Florida Banks

Questions

Think Like Senior Bank Management

Work through your own bank's profile and compare it to the bank you're paired with. In each area, start with the direct measurement questions to read the numbers, then move to the discussion questions to get at causes, risks and strategy. Approach it as management deciding where to protect strengths, fix weaknesses and put resources.

▶Profile Size, structure, mix

Before judging performance, understand the shape of the bank. Size, balance sheet composition, loan mix, investment mix and deposit mix set both the opportunities and the risks that follow.

Direct measurement

How does your total asset size compare to the other banks in the room?
Is your bank close in size to the one you're paired with, or much larger or smaller?
What share of assets are loans, and how does that compare to peers?
Which loan category is largest in your portfolio? Is it the same one for most peers?
What does your investment portfolio hold, and how much of the balance sheet is it?
What is your deposit mix, and which category is largest?
How many FTE employees do you carry, and what does that work out to per dollar of assets?

Further discussion

Does your size give you scale advantages, or does it limit your competitive reach?
How does the split between loans and securities shape your earnings potential and your liquidity?
If your loan mix is concentrated, is that a strategic choice or a market limitation?
How does your deposit mix affect what your funding costs and how stable it is?
Your assets per employee differ from your paired bank's. Is that business model, market, or efficiency?
Are these characteristics aligned with your long-term strategy, or are they a legacy of past decisions?

▶Return Earnings power

Return measures how well the bank converts its balance sheet into earnings. Strong returns can come from efficient operations, a healthy margin, diversified income and disciplined risk — or from one-time events and leverage. The question is whether yours are sustainable.

Direct measurement

What did the bank earn last quarter in dollars? Is quarterly net income trending up or down?
How does your ROA compare to peers — higher, lower, or about the same?
How does your ROE compare? Does it line up with your ROA, or is leverage driving the difference?
Is your margin wider or narrower than peers? By how much?
How does your yield on earning assets compare to the peer median?
Is your cost of funds meaningfully higher or lower than the bank you're paired with?
How much of your revenue is fee income relative to peers?
Is your overhead ratio better or worse than peers?
Is provision expense above, below or near peers? Is it a material drag on earnings?

Further discussion

If ROE is high, is it strong earnings, thin capital, or both?
If your margin is strong, is that pricing, asset mix, or cheap funding?
If your cost of funds is low, is it core deposits or simply slower repricing?
If fee income is high, is it diversified or riding on one line of business?
How much of your overhead is structural — branches, staff, systems — and how much is discretionary?
If provision expense is low, is credit pristine, or are you under-reserving?
How would these earnings hold up in a different rate environment?

▶Risk: Asset Quality Credit

Asset quality reflects the health of the loan portfolio. Non-performers and charge-offs show current stress and hint at future losses. Good credit supports stable earnings and capital; deterioration erodes both quickly.

Direct measurement

How does your non-performing percentage compare to peers? Inside the typical range, or outside it?
How does your charge-off ratio compare?
How far apart are you and the bank you're paired with on each?
Has either measure improved or worsened over the past twelve months?
If both are low, do they confirm each other, or is one lagging the other?

Further discussion

If charge-offs are elevated, is that one large credit or many small ones?
Which loan segments are driving your non-performers — CRE, C&I, consumer?
How do your underwriting standards compare to peers — more conservative or more aggressive?
Has your loan mix shifted recently in ways that could show up in credit later?
Has your provision expense been adequate against the non-performers you're carrying?
If your credit looks better than peers, is that skill, luck, or market conditions?
Are non-performers trending in a way that points to higher charge-offs next year?

▶Risk: Liquidity Funding stability

Liquidity comes from two places: assets you can turn into cash, and funding that stays put. The app shows both — a liquidity cushion net of wholesale funding, a stricter primary-liquidity measure after pledging and haircuts, plus borrowing to equity, loan to deposit, and core deposits.

Direct measurement

Is your liquidity level above or below the peer median? Inside the typical range, or outside it?
Is it positive or negative — do your liquid assets cover your wholesale funding?
How much of that cushion survives the primary-liquidity screen? Is the drop small or large?
How does your primary liquidity compare to the bank you're paired with?
Is your borrowing to equity higher or lower than peers, and has it moved over the past year?
Is your loan-to-deposit ratio above 100%, below, or about the same as peers?
What share of your funding is core deposits compared to peers?

Further discussion

If your cushion looks healthy but primary liquidity is thin, what explains the gap — pledging, portfolio mix, or the credit quality of what you hold?
Is a low cushion a deliberate decision to deploy assets for earnings, or a funding constraint?
If borrowings are high relative to equity, is that term funding supporting loan growth, or an overnight plug?
If deposits fell 5% next quarter, where does the replacement funding come from, and what does it cost?
If your loan-to-deposit ratio is low, is that under-utilization or a deliberate buffer? If high, does your plan address stressed funding markets?
If core deposits are below peers, is that market competition or a funding choice?
Between you and your paired bank, who has more room to absorb an outflow — and is the difference market or strategy?

▶Risk: Interest Rate Risk Margin exposure

Interest rate risk shows up in the timing mismatch between what your assets earn and what your funding costs. Four views: the margin itself with yield and cost on top of it, the maturity and repricing structure of your assets, and how far each side actually moved when market rates moved. The timing view is asset-side only — the UBPR treats every non-maturity deposit as short-term, so the funding side of that picture isn't trustworthy enough to show.

Direct measurement

Is your margin wider or narrower than a year ago? Than your paired bank's?
Over the same stretch, did yield or cost do more of the work? Which direction did each move?
Which maturity or repricing bucket holds the largest share of your assets? Is that where peers sit?
Slide back through the earlier quarters — has your asset structure shifted, or held steady?
When prime moved, how far did your loan yield follow? Same question for securities against the 10-year and the 30-year mortgage rate.
When fed funds moved, how far did your time deposit cost follow? Your savings and MMDA cost?
Which of your deposit categories moved least? Is that the same category your paired bank was stickiest in?

Further discussion

Deposit rates are set by somebody at your bank; asset yields reprice through maturities, prepayments and new volume. Which of your two numbers reflects a decision, and which reflects structure?
If your deposit costs lagged the market on the way up, will they lag on the way down — or is there less room to fall than there was to rise?
If your assets are concentrated short, what does another rate cut do to your margin? If concentrated long, what did the last rise already do to it?
Your yield moved less than the market did. Is that fixed-rate structure, competitive pricing, or mix?
Is your current asset timing an intentional margin position, or the residue of what borrowers wanted?
Over the past year, did your margin move the way your structure suggested it should? If not, what does that tell you the data isn't showing?
Between you and your paired bank, who is better positioned for the rate path you actually expect over the next 12–24 months?

The asset yields are tax-equivalent and the deposit costs are not. Don't subtract one page from the other to build a margin.

▶Capital Strength, capacity

Capital is the foundation of both safety and strategic flexibility. It absorbs unexpected losses, satisfies regulators, and creates room to grow. Look at equity to assets alongside the risk-based measures and judge whether your position is conservative, aggressive, or well balanced for what you're trying to do.

Direct measurement

How does your equity-to-assets ratio compare to peers — higher, lower, or about the same?
Where does your leverage ratio sit relative to peers, and have you elected the community bank leverage framework?
How do your CET1 and total risk-based capital ratios compare to peers?
Is your equity to assets close to, or far from, the bank you're paired with?
Do your risk-based ratios tell the same story as your leverage ratio, or a different one?

Further discussion

If your risk-based ratios look strong relative to your leverage ratio, what does that say about the risk weighting of your balance sheet?
If you grew loans 10% next year, what would that do to each ratio?
If you're holding more capital than peers, is it for safety, growth readiness, or a regulatory reason?
If you're holding less, is that aggressive growth, recent losses, or a different leverage strategy?
How do earnings retention and dividend payout affect your ability to build capital from here?
If you took a large unexpected loss, how far would it cut into these ratios?
Could your capital carry credit losses and margin compression at the same time?
If capital is strong but returns are weak, how could you deploy it to create value?

▶Growth Pace, balance

Growth drives earnings and market share, but it consumes capital and liquidity and can strain credit. Sustainable growth keeps loans and deposits roughly in step and stays inside the resources the bank actually has.

Direct measurement

Is total asset growth positive or negative? How does it compare to peers?
Is your loan growth faster, slower, or about the same as peers?
Is your deposit growth positive or negative, and how does it compare?
Is loan growth running ahead of deposit growth, behind it, or roughly even?
How does that spread compare to the peer median — and to the bank you're paired with?
Have loans and deposits moved in the same direction over the past year?

Further discussion

If loan growth is strong, is it demand, pricing, or looser credit standards?
If deposit growth is strong, is it core relationships or promotional rates?
If loans have outrun deposits, what funded the difference — and can that source carry another year of it?
If deposits have outrun loans, where is the money going, and what is it earning?
Has growth in either put pressure on capital or liquidity?
Have you entered new markets or segments to drive growth?
Are you growing faster or slower than your strategic plan called for?
If your growth is below peers, is that risk management or a missed opportunity?
What are the tradeoffs if you accelerate or slow growth next year?

