Is your bank
actually safe?
A–F health grades for 4,313 FDIC-insured banks computed from Tier 1 capital · ROA · Texas Ratio · efficiency. Free government data, no signup.
- FDIC banks
- 4,313
- Grade A/B
- 1054
- Historical failures
- 4,114
- FDIC guarantee
- $250K
Health Grade Distribution
How does the US banking system stack up? Grades computed from Tier 1 capital, ROA, Texas Ratio, and efficiency ratio.
Safest Banks
Highest health scores based on capital strength, profitability, and low problem loans
| Bank | State | Assets | Grade | Score |
|---|---|---|---|---|
| Morgan Stanley Bank, National Association Salt Lake City | UT | $253.3B | A | 80/100 |
| Deutsche Bank Trust Company Americas New York | NY | $43.0B | A | 80/100 |
| Ameriprise Bank, FSB Minneapolis | MN | $25.3B | A | 80/100 |
| Optum Bank, Inc. Draper | UT | $20.8B | A | 80/100 |
| FirstBank Puerto Rico Santurce | PR | $19.1B | A | 80/100 |
| First Financial Bank Abilene | TX | $15.4B | A | 80/100 |
| Charles Schwab Trust Bank Westlake | TX | $10.4B | A | 80/100 |
| International Bank of Commerce Laredo | TX | $9.8B | A | 80/100 |
| First Security Bank Searcy | AR | $8.4B | A | 80/100 |
| RBC Bank, (Georgia) National Association Atlanta | GA | $8.0B | A | 80/100 |
How Bank Health Grades Work
Our A-F health grades combine four key FDIC financial metrics into a single score:
- 40% Tier 1 Capital Ratio
Bank's core capital vs risk-weighted assets. Well-capitalized = 10%+.
- 25% Return on Assets (ROA)
Profitability per dollar of assets. Healthy = 1%+.
- 20% Texas Ratio
Problem loans vs capital. Under 15% = low risk.
- 15% Efficiency Ratio
Operating costs vs revenue. Under 60% = efficient.
Explore Related Data
Largest Banks by Assets
Assets in thousands of dollars (USD)
Browse Banks by State
All statesClick any state to see all banks, health grades, and recent failure history.
View All 50 States →Guides & Analysis
Editorial research and plain-language explainers from our team. Every guide is written to help you read the underlying public data correctly.
Research
Original editorial research is being refreshed. Visit the research hub — in the meantime, browse the underlying FDIC BankFind data via the bank index and state rollups.