Bank health
Every FDIC-insured US bank, scored on public data
The FinObservatory Composite rates each active institution 0-100 (higher = financially stronger) as a peer-percentile blend of five call-report dimensions. It is a transparent proxy built only from public FDIC filings, not the confidential CAMELS supervisory rating and not investment or deposit advice.
Data as of 2026Q1 (FDIC call reports)
Source: FDIC BankFind Suite (institutions, financials, failures) Figures for the latest reported quarter; FDIC dollar fields are in thousands of USD. Methodology
Composite score distribution
How the 4,292 scored institutions spread across the 0-100 scale in 2026Q1.
Composite score band (0-100), 4,292 active institutions. The distribution is bell-shaped and centered near 50 by construction: the composite averages up to twelve peer-percentile metrics, so extremes on every dimension at once are rare.
Source: FinObservatory Composite (derived from FDIC call reports) Methodology
Bank screener
Every active institution with a composite this quarter, largest first. Search by name, city, or state; filter by asset-size peer group; sort by assets or composite. Each row links to the bank’s full scorecard.
| Bank | State | Peer group | ||
|---|---|---|---|---|
| JPMorgan Chase Bank, National Association #628 | OH | $250B and up | $4.02T | 64.8 |
| Bank of America, National Association #3510 | NC | $250B and up | $2.67T | 47.2 |
| Citibank, National Association #7213 | SD | $250B and up | $1.93T | 68.0 |
| Wells Fargo Bank, National Association #3511 | SD | $250B and up | $1.85T | 46.9 |
| Goldman Sachs Bank USA #33124 | NY | $250B and up | $751.78B | 43.0 |
| U.S. Bank National Association #6548 | OH | $250B and up | $683.38B | 45.6 |
| Capital One, National Association #4297 | VA | $250B and up | $672.01B | 52.6 |
| PNC Bank, National Association #6384 | DE | $250B and up | $567.95B | 50.7 |
| Truist Bank #9846 | NC | $250B and up | $541.18B | 53.4 |
| The Bank of New York Mellon #639 | NY | $250B and up | $467.35B | 58.4 |
| Morgan Stanley Bank, National Association #32992 | UT | $250B and up | $391.31B | 62.3 |
| State Street Bank and Trust Company #14 | MA | $250B and up | $386.55B | 52.0 |
| TD Bank, National Association #18409 | DE | $250B and up | $345.61B | 57.5 |
| Fifth Third Bank, National Association #6672 | OH | $250B and up | $296.12B | 44.6 |
| The Huntington National Bank #6560 | OH | $250B and up | $284.14B | 40.0 |
| BMO Bank National Association #16571 | IL | $250B and up | $251.96B | 63.0 |
| Charles Schwab Bank, SSB #57450 | TX | $10B - $250B | $242.91B | 65.5 |
| Morgan Stanley Private Bank, National Association #34221 | NY | $10B - $250B | $241.39B | 53.4 |
| First-Citizens Bank & Trust Company #11063 | NC | $10B - $250B | $235.52B | 39.6 |
| Citizens Bank, National Association #57957 | RI | $10B - $250B | $227.13B | 41.2 |
| American Express National Bank #27471 | UT | $10B - $250B | $217.57B | 49.4 |
| Manufacturers and Traders Trust Company #588 | NY | $10B - $250B | $214.20B | 42.2 |
| KeyBank National Association #17534 | OH | $10B - $250B | $185.98B | 50.8 |
| Ally Bank #57803 | UT | $10B - $250B | $185.66B | 47.8 |
| The Northern Trust Company #913 | IL | $10B - $250B | $173.84B | 57.4 |
| HSBC Bank USA, National Association #57890 | VA | $10B - $250B | $167.71B | 47.8 |
| Regions Bank #12368 | AL | $10B - $250B | $159.43B | 46.5 |
| Pinnacle Bank #35583 | TN | $10B - $250B | $122.63B | 33.5 |
| UBS Bank USA, National Association #57565 | UT | $10B - $250B | $122.26B | 59.9 |
| Synchrony Bank #27314 | UT | $10B - $250B | $114.86B | 57.8 |
| USAA Federal Savings Bank #32188 | AZ | $10B - $250B | $109.67B | 54.2 |
| Santander Bank, N.A. #29950 | DE | $10B - $250B | $106.09B | 55.8 |