Banks

Pick a bank here and it opens in the app on the right. Tap a column heading to sort. Once a bank is selected, W and S step up and down the list, and the app holds the page you are on — so you can choose a page once and then walk the whole list through it. Failed banks are the exception: they open on their last filed quarter, at the profile page. Hold, above the app or on the spine at the far right, parks the bank you are looking at in a second pane so the list can be walked against it.

▶Florida banks 83 banks

Every bank with a Florida head office filing for 2026Q1, $343.4B in combined assets. Head office as filed, which is not always the office nearest you — a bank with branches down the street may be chartered somewhere else and will not appear on this list.

Bank	City	Assets▼	RSSD
SouthState Bank, N.A.	Winter Haven	$67.9B	1929247
EverBank, N.A.	Jacksonville	$47.2B	2735146
Raymond James Bank	Saint Petersburg	$45.7B	2193616
BankUnited, N.A.	Miami Lakes	$35.3B	3938186
City Nat'l Bank of Florida	Miami	$28.6B	814430
Seacoast Nat'l Bank	Stuart	$21.1B	34537
Amerant Bank, N.A.	Coral Gables	$9.9B	83638
Ocean Bank	Miami	$7.5B	663834
Emigrant Bank	Miami	$5.9B	137915
Banesco USA	Miami	$5.8B	3402913
Bradesco Bank	Coral Gables	$5.5B	725732
Capital City Bank	Tallahassee	$4.5B	876634
First Federal Bank	Lake City	$4.4B	384278
Banco Do Brasil Americas	Miami	$3.4B	110936
Bank of Tampa, the	Tampa	$3.1B	273336
U.S. Century Bank	Miami	$2.8B	3146150
Cogent Bank	Orlando	$2.4B	2847142
Crews Bank & Trust	Wauchula	$2.4B	200435
Newtek Bank, N.A.	Miami	$2.2B	502111
One Florida Bank	Orlando	$2.1B	3807880
Intercredit Bank, N.A.	Coral Gables	$2.0B	44433
Climate First Bank	Saint Petersburg	$1.8B	5592340
International Finance Bank	Miami	$1.6B	867632
Pacific Nat'l Bank	Miami	$1.5B	577137
Citizens Bank and Trust	Frostproof	$1.5B	701839
Grove Bank & Trust	Miami	$1.4B	648130
OptimumBank	Fort Lauderdale	$1.3B	2953418
Bank of Central Florida	Lakeland	$1.3B	3588312
BayFirst Nat'l Bank	Saint Petersburg	$1.2B	2771694
First State Bank	Key West	$1.2B	191935
Helm Bank USA	Miami	$1.2B	1414819
Sanibel Captiva Community Bank	Sanibel	$1.0B	3122994
Brannen Bank	Inverness	$1.0B	760331
MainStreet Community Bank of Florida	DeLand	$948M	3217957
TerraBank, N.A.	Miami	$869M	238737
United Southern Bank	Umatilla	$843M	327435
First Bank	Clewiston	$823M	131436
Axiom Bank, N.A.	Maitland	$774M	408875
Flagship Bank	Clearwater	$762M	3404999
Florida Capital Bank, N.A.	Jacksonville	$714M	188430
FNBT Bank	Fort Walton Beach	$654M	697231
Anchor Bank	Palm Beach Gardens	$607M	3342671
Sunrise Bank	Orlando	$600M	3370133
Sunstate Bank	Miami	$569M	2791085
Intracoastal Bank	Palm Coast	$565M	3786435
Edison Nat'l Bank	Fort Myers	$477M	2594419
Paradise Bank	Boca Raton	$445M	3368635
BankFlorida	Dade City	$439M	3629484
Waterfall Bank	Clearwater	$422M	5650923
TCM Bank, N.A.	Tampa	$391M	2687487
Central Bank	Tampa	$390M	3468450
Gulfside Bank	Sarasota	$362M	5303724
Locality Bank	Fort Lauderdale	$358M	5673191
First Nat'l Bank of Mount Dora, the	Mount Dora	$355M	61832
Desjardins Bank, N.A.	Hallandale	$341M	1940747
Interamerican Bank, a Federal Savings Bank	Miami	$336M	221775
Evermore Bank	Fort Lauderdale	$314M	5692473
First Colony Bank of Florida	Maitland	$307M	3688548
DLP Bank	Starke	$305M	853934
NatBank, N.A.	Hollywood	$292M	2233875
First Nat'l Bank of Pasco	Dade City	$286M	82033
BankMiami	Coral Gables	$279M	5906497
Community Bank of the South	Merritt Island	$252M	2860039
Lafayette State Bank	Mayo	$246M	535931
Gulf Atlantic Bank	Key West	$245M	5475452
Surety Bank	DeLand	$223M	374774
Cypress Bank & Trust	Melbourne	$221M	2873598
Madison County Community Bank	Madison	$210M	2805928
Gulf Coast Business Bank	Fort Myers	$192M	5724226
Commerce Bank & Trust	Winter Park	$179M	3148613
Warrington Bank, the	Pensacola	$172M	199137
Bank of Belle Glade	Belle Glade	$156M	302030
PNB Community Bank	Niceville	$155M	483537
Bank of Pensacola	Pensacola	$143M	581237
Peoples Bank of Graceville	Graceville	$118M	717232
Century Bank of Florida	Tampa	$104M	2939001
First Nat'l Bank of Wauchula	Wauchula	$88M	89135
Eastern Nat'l Bank	Miami	$74M	171133
Gala Bank	Ocala	$34M	5839915
Trust charters
Raymond James Trust, N.A.	Saint Petersburg	$82M	2163477
Members Trust Company	Tampa	$35M	3219269
Chilton Trust Company, N.A.	Palm Beach	$22M	4397164
Canandaigua Nat'l Trust Company of Florida	Sarasota	$6M	3952904

▶Largest banks 2026Q1

The largest banks in the country by total assets at 2026Q1, from $4.02T down to $19.2B. Opening one beside a Florida bank is the fastest way to see how differently the two are built. Four large charters that belong to companies rather than to bank holding companies — American Express, Synchrony, USAA and Sallie Mae — sit on the company-owned list below instead of here, so that list holds all of them together.

