80Yakima Federal Savings and Loan AssociationWA | 19.2% | $1B to under $10B | 2.1 | Grade AScore 83.1 out of 100 |
| Rank 81Wells Fargo Bank, National AssociationSD | 19.2% | $100B or more | 12.9 | Grade FScore 1.6 out of 100 |
| Rank 82Farmers & Merchants Bank of Central CaliforniaCA | 18.6% | $1B to under $10B | 2.2 | Grade CScore 41.7 out of 100 |
| Rank 83FBT Bank & MortgageAR | 18.5% | Under $300M | 1.5 | Grade DScore 8.3 out of 100 |
| Rank 84Winter Hill Bank, FSBMA | 18.4% | $300M to under $1B | 1.7 | Grade CScore 25.1 out of 100 |
| Rank 85First Federal Bank of OhioOH | 18.3% | Under $300M | 1.6 | Grade BScore 54.5 out of 100 |
| Rank 86Cypress Bank, SSBTX | 17.9% | Under $300M | 1.6 | Grade DScore 14.8 out of 100 |
| Rank 87Big Horn Federal Savings BankWY | 17.8% | $300M to under $1B | 1.8 | Grade BScore 52.8 out of 100 |
| Rank 88The Farmers State Bank and Trust CompanyIL | 17.7% | Under $300M | 1.7 | Grade CScore 22.5 out of 100 |
| Rank 89Citizens Community BankIL | 17.6% | $300M to under $1B | 1.9 | Grade FScore 0.3 out of 100 |
| Rank 90BAC Community BankCA | 17.5% | $300M to under $1B | 2.0 | Grade DScore 15.3 out of 100 |
| Rank 91Old Plank Trail Community Bank, National AssociationIL | 17.5% | $1B to under $10B | 2.4 | Grade CScore 26.0 out of 100 |
| Rank 92The Liberty Savings Association, FSAKS | 17.5% | Under $300M | 1.7 | Grade AScore 85.5 out of 100 |
| Rank 93The Cleveland State BankMS | 17.5% | $300M to under $1B | 2.0 | Grade CScore 25.1 out of 100 |
| Rank 94The Commercial and Savings Bank of Millersburg, OhioOH | 17.4% | $1B to under $10B | 2.5 | Grade BScore 51.7 out of 100 |
| Rank 95Bank of The RockiesMT | 17.2% | Under $300M | 1.8 | Grade DScore 9.4 out of 100 |
| Rank 96Peoples Savings and Loan CompanyOH | 17.1% | Under $300M | 1.8 | Grade BScore 65.7 out of 100 |
| Rank 97Spratt Savings BankSC | 17.1% | Under $300M | 1.9 | Grade CScore 46.1 out of 100 |
| Rank 98Centinel Bank of TaosNM | 17.1% | $300M to under $1B | 2.1 | Grade CScore 27.5 out of 100 |
| Rank 99Hardin County Savings BankIA | 17.1% | $300M to under $1B | 2.2 | Grade DScore 8.3 out of 100 |
| Rank 100Exchange Bank and Trust Company, Natchitoches, LouisianaLA | 17.0% | Under $300M | 1.9 | Grade DScore 12.8 out of 100 |
Sources
- Source
- FDIC Call Reports