| City National Bank #17281 | CA | $10B - $250B | $99.95B | 49.6 |
| Western Alliance Bank #57512 | AZ | $10B - $250B | $98.77B | 24.1 |
| Zions Bancorporation, N.A. #2270 | UT | $10B - $250B | $87.96B | 44.9 |
| Flagstar Bank, National Association #32541 | NY | $10B - $250B | $87.13B | 24.8 |
| Webster Bank, National Association #18221 | CT | $10B - $250B | $85.53B | 46.5 |
| First Horizon Bank #4977 | TN | $10B - $250B | $83.82B | 43.1 |
| East West Bank #31628 | CA | $10B - $250B | $82.47B | 65.9 |
| Old National Bank #3832 | IN | $10B - $250B | $72.61B | 30.2 |
| UMB Bank, National Association #8273 | MO | $10B - $250B | $72.35B | 60.4 |
| SouthState Bank, National Association #33555 | FL | $10B - $250B | $67.87B | 55.3 |
| Columbia Bank #17266 | OR | $10B - $250B | $66.01B | 43.0 |
| CIBC Bank USA #33306 | IL | $10B - $250B | $65.13B | 60.1 |
| Valley National Bank #9396 | NJ | $10B - $250B | $64.39B | 42.9 |
| Banco Popular de Puerto Rico #34968 | PR | $10B - $250B | $60.63B | 49.8 |
| BOKF, National Association #4214 | OK | $10B - $250B | $53.49B | 55.1 |
| Frost Bank #5510 | TX | $10B - $250B | $52.77B | 62.3 |
| First National Bank of Pennsylvania #7888 | PA | $10B - $250B | $50.42B | 56.1 |
| SoFi Bank, National Association #26881 | UT | $10B - $250B | $49.67B | 56.7 |
| EverBank, National Association #34775 | FL | $10B - $250B | $47.23B | 26.0 |
| Barclays Bank Delaware #57203 | DE | $10B - $250B | $46.65B | 58.7 |
| Raymond James Bank #33893 | FL | $10B - $250B | $45.74B | 56.7 |
| Associated Bank, National Association #5296 | WI | $10B - $250B | $45.54B | 50.5 |
| Bank of China #33653 | NY | $10B - $250B | $44.45B | 46.6 |
| Prosperity Bank #16835 | TX | $10B - $250B | $43.61B | 62.2 |
| MidFirst Bank #4063 | OK | $10B - $250B | $42.11B | 41.4 |
| Bank OZK #110 | AR | $10B - $250B | $41.66B | 59.2 |
| Deutsche Bank Trust Company Americas #623 | NY | $10B - $250B | $39.74B | 53.9 |
| Atlantic Union Bank #34589 | VA | $10B - $250B | $37.23B | 52.8 |
| Commerce Bank #24998 | MO | $10B - $250B | $35.54B | 72.7 |
| Hancock Whitney Bank #12441 | MS | $10B - $250B | $35.53B | 56.7 |
| BankUnited, National Association #58979 | FL | $10B - $250B | $35.34B | 31.8 |
| First National Bank of Omaha #5452 | NE | $10B - $250B | $34.73B | 56.9 |
| Banc of California #24045 | CA | $10B - $250B | $34.64B | 41.7 |
| United Bank #22858 | VA | $10B - $250B | $33.61B | 66.6 |
| Texas Capital Bank #34383 | TX | $10B - $250B | $33.21B | 53.0 |
| TD Bank USA, National Association #33947 | DE | $10B - $250B | $32.72B | 56.0 |
| Fulton Bank, National Association #7551 | PA | $10B - $250B | $32.11B | 48.5 |
| Glacier Bank #30788 | MT | $10B - $250B | $31.72B | 54.5 |
| BNY Mellon, National Association #7946 | PA | $10B - $250B | $30.92B | 51.5 |
| Eastern Bank #32773 | MA | $10B - $250B | $30.62B | 40.3 |
| Sallie Mae Bank #58177 | UT | $10B - $250B | $29.46B | 58.5 |
| FirstBank #18714 | CO | $10B - $250B | $29.36B | 45.2 |
| City National Bank of Florida #20234 | FL | $10B - $250B | $28.63B | 56.8 |
| Axos Bank #35546 | CA | $10B - $250B | $28.24B | 44.5 |
| United Community Bank #16889 | SC | $10B - $250B | $28.11B | 49.7 |
| Arvest Bank #8728 | AR | $10B - $250B | $28.02B | 39.5 |
| Ameris Bank #20504 | GA | $10B - $250B | $28.02B | 65.5 |
| WaFd Bank #28088 | WA | $10B - $250B | $27.55B | 40.3 |
| Charles Schwab Premier Bank, SSB #33497 | TX | $10B - $250B | $27.44B | 81.8 |
| WesBanco Bank, Inc. #803 | WV | $10B - $250B | $27.42B | 45.1 |
| Renasant Bank #12437 | MS | $10B - $250B | $27.09B | 42.8 |
| First Interstate Bank #1105 | MT | $10B - $250B | $26.36B | 43.4 |
| Customers Bank #34444 | PA | $10B - $250B | $25.86B | 52.0 |
| Ameriprise Bank, FSB #58303 | MN | $10B - $250B | $25.51B | 82.3 |