Bank	Location	Assets▼	RSSD
JPMorgan Chase Bank, N.A.	Columbus, OH	$4.02T	852218
Bank of America, N.A.	Charlotte, NC	$2.67T	480228
Citibank, N.A.	Sioux Falls, SD	$1.93T	476810
Wells Fargo Bank, N.A.	Sioux Falls, SD	$1.85T	451965
Goldman Sachs Bank USA	New York, NY	$751.8B	2182786
U.S. Bank N.A.	Cincinnati, OH	$683.4B	504713
Capital One, N.A.	Mc Lean, VA	$672.0B	112837
PNC Bank, N.A.	Wilmington, DE	$567.9B	817824
Truist Bank	Charlotte, NC	$541.2B	852320
Bank of New York Mellon	New York, NY	$467.3B	541101
Morgan Stanley Bank, N.A.	Salt Lake City, UT	$391.3B	1456501
State Street Bank and Trust Company	Boston, MA	$386.5B	35301
TD Bank, N.A.	Wilmington, DE	$345.6B	497404
Fifth Third Bank, N.A.	Cincinnati, OH	$296.1B	723112
Huntington Nat'l Bank	Columbus, OH	$284.1B	12311
BMO Bank N.A.	Chicago, IL	$252.0B	75633
Charles Schwab Bank, SSB	Westlake, TX	$242.9B	3150447
Morgan Stanley Private Bank, N.A.	Purchase, NY	$241.4B	2489805
First-citizens Bank & Trust Company	Raleigh, NC	$235.5B	491224
Citizens Bank, N.A.	Providence, RI	$227.1B	3303298
Manufacturers and Traders Trust Company	Buffalo, NY	$214.2B	501105
KeyBank N.A.	Cleveland, OH	$186.0B	280110
Ally Bank	Sandy, UT	$185.7B	3284070
Northern Trust Company	Chicago, IL	$173.8B	210434
HSBC Bank USA, N.A.	Tysons, VA	$167.7B	413208
Regions Bank	Birmingham, AL	$159.4B	233031
Pinnacle Bank	Nashville, TN	$122.6B	2925666
UBS Bank USA, N.A.	Salt Lake City, UT	$122.3B	3212149
Santander Bank, N.A.	Wilmington, DE	$106.1B	722777
City Nat'l Bank	Los Angeles, CA	$99.9B	63069
Western Alliance Bank	Phoenix, AZ	$98.8B	3138146
Zions Bancorporation, N.A.	Salt Lake City, UT	$88.0B	276579
Flagstar Bank, N.A.	Hicksville, NY	$87.1B	694904
Webster Bank, N.A.	Stamford, CT	$85.5B	761806
First Horizon Bank	Memphis, TN	$83.8B	485559
East West Bank	Pasadena, CA	$82.5B	197478
Old Nat'l Bank	Evansville, IN	$72.6B	208244
UMB Bank, N.A.	Kansas City, MO	$72.3B	936855
SouthState Bank, N.A.	Winter Haven, FL	$67.9B	1929247
Columbia Bank	Lake Oswego, OR	$66.0B	143662
CIBC Bank USA	Chicago, IL	$65.1B	1842065
Valley Nat'l Bank	Passaic, NJ	$64.4B	229801
Banco Popular de Puerto Rico	San Juan, PR	$60.6B	940311
BOKF, N.A.	Tulsa, OK	$53.5B	339858
Frost Bank	San Antonio, TX	$52.8B	682563
First Nat'l Bank of Pennsylvania	Greenville, PA	$50.4B	379920
SoFi Bank, N.A.	Cottonwood Heights, UT	$49.7B	962966
EverBank, N.A.	Jacksonville, FL	$47.2B	2735146
Barclays Bank Delaware	Wilmington, DE	$46.6B	2980209
Raymond James Bank	Saint Petersburg, FL	$45.7B	2193616
Associated Bank, N.A.	Green Bay, WI	$45.5B	917742
Prosperity Bank	El Campo, TX	$43.6B	664756
MidFirst Bank	Oklahoma City, OK	$42.1B	595270
Bank OZK	Little Rock, AR	$41.7B	107244
Deutsche Bank Trust Company Americas	New York, NY	$39.7B	214807
Atlantic Union Bank	Richmond, VA	$37.2B	693224
Commerce Bank	Kansas City, MO	$35.5B	601050
Hancock Whitney Bank	Gulfport, MS	$35.5B	463735
BankUnited, N.A.	Miami Lakes, FL	$35.3B	3938186
First Nat'l Bank of Omaha	Omaha, NE	$34.7B	527954
Banc of California	Los Angeles, CA	$34.6B	494261
United Bank	Fairfax, VA	$33.6B	365325
Texas Capital Bank	Dallas, TX	$33.2B	2618780
TD Bank USA, N.A.	Wilmington, DE	$32.7B	2121196
Fulton Bank, N.A.	Lancaster, PA	$32.1B	474919
Glacier Bank	Kalispell, MT	$31.7B	2634191
BNY Mellon, N.A.	Pittsburgh, PA	$30.9B	934329
Eastern Bank	Boston, MA	$30.6B	128904
FirstBank	Lakewood, CO	$29.4B	288853
City Nat'l Bank of Florida	Miami, FL	$28.6B	814430
Axos Bank	San Diego, CA	$28.2B	2917317
United Community Bank	Greenville, SC	$28.1B	1017939
Arvest Bank	Fayetteville, AR	$28.0B	311845
Ameris Bank	Atlanta, GA	$28.0B	764030
Wafd Bank	Seattle, WA	$27.6B	656377
Charles Schwab Premier Bank, SSB	Westlake, TX	$27.4B	1893049
Wesbanco Bank	Wheeling, WV	$27.4B	645625
Renasant Bank	Tupelo, MS	$27.1B	749242
First Interstate Bank	Billings, MT	$26.4B	659855
Customers Bank	Malvern, PA	$25.9B	2354985
Ameriprise Bank, FSB	Minneapolis, MN	$25.5B	3470239
Provident Bank	Jersey City, NJ	$25.2B	204004
Rockland Trust Company	Rockland, MA	$24.8B	613008
Simmons Bank	Pine Bluff, AR	$24.6B	663245
First Hawaiian Bank	Honolulu, HI	$24.3B	980661
Cathay Bank	Los Angeles, CA	$24.0B	595869
Bank of Hawaii	Honolulu, HI	$23.9B	795968
Tristate Capital Bank	Pittsburgh, PA	$23.2B	3475083
Centennial Bank	Conway, AR	$23.0B	456045
First Financial Bank	Cincinnati, OH	$22.7B	165628
TowneBank	Portsmouth, VA	$22.4B	2797724
Beacon Bank & Trust	Boston, MA	$22.2B	782306
Wilmington Savings Fund Society, FSB	Wilmington, DE	$22.0B	437914
Mechanics Bank	Walnut Creek, CA	$21.4B	936462
Seacoast Nat'l Bank	Stuart, FL	$21.1B	34537
First Merchants Bank	Muncie, IN	$21.0B	17147
Central Trust Bank	Jefferson City, MO	$20.5B	853952
Merchants Bank of Indiana	Carmel, IN	$20.3B	963945
Stifel Bank and Trust	Saint Louis, MO	$20.1B	3076248
Apple Bank	New York, NY	$19.2B	249612

One Florida charter makes this list: SouthState Bank of Winter Haven, at 42nd. Peer comparisons on these banks are against UBPR peer group 1, which holds only the largest banks — so a big bank shown near its peer median is being measured against other very large banks, not against the Florida list above.

▶Smallest banks 2026Q1

The smallest banks in the country still filing at 2026Q1, from $38.3M down to $3.5M. Trust charters are left out — they hold no deposits and make no loans, and without that filter most of this list would be them rather than banks.

Bank	Location	Assets▼	RSSD
Cottonwood Valley Bank	Cedar Point, KS	$38.3M	921655
Pee Dee Federal Savings Bank	Marion, SC	$38.2M	515979
Heritage Bank	Marion, IA	$38.2M	225942
Kingstree Federal Savings and Loan Association	Kingstree, SC	$38.1M	440978
First Nat'l Bank of Primghar, the	Primghar, IA	$37.9M	343248
Five Rivers Bank	Paramus, NJ	$37.9M	5882500
State Bank of Nauvoo	Nauvoo, IL	$37.8M	783349
Mutual Savings and Loan Association	Metairie, LA	$37.5M	809070
Western Nat'l Bank of Cass Lake	Cass Lake, MN	$37.4M	278751
GS&L Municipal Bank	Gouverneur, NY	$37.1M	5784921
State Bank of Canton	Canton, KS	$37.0M	858153
First Nat'l Bank at Saint James, the	Saint James, MN	$36.9M	794653
Corn Growers State Bank	Murdock, NE	$36.2M	177555
Farmers and Merchants State Bank, the	Scotland, SD	$36.1M	425050
First American Bank	Stonewall, OK	$36.1M	321255
Farmers State Bank	Pine Bluffs, WY	$35.5M	542854
First State Bank of Dongola, the	Dongola, IL	$35.3M	630041
Marion Nat'l Bank, the	Marion, KS	$34.9M	167752
First Nat'l Bank of Fairfax, the	Fairfax, MN	$34.9M	938354
Bank of Cattaraugus	Cattaraugus, NY	$34.9M	92902
First Nat'l Bank of Proctor, the	Proctor, MN	$34.5M	731957
First Summit Bank	Ryan, OK	$34.3M	514356
Solutions Plus Bank	Albertville, AL	$34.1M	5975224
Gala Bank	Ocala, FL	$34.1M	5839915
Citizens State Bank	Carleton, NE	$33.2M	235558
Marquette Farmers State Bank of Marquette Kansas	Marquette, KS	$32.9M	388258
First Progressive Bank	Brewton, AL	$32.7M	177135
Martinsville First Savings Bank	Martinsville, VA	$32.4M	104971
Brazos Nat'l Bank	Richwood, TX	$32.2M	863362
Bank of Vici	Vici, OK	$31.7M	286251
Hopeton State Bank, the	Hopeton, OK	$31.2M	877958
Jackson Savings Bank, SSB	Sylva, NC	$31.2M	360777
Vermont State Bank	Vermont, IL	$31.1M	187648
Lake Country Community Bank	Morristown, MN	$31.0M	706450
First Nat'l Bank of Fleming, the	Fleming, CO	$30.8M	306056
ITS Bank	Johnston, IA	$30.6M	2774707
First Nat'l Bank in Tigerton	Tigerton, WI	$30.6M	74449
First State Bank of St. Peter	Saint Peter, IL	$30.3M	426141
Dewey Bank	Dewey, IL	$30.3M	846132
Citizens Bank of Edinburg	Edinburg, IL	$30.2M	915935
Minnesota First Credit and Savings, Incorporated	Rochester, MN	$30.0M	821559
State Bank of Easton	Easton, MN	$29.5M	379050
American Trust & Savings Bank	Lowden, IA	$28.7M	675341
First Nat'l Bank of Frederick, the	Frederick, SD	$28.6M	288152
Saint Martin Nat'l Bank	Saint Martin, MN	$28.6M	856159
Liberty Savings Association, FSA, the	Fort Scott, KS	$28.3M	987576
Maxwell State Bank	Maxwell, IA	$28.1M	694146
Milford Building and Loan Association, SB	Milford, IL	$27.4M	994770
Home Savings Bank, FSB	Ludlow, KY	$27.2M	33370
First Federal Savings and Loan Association	Ravenswood, WV	$27.1M	441470
FundBank, N.A.	Austin, TX	$26.9M	6009630
First State Bank in Temple	Temple, OK	$26.7M	325459
First Nat'l Bank of Lipan, the	Lipan, TX	$26.7M	811457
Generations Community Bank	Indianapolis, IN	$26.1M	6058562
Andes State Bank	Lake Andes, SD	$25.6M	410159
Campus State Bank	Campus, IL	$25.5M	424437
Bank of Steinauer	Steinauer, NE	$25.4M	384353
Nebraska State Bank	Bristow, NE	$25.3M	70955
Farmers State Bank	Fairview, KS	$25.2M	652959
Boelus State Bank	Boelus, NE	$25.1M	472250
Baxter State Bank, the	Baxter Springs, KS	$25.0M	1000856
Citizens Nat'l Bank of Hammond, the	Hammond, NY	$25.0M	855303
Nebraska State Bank	Lynch, NE	$24.9M	514057
First Nat'l Bank of Assumption, the	Assumption, IL	$24.2M	604033
Peoples State Bank	Cherryvale, KS	$24.1M	741358
Hart County Bank and Trust Company	Munfordville, KY	$24.0M	456344
Bank of Lumber City	Lumber City, GA	$23.9M	959630
Peoples Bank of Macon	Macon, IL	$23.6M	418436
Mt. Victory State Bank	Mount Victory, OH	$23.5M	274025
First State Bank of Swanville	Swanville, MN	$23.4M	833851
First Nat'l Bank of Fletcher, the	Fletcher, OK	$23.0M	185251
First Federal Savings and Loan Association of Centerburg	Centerburg, OH	$23.0M	693073
Farmers State Bank of Medora	Medora, IL	$22.4M	295646
Farmers and Merchants Bank	Maysville, OK	$22.3M	836656
Chesterfield State Bank	Chesterfield, IL	$21.9M	767246
Columbia Savings and Loan Association	Milwaukee, WI	$21.2M	596277
Dickinson County Bank	Enterprise, KS	$21.2M	981350
Sainte Marie State Bank	Sainte Marie, IL	$20.7M	363442
Hertford Savings Bank, SSB	Hertford, NC	$20.4M	971379
Farmers and Merchants Bank	Duke, OK	$19.8M	273859
Farmers State Bank	Dwight, KS	$19.8M	976954
BHM Bank	Birmingham, AL	$17.7M	2877484
Huntingdon Savings Bank	Huntingdon, PA	$17.6M	646471
New Foundation Savings Bank	Cincinnati, OH	$17.5M	918776
Hartsburg State Bank	Hartsburg, IL	$17.2M	799939
Dysart State Bank	Dysart, IA	$17.1M	602842
Prescott State Bank	Prescott, KS	$16.9M	469250
Young Americans Bank	Denver, CO	$16.3M	67254
Cedar Hill Nat'l Bank	Charlotte, NC	$15.5M	2651899
Grand Rivers Community Bank	Grand Chain, IL	$15.1M	226949
Peoples State Bank	Blair, OK	$14.4M	991854
Independence Bank	East Greenwich, RI	$13.7M	3180136
Walton State Bank, the	Walton, KS	$12.5M	490955
Liberty Bank, INC.	Salt Lake City, UT	$12.4M	593771
State Bank of Burrton	Burrton, KS	$9.4M	21256
Equitable Savings and Loan Company, the	Cadiz, OH	$8.7M	910079
BMO Harris Central N.A.	Roselle, IL	$8.2M	3353154
Transact Bank, N.A.	Denver, CO	$6.9M	403254
DSRM Nat'l Bank	Albuquerque, NM	$4.4M	2502825
Emigrant Mercantile Bank	New York, NY	$3.5M	3268173

The whole list would fit inside a single branch of most banks on the 100-largest list. These are real banks with real depositors: open one and the profile page shows loans, deposits and a margin, just at a scale where one large loan moves every ratio. A handful of limited-purpose charters survive the trust filter — DSRM served a gas-station chain, Transact and BMO Harris Central are payment and internal charters — and they will not look like the rest.

▶Banks at the national median around $384M

Half the banks in the country are bigger than $384M and half are smaller. These are the 100 sitting closest to that line, 50 on each side, running from $399M down to $372M. This is what a typical American bank actually looks like — not the names on the stadium.

Bank	Location	Assets▼	RSSD
Central Bank of Kansas City	Kansas City, MO	$399M	751852
Fleetwood Bank	Fleetwood, PA	$399M	551016
Bank of St. Francisville	Saint Francisville, LA	$398M	364430
Bloomsdale Bank	Bloomsdale, MO	$397M	820842
Commercial Nat'l Bank of Brady, the	Brady, TX	$397M	42354
Mutual Savings Association	Leavenworth, KS	$397M	636276
Grant County Bank, the	Petersburg, WV	$397M	718538
Liberty Bank N.A.	Irvine, CA	$396M	2907439
Volunteer Federal Savings Bank	Madisonville, TN	$396M	170275
Grant County State Bank	Swayzee, IN	$396M	933340
San Luis Valley Federal Bank	Alamosa, CO	$396M	945071
Citizens Bank of the South	Sandersville, GA	$395M	367431
First State Bank Southwest	Pipestone, MN	$395M	823656
First Secure Bank and Trust CO.	Palos Hills, IL	$395M	25647
Exchange Bank of Alabama, the	Altoona, AL	$395M	672537
Security State Bank of Oklahoma	Wewoka, OK	$395M	52951
Lakeside Bank	Rockwall, TX	$395M	32766
First Trust Bank of Illinois	Kankakee, IL	$394M	2718596
Libertyville Savings Bank	Fairfield, IA	$394M	857745
Peoples Community Bank, the	Mazomanie, WI	$394M	420644
North Star Bank	Roseville, MN	$394M	750051
Homebank Texas	Seagoville, TX	$394M	522669
Infinity Bank	Santa Ana, CA	$393M	5193989
Mint Nat'l Bank, the	Kingwood, TX	$393M	3821626
First Nat'l Bank of Clarksdale	Clarksdale, MS	$393M	11640
Esb Financial	Emporia, KS	$393M	918954
Lamar Nat'l Bank	Paris, TX	$393M	2161
Owen County State Bank	Spencer, IN	$392M	38740
Shelby State Bank, the	Shelby, MI	$392M	961343
TCM Bank, N.A.	Tampa, FL	$391M	2687487
Community State Bank, the	Poteau, OK	$390M	706254
First State Bank	Lynnville, IA	$390M	677448
Central Bank	Tampa, FL	$390M	3468450
Iowa State Bank	Clarksville, IA	$390M	865142
Rsnb Bank	Rock Springs, WY	$389M	550952
Anchor D Bank	Texhoma, OK	$389M	327556
Farmers State Bank of Oakley, Kansas, the	Oakley, KS	$389M	278256
Farmers State Bank	Center, TX	$389M	875057
5star Bank	Colorado Springs, CO	$389M	455253
Ascendia Bank	Glen Rock, NJ	$388M	147679
Pine Country Bank	Little Falls, MN	$388M	761459
Greenway Bank	Van Wert, OH	$388M	380878
Guaranty State Bank and Trust Company	Beloit, KS	$386M	1009756
Pinnacle Bank	Jasper, AL	$386M	288376
First State Bank	Stratford, TX	$386M	410560
Tower Community Bank	Jasper, TN	$385M	989730
First Exchange Bank	White Hall, WV	$385M	170332
Georgia Community Bank	Albany, GA	$385M	2823221
Native American Bank, N.A.	Denver, CO	$384M	664653
Lincoln Federal Savings Bank of Nebraska	Lincoln, NE	$384M	529275
Bankgloucester	Gloucester, MA	$384M	331375
Fahey Banking Company, the	Marion, OH	$384M	520423
First Westroads Bank, INC.	Omaha, NE	$384M	222754
United Roosevelt Savings Bank	Carteret, NJ	$384M	644776
Fox Valley Savings Bank	Fond Du Lac, WI	$384M	835770
First Nat'l Bank and Trust Company	Clinton, IL	$384M	32234
Commercial Bank	Parsons, KS	$384M	296559
Farmers State Bank	Cameron, MO	$384M	757452
Mccurtain County Nat'l Bank	Broken Bow, OK	$383M	423159
Home Loan Savings Bank, the	Coshocton, OH	$383M	468673
Earlham Savings Bank	West Des Moines, IA	$383M	645540
Trusttexas Bank, S.S.B.	Cuero, TX	$383M	539872
First Farmbank	Greeley, CO	$383M	3411773
Founders Bank	Washington, DC	$382M	5398355
Yoakum Bank	Yoakum, TX	$382M	311265
Harbor Bank of Maryland, the	Baltimore, MD	$382M	533124
Citizens Bank & Trust Company	Campbellsville, KY	$381M	829041
Piscataqua Savings Bank	Portsmouth, NH	$381M	591209
Crossroads Bank	Yoakum, TX	$381M	564463
Union Bank	Grand Rapids, MI	$381M	390840
New Valley Bank & Trust	Springfield, MA	$381M	5316920
Riddell Nat'l Bank, the	Brazil, IN	$381M	319047
Bank of Glen Burnie, the	Glen Burnie, MD	$380M	628123
First Citizens Nat'l Bank of Upper Sandusky, the	Upper Sandusky, OH	$380M	230423
Citizens Nat'l Bank of Park Rapids, the	Park Rapids, MN	$380M	877752
American Continental Bank	City of Industry, CA	$379M	3216316
Cattaraugus County Bank	Little Valley, NY	$379M	254504
Sentry Bank	Saint Joseph, MN	$379M	746157
Security Federal Savings Bank of Mcminnville	Mcminnville, TN	$379M	631178
Garrett State Bank, the	Garrett, IN	$378M	465243
Great Plains State Bank	Petersburg, NE	$378M	733559
Wolf River Community Bank	Hortonville, WI	$378M	2505424
City Bank & Trust CO.	Natchitoches, LA	$378M	841753
First Federal Savings & Loan Association of Pascagoula-moss Point	Pascagoula, MS	$378M	90177
First Nat'l Bank of Griffin	Griffin, GA	$377M	563233
Bank of O'fallon	O'fallon, IL	$377M	410748
Pony Express Bank	Braymer, MO	$377M	953843
American Community Bank of Indiana	Saint John, IN	$377M	1010574
Gilmer Nat'l Bank	Gilmer, TX	$376M	323651
Lakeside Bank	Lake Charles, LA	$376M	4165907
Sandhills State Bank	North Platte, NE	$375M	987259
Grundy Bank	Morris, IL	$375M	715144
Bank of Commerce & Trust Company	Crowley, LA	$375M	476539
Varo Bank, N.A.	Draper, UT	$374M	5518023
West Pointe Bank	Oshkosh, WI	$374M	2371816
Universal Bank	West Covina, CA	$373M	208570
First Nat'l Bank of Gordon, the	Gordon, NE	$373M	3252
First Nat'l Bank	Hamilton, AL	$373M	330239
Commercial Bank & Trust Company	Monticello, AR	$373M	23643
Peoples Bank of Kankakee County	Bourbonnais, IL	$372M	821036

Of 4,239 banks filing at 2026Q1, these 100 span a range of about $372M to $399M. That is roughly two percent of all banks packed into a seven percent band of asset size, which is worth sitting with: the industry has a few very large banks and a very large number of ordinary ones. Compare any of these against a bank from the 100-largest list using the Hold pane.