| Provident Bank #12010 | NJ | $10B - $250B | $25.19B | 49.4 |
| Rockland Trust Company #9712 | MA | $10B - $250B | $24.79B | 57.4 |
| Simmons Bank #3890 | AR | $10B - $250B | $24.65B | 33.1 |
| First Hawaiian Bank #17985 | HI | $10B - $250B | $24.27B | 60.5 |
| Cathay Bank #18503 | CA | $10B - $250B | $24.04B | 61.1 |
| Bank of Hawaii #18053 | HI | $10B - $250B | $23.88B | 56.3 |
| State Bank of India #33682 | NY | $10B - $250B | $23.46B | 46.8 |
| TriState Capital Bank #58457 | PA | $10B - $250B | $23.25B | 44.2 |
| Centennial Bank #11241 | AR | $10B - $250B | $23.03B | 68.5 |
| First Financial Bank #6600 | OH | $10B - $250B | $22.69B | 49.6 |
| TowneBank #35095 | VA | $10B - $250B | $22.36B | 47.5 |
| Beacon Bank and Trust #17798 | MA | $10B - $250B | $22.18B | 28.9 |
| Wilmington Savings Fund Society, FSB #17838 | DE | $10B - $250B | $22.02B | 67.0 |
| Mechanics Bank #1768 | CA | $10B - $250B | $21.40B | 53.6 |
Source: FinObservatory Composite (derived from FDIC call reports) Methodology
Recent failures
The most recent FDIC-resolved bank failures. 40 FDIC-insured banks have failed since 2015, far below the 2008-2012 wave, but the tail has not closed. How the composite scored each failure before it happened, hits, misses and the false-positive base rate, is published in full on the backtest page.
| Bank | Location | Failed | Assets | Est. DIF cost |
|---|---|---|---|---|
| COMMUNITY BANK AND TRUST - WEST GEORGIA | LAGRANGE, GA | May 1, 2026 | $305.7M | Not reported |
| METROPOLITAN CAPITAL B&T | CHICAGO, IL | Jan 30, 2026 | $261.2M | $19.6M |
| SANTA ANNA NATIONAL BANK | SANTA ANNA, TX | Jun 27, 2025 | $76.9M | $23.5M |
| PULASKI SAVINGS BANK | CHICAGO, IL | Jan 17, 2025 | $49.5M | $31.1M |
| FIRST NB OF LINDSAY | LINDSAY, OK | Oct 18, 2024 | $107.8M | $45.0M |
| REPUBLIC BANK | PHILADELPHIA, PA | Apr 26, 2024 | $5.87B | $712.5M |
Source: FDIC BankFind Suite (institutions, financials, failures) Estimated cost to the Deposit Insurance Fund as reported by the FDIC; assisted-transaction records are excluded. Methodology
Deposit market structure
How concentrated US bank deposits are, from the FDIC’s annual Summary of Deposits. In 2025 the national deposit market held a Herfindahl-Hirschman Index of 390.7 with the top five institutions holding 37.7% of deposits across 4,431 institutions and 76,120 branch offices. This HHI is an institution-share index (0-10,000), computed nationally here and by state in the tables below; it is not the county or metropolitan-area market definition the Federal Reserve and Department of Justice use in merger-review screening, which measures concentration far more locally.
Source: FDIC Summary of Deposits (annual branch-office deposit survey) National totals across all FDIC-insured institutions, as of June 30 each year; deposit dollar fields are in thousands of USD. Methodology
Most concentrated states (2025)
| State | HHI | Top-5 | Banks |
|---|---|---|---|
| DE | 4836.4 | 94.7% | 36 |
| SD | 4654.1 | 96.4% | 81 |
| AK | 2678.0 | 93.9% | 7 |
| NC | 2625.7 | 85.0% | 86 |
| HI | 2568.5 | 95.4% | 13 |
Least concentrated states (2025)
| State | HHI | Top-5 | Banks |
|---|---|---|---|
| IA | 203.9 | 25.8% | 266 |
| KS | 222.4 | 26.6% | 241 |
| KY | 355.9 | 34.8% | 156 |
| IN | 446.9 | 38.4% | 133 |
| ND | 451.1 | 37.8% | 73 |
Source: FDIC Summary of Deposits (annual branch-office deposit survey) Ranked among the 50 states by institution-share HHI; DC and the US territories and freely-associated states are excluded so the comparison is like-for-like. Methodology
See the full methodology for the formula, component weights, peer groups, the 2023-failures backtest, the DFAST and deposit-concentration sources, and the mandatory not-CAMELS / not-advice caveats.