▶Company-owned banks 24 · 2026Q1

Banks owned by companies that are not banks: BMW, Toyota, Harley-Davidson, John Deere, Pitney Bowes, UnitedHealth, USAA. Most were chartered to finance the parent's own product — BMW Bank exists to lend money for BMWs. They take deposits and make loans like any other bank, but they have no branches and no walk-in customers, and it shows in what they earn and what they pay.

Bank	Location	Assets▼	RSSD
American Express Nat'l Bank	Sandy, UT	$217.6B	1394676
Synchrony Bank	Draper, UT	$114.9B	1216022
USAA Federal Savings Bank	Phoenix, AZ	$109.7B	619877
Sallie Mae Bank	Salt Lake City, UT	$29.5B	3394278
Optum Bank	Draper, UT	$21.0B	3202702
Toyota Financial Savings Bank	Henderson, NV	$16.1B	3287660
Comenity Capital Bank	Draper, UT	$13.3B	3224580
BMW Bank of North America	Salt Lake City, UT	$13.0B	2850722
WEX Bank	Sandy, UT	$9.5B	2700984
Merrick Bank	South Jordan, UT	$8.9B	2615190
Comenity Bank	Wilmington, DE	$7.8B	1391778
Green Dot Bank	Provo, UT	$5.9B	243375
Celtic Bank Corporation	Salt Lake City, UT	$5.0B	2998576
John Deere Financial, F.S.B.	Middleton, WI	$4.1B	2992547
Medallion Bank	Salt Lake City, UT	$2.7B	3228908
WebBank	Salt Lake City, UT	$2.6B	2576134
Nelnet Bank	Draper, UT	$2.5B	5514409
Credit One Bank, N.A.	Las Vegas, NV	$2.2B	639567
Square Financial Services	Salt Lake City, UT	$1.8B	5582846
Transportation Alliance Bank	Ogden, UT	$1.6B	2736219
FinWise Bank	Murray, UT	$890M	2880019
Pitney Bowes Bank	Salt Lake City, UT	$833M	2649177
Eaglemark Savings Bank	Reno, NV	$720M	2605566
First Electronic Bank	Salt Lake City, UT	$429M	2947556

Two worth opening side by side: Toyota Financial earns 4.83% on what it holds and keeps a margin of 0.98, while Pitney Bowes earns 8.47% and keeps 7.81. The difference is not lending — it is funding. Nobody has a checking account at Toyota, so it borrows its money at 3.85%; Pitney Bowes pays 0.67%. Square Financial, the Cash App charter, is the outlier at the top: its 39% yield is short-term advances to merchants, not a rate any bank charges a household.

▶Failed banks 488 · 2008–2026

Banks that were closed by their regulator and handed to the FDIC. Tapping one opens its last five filed quarters — the final Call Report before the doors closed, and the four before it. Assets are what the bank reported in that last quarter, not what the FDIC found afterward.

Bank	Location	Assets	Failed▼
Tioga-Franklin Savings Bank	Philadelphia, PA	$69M	2026
Small Business Bank	Lenexa, KS	$73M	2026
Kentland Federal Savings and Loan Association	Kentland, IN	$4M	2026
Metropolitan Capital Bank & Trust	Chicago, IL	$235M	2026
The Santa Anna Nat'l Bank	Santa Anna, TX	$77M	2025
Pulaski Savings Bank	Chicago, IL	$49M	2025
Republic First Bank	Philadelphia, PA	$5.9B	2024
The First Nat'l Bank of Lindsay	Lindsay, OK	$114M	2024
First Republic Bank	San Francisco, CA	$232.9B	2023
Silicon Valley Bank	Santa Clara, CA	$209.0B	2023
Signature Bank	New York, NY	$110.4B	2023
Heartland Tri-State Bank	Elkhart, KS	$139M	2023
Citizens Bank	Sac City, IA	$66M	2023
First State Bank	Barboursville, WV	$152M	2020
First City Bank of Florida	Fort Walton Beach, FL	$137M	2020
Ericson State Bank	Ericson, NE	$101M	2020
Almena State Bank	Almena, KS	$66M	2020
City Nat'l Bank of New Jersey	Newark, NJ	$121M	2019
The Enloe State Bank	Cooper, TX	$37M	2019
Louisa Community Bank	Louisa, KY	$28M	2019
Resolute Bank	Maumee, OH	$23M	2019
First NBC Bank	New Orleans, LA	$3.3B	2017
Guaranty Bank	Milwaukee, WI	$1.0B	2017
Seaway Bank and Trust Company	Chicago, IL	$298M	2017
Washington Federal Bank for Savings	Chicago, IL	$166M	2017
Harvest Community Bank	Pennsville, NJ	$124M	2017
Proficio Bank	Cottonwood Heights, UT	$68M	2017
Fayette County Bank	St. Elmo, IL	$34M	2017
The Farmers and Merchants State Bank of Argonia	Argonia, KS	$33M	2017
First CornerStone Bank	King of Prussia, PA	$103M	2016
North Milwaukee State Bank	Milwaukee, WI	$67M	2016
Allied Bank	Mulberry, AR	$66M	2016
The Woodbury Banking Company	Woodbury, GA	$21M	2016
Trust Company Bank	Memphis, TN	$19M	2016
Doral Bank	San Juan, PR	$5.9B	2015
The Bank of Georgia	Peachtree City, GA	$286M	2015
Capitol City Bank and Trust	Atlanta, GA	$272M	2015
Edgebrook Bank	Chicago, IL	$90M	2015
First Nat'l Bank of Crestview	Crestview, FL	$74M	2015
Highland Community Bank	Chicago, IL	$55M	2015
Premier Bank	Denver, CO	$27M	2015
Hometown Nat'l Bank	Longview, WA	$4M	2015
The Nat'l Republic Bank of Chicago	Chicago, IL	$843M	2014
Valley Bank	Moline, IL	$456M	2014
The Bank of Union	El Reno, OK	$317M	2014
Eastside Commercial Bank	Conyers, GA	$174M	2014
NBRS Financial	Rising Sun, MD	$155M	2014
Syringa Bank	Boise, ID	$153M	2014
Slavie Federal Savings Bank	Bel Air, MD	$140M	2014
Millennium Bank, N.A.	Sterling, VA	$130M	2014
Valley Bank	Fort Lauderdale, FL	$82M	2014
Frontier Bank, FSB	Palm Desert, CA	$81M	2014
GreenChoice Bank, fsb	Chicago, IL	$70M	2014
AztecAmerica Bank	Berwyn, IL	$66M	2014
Vantage Point Bank	Horsham, PA	$63M	2014
Dupage Nat'l Bank	West Chicago, IL	$54M	2014
Allendale County Bank	Fairfax, SC	$51M	2014
Columbia Savings Bank	Cincinnati, OH	$36M	2014
The Freedom State Bank	Freedom, OK	$23M	2014
Northern Star Bank	Mankato, MN	$19M	2014
First Nat'l Bank	Edinburg, TX	$3.1B	2013
Mountain Nat'l Bank	Sevierville, TN	$437M	2013
Community South Bank	Parsons, TN	$387M	2013
Douglas County Bank	Douglasville, GA	$317M	2013
Frontier Bank	LaGrange, GA	$259M	2013
Sunrise Bank of Arizona	Phoenix, AZ	$202M	2013
Texas Community Bank, N.A.	The Woodlands, TX	$159M	2013
Banks of Wisconsin	Kenosha, WI	$134M	2013
Parkway Bank	Lenoir, NC	$110M	2013
Heritage Bank of North Florida	Orange Park, FL	$104M	2013
First Federal Bank	Lexington, KY	$93M	2013
Westside Community Bank	University Place, WA	$92M	2013
Sunrise Bank	Valdosta, GA	$61M	2013
Covenant Bank	Chicago, IL	$58M	2013
1st Regents Bank	Andover, MN	$50M	2013
Bank of Wausau	Wausau, WI	$44M	2013
Gold Canyon Bank	Gold Canyon, AZ	$42M	2013
Chipola Community Bank	Marianna, FL	$37M	2013
Central Arizona Bank	Scottsdale, AZ	$32M	2013
The Community's Bank	Bridgeport, CT	$26M	2013
Bank of Jackson County	Graceville, FL	$25M	2013
Pisgah Community Bank	Asheville, NC	$22M	2013
1st Commerce Bank	North Las Vegas, NV	$20M	2013
Tennessee Commerce Bank	Franklin, TN	$1.0B	2012
Citizens First Nat'l Bank	Princeton, IL	$924M	2012
Fidelity Bank	Dearborn, MI	$818M	2012
Waccamaw Bank	Whiteville, NC	$533M	2012
The First State Bank	Stockbridge, GA	$517M	2012
Inter Savings Bank, FSB	Maple Grove, MN	$464M	2012
NOVA Bank	Berwyn, PA	$445M	2012
Plantation Federal Bank	Pawleys Island, SC	$434M	2012
First Guaranty Bank and Trust Company of Jacksonville	Jacksonville, FL	$397M	2012
First United Bank	Crete, IL	$328M	2012
Truman Bank	St. Louis, MO	$282M	2012
Central Bank of Georgia	Ellaville, GA	$279M	2012
Premier Bank	Wilmette, IL	$269M	2012
BankEast	Knoxville, TN	$262M	2012
Heritage Bank of Florida	Lutz, FL	$225M	2012
First Cherokee State Bank	Woodstock, GA	$209M	2012
Jasper Banking Company	Jasper, GA	$207M	2012
Second Federal Savings and Loan Association of Chicago	Chicago, IL	$191M	2012
Excel Bank	Sedalia, MO	$186M	2012
Putnam State Bank	Palatka, FL	$169M	2012
The Farmers Bank of Lynchburg	Lynchburg, TN	$164M	2012
HarVest Bank of Maryland	Gaithersburg, MD	$163M	2012
Bank of the Eastern Shore	Cambridge, MD	$162M	2012
Montgomery Bank and Trust	Ailey, GA	$153M	2012
Security Exchange Bank	Marietta, GA	$151M	2012
Global Commerce Bank	Doraville, GA	$144M	2012
GulfSouth Private Bank	Destin, FL	$139M	2012
Palm Desert Nat'l Bank	Palm Desert, CA	$129M	2012
Hometown Community Bank	Braselton, GA	$125M	2012
Georgia Trust Bank	Buford, GA	$117M	2012
Patriot Bank Minnesota	Forest Lake, MN	$105M	2012
Security Bank, N.A.	North Lauderdale, FL	$101M	2012
Heartland Bank	Leawood, KS	$96M	2012
Covenant Bank & Trust	Rock Spring, GA	$96M	2012
Charter Nat'l Bank and Trust	Hoffman Estates, IL	$94M	2012
Waukegan Savings Bank	Waukegan, IL	$84M	2012
Royal Palm Bank of Florida	Naples, FL	$79M	2012
Central Florida State Bank	Belleview, FL	$71M	2012
New City Bank	Chicago, IL	$71M	2012
First East Side Savings Bank	Tamarac, FL	$66M	2012
Carolina Federal Savings Bank	Charleston, SC	$54M	2012
Alabama Trust Bank, N.A.	Sylacauga, AL	$52M	2012
Fort Lee Federal Savings Bank, FSB	Fort Lee, NJ	$49M	2012
First Capital Bank	Kingfisher, OK	$44M	2012
Farmers and Traders State Bank	Shabbona, IL	$43M	2012
Community Bank of the Ozarks	Sunrise Beach, MO	$43M	2012
Glasgow Savings Bank	Glasgow, MO	$22M	2012
First Community Bank	Taos, NM	$2.2B	2011
Integra Bank, N.A.	Evansville, IN	$2.0B	2011
Community Banks of Colorado	Greenwood Village, CO	$1.3B	2011
Bank of the Commonwealth	Norfolk, VA	$985M	2011
Bank of Choice	Greeley, CO	$954M	2011
First Chicago Bank & Trust	Chicago, IL	$897M	2011
Park Avenue Bank	Valdosta, GA	$849M	2011
FirsTier Bank	Louisville, CO	$764M	2011
Nexity Bank	Birmingham, AL	$758M	2011
Atlantic Southern Bank	Macon, GA	$742M	2011
First Georgia Banking Company	Franklin, GA	$731M	2011
Colorado Capital Bank	Castle Rock, CO	$666M	2011
First Commercial Bank of Florida	Orlando, FL	$579M	2011
Bank of Whitman	Colfax, WA	$549M	2011
The First Nat'l Bank of Olathe	Olathe, KS	$538M	2011
Community Central Bank	Mount Clemens, MI	$452M	2011
The RiverBank	Wyoming, MN	$420M	2011
Peoples State Bank	Hamtramck, MI	$391M	2011
Habersham Bank	Clarkesville, GA	$388M	2011
Central Progressive Bank	Lacombe, LA	$383M	2011
Sun Security Bank	Ellington, MO	$351M	2011
First Nat'l Bank of Central Florida	Winter Park, FL	$342M	2011
CommunitySouth Bank and Trust	Easley, SC	$341M	2011
McIntosh State Bank	Jackson, GA	$340M	2011
Bartow County Bank	Cartersville, GA	$314M	2011
First Nat'l Bank of Florida	Milton, FL	$297M	2011
First Choice Community Bank	Dallas, GA	$291M	2011
Citizens Bank of Northern California	Nevada City, CA	$289M	2011
LandMark Bank of Florida	Sarasota, FL	$266M	2011
Evergreen State Bank	Stoughton, WI	$241M	2011
First International Bank	Plano, TX	$240M	2011
American Trust Bank	Roswell, GA	$238M	2011
BankMeridian, N.A.	Columbia, SC	$233M	2011
Heritage Banking Group	Carthage, MS	$228M	2011
First Peoples Bank	Port St. Lucie, FL	$225M	2011
Citizens Bank of Effingham	Springfield, GA	$214M	2011
Oglethorpe Bank	Brunswick, GA	$211M	2011
Canyon Nat'l Bank	Palm Springs, CA	$211M	2011
Old Harbor Bank	Clearwater, FL	$209M	2011
Bank of Asheville	Asheville, NC	$205M	2011
Piedmont Community Bank	Gray, GA	$199M	2011
SunFirst Bank	Saint George, UT	$198M	2011
Country Bank	Aledo, IL	$195M	2011
First State Bank	Cranford, NJ	$192M	2011
Legacy Bank	Milwaukee, WI	$190M	2011
Western Springs Nat'l Bank and Trust	Western Springs, IL	$187M	2011
Decatur First Bank	Decatur, GA	$185M	2011
High Trust Bank	Stockbridge, GA	$180M	2011
One Georgia Bank	Atlanta, GA	$178M	2011
First Heritage Bank	Snohomish, WA	$173M	2011
Community Capital Bank	Jonesboro, GA	$165M	2011
First Southern Nat'l Bank	Statesboro, GA	$165M	2011
Bank of Commerce	Wood Dale, IL	$163M	2011
Western Nat'l Bank	Phoenix, AZ	$163M	2011
Blue Ridge Savings Bank	Asheville, NC	$161M	2011
North Georgia Bank	Watkinsville, GA	$153M	2011
Patriot Bank of Georgia	Cumming, GA	$151M	2011
Summit Bank	Burlington, WA	$143M	2011
First Choice Bank	Geneva, IL	$141M	2011
Legacy Bank	Scottsdale, AZ	$136M	2011
Nevada Commerce Bank	Las Vegas, NV	$135M	2011
Premier Community Bank of the Emerald Coast	Crestview, FL	$126M	2011
Sunshine State Community Bank	Port Orange, FL	$126M	2011
Valley Community Bank	St. Charles, IL	$124M	2011
Charter Oak Bank	Napa, CA	$121M	2011
Bank of Shorewood	Shorewood, IL	$111M	2011
Mid City Bank, Inc.	Omaha, NE	$106M	2011
Mountain Heritage Bank	Clayton, GA	$104M	2011
New Horizons Bank	East Ellijay, GA	$103M	2011
CreekSide Bank	Woodstock, GA	$102M	2011
Enterprise Banking Company	McDonough, GA	$99M	2011
First Commercial Bank of Tampa Bay	Tampa, FL	$99M	2011
Polk County Bank	Johnston, IA	$92M	2011
First Nat'l Bank of Davis	Davis, OK	$90M	2011
Badger State Bank	Cassville, WI	$84M	2011
Virginia Business Bank	Richmond, VA	$83M	2011
Summit Bank	Prescott, AZ	$73M	2011
Cortez Community Bank	Brooksville, FL	$66M	2011
Signature Bank	Windsor, CO	$63M	2011
Community Bank of Rockmart	Rockmart, GA	$62M	2011
Community First Bank	Chicago, IL	$51M	2011
Public Savings Bank	Huntingdon Valley, PA	$47M	2011
First State Bank	Camargo, OK	$45M	2011
Southshore Community Bank	Apollo Beach, FL	$41M	2011
All American Bank	Des Plaines, IL	$35M	2011
Rosemount Nat'l Bank	Rosemount, MN	$21M	2011
Westernbank Puerto Rico	Mayaguez, PR	$10.8B	2010
R-G Premier Bank of Puerto Rico	Hato Rey, PR	$5.7B	2010
Riverside Nat'l Bank of Florida	Fort Pierce, FL	$3.4B	2010
Frontier Bank	Everett, WA	$3.3B	2010
Midwest Bank and Trust Company	Elmwood Park, IL	$3.2B	2010
Amcore Bank	Rockford, IL	$3.1B	2010
Eurobank	San Juan, PR	$2.5B	2010
ShoreBank	Chicago, IL	$2.2B	2010
First Regional Bank	Los Angeles, CA	$2.1B	2010
CF Bancorp	Port Huron, MI	$1.6B	2010
Hillcrest Bank	Overland Park, KS	$1.6B	2010
Advanta Bank Corp	Draper, UT	$1.5B	2010
Horizon Bank	Bellingham, WA	$1.2B	2010
Community Bank and Trust	Cornelia, GA	$1.2B	2010
Broadway Bank	Chicago, IL	$1.1B	2010
Appalachian Community Bank	Ellijay, GA	$1.0B	2010
Premier Bank	Jefferson City, MO	$989M	2010
City Bank	Lynnwood, WA	$982M	2010
Crescent Bank and Trust Co	Jasper, GA	$970M	2010
Columbia River Bank	The Dalles, OR	$955M	2010
First Nat'l Bank of Georgia	Carrollton, GA	$841M	2010
Florida Community Bank	Immokalee, FL	$836M	2010
First Banking Center	Burlington, WI	$751M	2010
Rainier Pacific Bank	Tacoma, WA	$718M	2010
LibertyBank	Eugene, OR	$715M	2010
Barnes Banking Company	Kaysville, UT	$709M	2010
Darby Bank & Trust	Vidalia, GA	$655M	2010
Bank of Florida-Southwest	Naples, FL	$641M	2010
Peninsula Bank	Englewood, FL	$630M	2010
First Nat'l Bank of the South	Spartanburg, SC	$619M	2010
Tamalpais Bank	San Rafael, CA	$612M	2010
Bank of Florida-Southeast	Fort Lauderdale, FL	$595M	2010
Beach First Nat'l Bank	Myrtle Beach, SC	$590M	2010
Home Nat'l Bank	Blackwell, OK	$585M	2010
K Bank	Randallstown, MD	$538M	2010
Sun American Bank	Boca Raton, FL	$536M	2010
Washington First International Bank	Seattle, WA	$521M	2010
The Park Avenue Bank	New York, NY	$520M	2010
Butte Community Bank	Chico, CA	$499M	2010
Desert Hills Bank	Phoenix, AZ	$497M	2010
Palos Bank and Trust	Palos Heights, IL	$493M	2010
Nevada Security Bank	Reno, NV	$492M	2010
The Cowlitz Bank	Longview, WA	$489M	2010
The Bank of Miami, N.A.	Coral Gables, FL	$448M	2010
New Century Bank	Chicago, IL	$447M	2010
Peoples Bank	Winder, GA	$447M	2010
Wheatland Bank	Naperville, IL	$442M	2010
George Washington Savings Bank	Orland Park, IL	$414M	2010
Wakulla Bank	Crawfordville, FL	$402M	2010
Bank of Hiawassee	Hiawassee, GA	$378M	2010
Coastal Community Bank	Panama City, FL	$377M	2010
McIntosh Commercial Bank	Carrollton, GA	$363M	2010
Sun West Bank	Las Vegas, NV	$361M	2010
Sterling Bank	Lantana, FL	$355M	2010
Sonoma Valley Bank	Sonoma, CA	$337M	2010
Old Southern Bank	Orlando, FL	$336M	2010
1st Pacific Bank of California	San Diego, CA	$336M	2010
American Marine Bank	Bainbridge Island, WA	$329M	2010
Pacific State Bank	Stockton, CA	$312M	2010
Unity Nat'l Bank	Cartersville, GA	$301M	2010
Premier American Bank	Miami, FL	$299M	2010
North County Bank	Arlington, WA	$289M	2010
Innovative Bank	Oakland, CA	$267M	2010
Ravenswood Bank	Chicago, IL	$265M	2010
Paramount Bank	Farmington Hills, MI	$253M	2010
First Nat'l Bank	Savannah, GA	$253M	2010
Home Valley Bank	Cave Junction, OR	$250M	2010
First Commerce Community Bank	Douglasville, GA	$248M	2010
Butler Bank	Lowell, MA	$246M	2010
Chestatee State Bank	Dawsonville, GA	$244M	2010
Statewide Bank	Covington, LA	$243M	2010
The Bank of Bonifay	Bonifay, FL	$243M	2010
United Americas Bank	Atlanta, GA	$242M	2010
Bank of Florida-Tampa Bay	Tampa, FL	$241M	2010
Pierce Commercial Bank	Tacoma, WA	$221M	2010
Bay Nat'l Bank	Baltimore, MD	$218M	2010
LibertyPointe Bank	New York, NY	$216M	2010
Centennial Bank	Ogden, UT	$213M	2010
Bank of Illinois	Normal, IL	$212M	2010
Copper Star Bank	Scottsdale, AZ	$204M	2010
SouthwestUSA Bank	Las Vegas, NV	$204M	2010
Champion Bank	Creve Coeur, MO	$196M	2010
Lincoln Park Saving Bank	Chicago, IL	$195M	2010
First Southern Bank	Batesville, AR	$192M	2010
USA Bank	Port Chester, NY	$191M	2010
Horizon Bank	Bradenton, FL	$188M	2010
Bank of Ellijay	Ellijay, GA	$169M	2010
NorthWest Bank and Trust	Acworth, GA	$161M	2010
Independent Nat'l Bank	Ocala, FL	$156M	2010
Haven Trust Bank Florida	Ponte Vedra Beach, FL	$149M	2010
Tifton Banking Company	Tifton, GA	$144M	2010
First Suburban Nat'l Bank	Maywood, IL	$143M	2010
First Lowndes Bank	Luverne, AL	$137M	2010
Satilla Community Bank	St. Marys, GA	$136M	2010
Williamsburg First Nat'l Bank	Kingstree, SC	$130M	2010
Peotone Bank and Trust Company	Peotone, IL	$130M	2010
First Nat'l Bank of Barnesville	Barnesville, GA	$127M	2010
Towne Bank of Arizona	Mesa, AZ	$120M	2010
Marco Community Bank	Marco Island, FL	$120M	2010
Earthstar Bank	Southampton, PA	$113M	2010
Gulf State Community Bank	Carrabelle, FL	$112M	2010
New Liberty Bank	Plymouth, MI	$111M	2010
Allegiance Bank of North America	Bala Cynwyd, PA	$107M	2010
AmericanFirst Bank	Clermont, FL	$104M	2010
Granite Community Bank	Granite Bay, CA	$103M	2010
Southwest Community Bank	Springfield, MO	$101M	2010
Community Security Bank	New Prague, MN	$101M	2010
Western Commercial Bank	Woodland Hills, CA	$99M	2010
Century Security Bank	Duluth, GA	$97M	2010
Progress Bank of Florida	Tampa, FL	$95M	2010
Shoreline Bank	Shoreline, WA	$93M	2010
WestBridge Bank and Trust Company	Chesterfield, MO	$88M	2010
ISN Bank	Cherry Hill, NJ	$82M	2010
High Desert State Bank	Albuquerque, NM	$80M	2010
First Bank of Jacksonville	Jacksonville, FL	$74M	2010
Citizens Bank and Trust Company of Chicago	Chicago, IL	$73M	2010
Town Community Bank & Trust	Antioch, IL	$71M	2010
American Nat'l Bank	Parma, OH	$70M	2010
Community Nat'l Bank at Bartow	Bartow, FL	$68M	2010
Pinehurst Bank	St. Paul, MN	$61M	2010
First Nat'l Bank	Rosedale, MS	$60M	2010
Marshall Bank, N.A.	Hallock, MN	$59M	2010
The La Coste Nat'l Bank	La Coste, TX	$54M	2010
BC Nat'l Banks	Butler, MO	$52M	2010
Carson River Community Bank	Carson City, NV	$51M	2010
Lakeside Community Bank	Sterling Heights, MI	$49M	2010
First Vietnamese American Bank	Westminster, CA	$48M	2010
Bramble Savings Bank	Milford, OH	$48M	2010
Access Bank	Champlin, MN	$32M	2010
Community Nat'l Bank	Lino Lakes, MN	$32M	2010
Gordon Bank	Gordon, GA	$29M	2010
Thunder Bank	Sylvan Grove, KS	$28M	2010
State Bank of Aurora	Aurora, MN	$28M	2010
St. Stephen State Bank	St. Stephen, MN	$23M	2010
Bank of Leeton	Leeton, MO	$20M	2010
1st American State Bank of Minnesota	Hancock, MN	$18M	2010
Arcola Homestead Savings Bank	Arcola, IL	$17M	2010
Colonial Bank	Montgomery, AL	$25.5B	2009
United Commercial Bank	San Francisco, CA	$10.9B	2009
California Nat'l Bank	Los Angeles, CA	$7.8B	2009
Corus Bank	Chicago, IL	$7.0B	2009
Park Nat'l Bank	Chicago, IL	$4.7B	2009
Silverton Bank, N.A.	Atlanta, GA	$4.2B	2009
Imperial Capital Bank	La Jolla, CA	$4.0B	2009
San Diego Nat'l Bank	San Diego, CA	$3.6B	2009
Irwin Union Bank and Trust Company	Columbus, IN	$2.8B	2009
Orion Bank	Naples, FL	$2.6B	2009
Pacific Nat'l Bank	San Francisco, CA	$2.3B	2009
Georgian Bank	Atlanta, GA	$2.2B	2009
New Frontier Bank	Greeley, CO	$1.8B	2009
County Bank	Merced, CA	$1.7B	2009
Vineyard Bank	Rancho Cucamonga, CA	$1.6B	2009
Mutual Bank	Harvey, IL	$1.6B	2009
Community Bank of Nevada	Las Vegas, NV	$1.4B	2009
Temecula Valley Bank	Temecula, CA	$1.4B	2009
First Bank of Beverly Hills	Calabasas, CA	$1.3B	2009
Affinity Bank	Ventura, CA	$1.2B	2009
Alliance Bank	Culver City, CA	$1.1B	2009
Omni Nat'l Bank	Atlanta, GA	$980M	2009
Venture Bank	Lacey, WA	$968M	2009
Cooperative Bank	Wilmington, NC	$967M	2009
Security Bank of Bibb County	Macon, GA	$944M	2009
Founders Bank	Worth, IL	$889M	2009
The Buckhead Community Bank	Atlanta, GA	$856M	2009
1st Centennial Bank	Redlands, CA	$798M	2009
San Joaquin Bank	Bakersfield, CA	$766M	2009
TeamBank, N.A.	Paola, KS	$670M	2009
CapitalSouth Bank	Birmingham, AL	$587M	2009
Independent Bankers' Bank	Springfield, IL	$586M	2009
Strategic Capital Bank	Champaign, IL	$547M	2009
Riverside Bank of the Gulf Coast	Cape Coral, FL	$524M	2009
SolutionsBank	Overland Park, KS	$511M	2009
Warren Bank	Warren, MI	$505M	2009
Cape Fear Bank	Wilmington, NC	$492M	2009
Mirae Bank	Los Angeles, CA	$481M	2009
Mainstreet Bank	Forest Lake, MN	$459M	2009
First State Bank	Sarasota, FL	$448M	2009
Bank of Clark County	Vancouver, WA	$441M	2009
Citizens Nat'l Bank	Macomb, IL	$439M	2009
Republic Federal Bank, N.A.	Miami, FL	$433M	2009
Security Bank of Jones County	Gray, GA	$433M	2009
Nat'l Bank of Commerce	Berkeley, IL	$420M	2009
Southern Community Bank	Fayetteville, GA	$372M	2009
Security Bank of Houston County	Perry, GA	$372M	2009
Westsound Bank	Bremerton, WA	$335M	2009
Bank of Elmwood	Racine, WI	$327M	2009
North Houston Bank	Houston, TX	$325M	2009
RockBridge Commercial Bank	Atlanta, GA	$294M	2009
FirstCity Bank	Stockbridge, GA	$285M	2009
America West Bank	Layton, UT	$282M	2009
First DuPage Bank of Westmont	Westmont, IL	$262M	2009
Corn Belt Bank & Trust Co.	Pittsfield, IL	$260M	2009
Security Bank of Gwinnett County	Suwanee, GA	$259M	2009
Madisonville State Bank	Madisonville, TX	$256M	2009
Great Basin Bank of Nevada	Elko, NV	$239M	2009
Security Savings Bank	Henderson, NV	$238M	2009
Heritage Community Bank	Glenwood, IL	$235M	2009
Ocala Nat'l Bank	Ocala, FL	$219M	2009
Bank USA, N.A.	Phoenix, AZ	$213M	2009
Bank of Lincolnwood	Lincolnwood, IL	$213M	2009
Neighborhood Community Bank	Newnan, GA	$213M	2009
BankFirst	Sioux Falls, SD	$211M	2009
InBank	Oak Forest, IL	$210M	2009
Community Bank of West Georgia	Villa Rica, GA	$201M	2009
Community First Bank	Prineville, OR	$200M	2009
Prosperan Bank	Oakdale, MN	$197M	2009
Security Bank of North Fulton	Alpharetta, GA	$191M	2009
Security Bank of North Metro	Woodstock, GA	$184M	2009
Flagship Nat'l Bank	Bradenton, FL	$178M	2009
Benchmark Bank	Aurora, IL	$173M	2009
Freedom Bank of Georgia	Commerce, GA	$172M	2009
Citizens State Bank	New Baltimore, MI	$169M	2009
Michigan Heritage Bank	Farmington Hills, MI	$168M	2009
First Coweta Bank	Newnan, GA	$164M	2009
First BankAmericano	Elizabeth, NJ	$163M	2009
Community Bank of Arizona	Phoenix, AZ	$159M	2009
First Nat'l Bank of Anthony	Anthony, KS	$157M	2009
United Security Bank	Sparta, GA	$154M	2009
First Nat'l Bank of Danville	Danville, IL	$148M	2009
Sherman County Bank	Loup City, NE	$135M	2009
Silver Falls Bank	Silverton, OR	$134M	2009
Pacific Coast Nat'l Bank	San Clemente, CA	$131M	2009
First Security Nat'l Bank	Norcross, GA	$127M	2009
Colorado Nat'l Bank	Colorado Springs, CO	$124M	2009
Millennium State Bank of Texas	Dallas, TX	$119M	2009
Citizens Nat'l Bank	Teague, TX	$118M	2009
First Piedmont Bank	Winder, GA	$114M	2009
American United Bank	Lawrenceville, GA	$110M	2009
First State Bank	Flagstaff, AZ	$107M	2009
American Southern Bank	Kennesaw, GA	$106M	2009
Integrity Bank	Jupiter, FL	$105M	2009
Riverview Community Bank	Otsego, MN	$99M	2009
Community Nat'l Bank of Sarasota County	Venice, FL	$93M	2009
First State Bank of Altus	Altus, OK	$91M	2009
Horizon Bank	Pine City, MN	$85M	2009
Hillcrest Bank Florida	Naples, FL	$83M	2009
Community Bank of Lemont	Lemont, IL	$82M	2009
MetroPacific Bank	Irvine, CA	$75M	2009
Rock River Bank	Oregon, IL	$75M	2009
Brickwell Community Bank	Woodbury, MN	$73M	2009
Pinnacle Bank of Oregon	Beaverton, OR	$72M	2009
Commerce Bank of Southwest Florida	Fort Myers, FL	$71M	2009
Bank of Wyoming	Thermopolis, WY	$70M	2009
John Warner Bank	Clinton, IL	$70M	2009
Waterford Village Bank	Williamsville, NY	$56M	2009
Elizabeth State Bank	Elizabeth, IL	$55M	2009
Jennings State Bank	Spring Grove, MN	$52M	2009
The Tattnall Bank	Reidsville, GA	$50M	2009
Citizens Community Bank	Ridgewood, NJ	$41M	2009
Valley Capital Bank, N.A.	Mesa, AZ	$40M	2009
First State Bank of Winchester	Winchester, IL	$30M	2009
Gateway Bank of St. Louis	St. Louis, MO	$27M	2009
First Bank of Kansas City	Kansas City, MO	$16M	2009
Franklin Bank	Houston, TX	$5.1B	2008
First Nat'l Bank of Nevada	Reno, NV	$3.4B	2008
Silver State Bank	Henderson, NV	$2.0B	2008
Integrity Bank	Alpharetta, GA	$1.1B	2008
The Columbian Bank and Trust Company	Topeka, KS	$735M	2008
The Community Bank	Loganville, GA	$635M	2008
Haven Trust Bank	Duluth, GA	$560M	2008
Security Pacific Bank	Los Angeles, CA	$528M	2008
Alpha Bank & Trust	Alpharetta, GA	$354M	2008
Freedom Bank	Bradenton, FL	$271M	2008
First Priority Bank	Bradenton, FL	$259M	2008
First Georgia Community Bank	Jackson, GA	$256M	2008
First Heritage Bank, N.A.	Newport Beach, CA	$255M	2008
Main Street Bank	Northville, MI	$112M	2008
First Integrity Bank, N.A.	Staples, MN	$53M	2008
Douglass Nat'l Bank	Kansas City, MO	$53M	2008
Meridian Bank	Eldred, IL	$38M	2008
Sanderson State Bank	Sanderson, TX	$38M	2008
Hume Bank	Hume, MO	$19M	2008

Sixty of these were Florida banks, more than any state but Georgia. Three closed after the source list was last compiled — Tioga-Franklin, Small Business Bank and Kentland Federal, all in 2026 — and were added from the FDIC list; each filed a 2026Q1 report before closing, so all five of their quarters are there. Sorting by assets puts the 2023 failures on top — First Republic, Silicon Valley and Signature are each larger than every 2008–2012 failure combined with room to spare. Sixty-two failures are missing: savings institutions supervised by the OTS filed Thrift Financial Reports rather than Call Reports, so they have no UBPR and cannot be opened here. Washington Mutual, IndyMac, Downey, AmTrust and BankUnited FSB are all in that group. Six thrifts that moved onto Call Reports in 2012Q1 and failed within the year open on one to three quarters rather than five, because that is every quarter they filed.

Bank names, cities and assets are from ubpr-master.json, script_version v22, current through 2026Q1. Names are as chartered, so the sign on the branch is sometimes different from the name here.