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
- 3,531
- Failures since '08
- 546
- FDIC guarantee
- $250K
The national picture
Of 4,313 FDIC-insured banks, 82% earn an A or B health grade, while 169 sit in the at-risk D/F band.
- 4,313
- FDIC-insured banks graded
- 82%
- grade A or B (well-capitalized, profitable)
- 169
- at-risk (grade D or F)
- 546
- bank failures since 2008 (peak 157 in 2010)
Grades are PlainBankData's interpretation of FDIC Call Report data. Deposits at every FDIC-insured bank are protected to $250,000 per depositor, per category, regardless of grade.
Health grade distribution
How the US banking system stacks up. Grades blend Tier 1 capital (40%), ROA (25%), Texas Ratio (20%), and efficiency (15%).
Bank health by state
Average health score (0-100) of FDIC-insured banks headquartered in each state. Darker states have stronger banking systems on average, tap any state for its full bank list.
Safest banks right now
Highest health scores, capital strength, profitability, and low problem loans
| Bank | State | Assets | Grade | Score |
|---|---|---|---|---|
| Morgan Stanley Bank, National AssociationSalt Lake City | UT | $253.3B | A | 100/100 |
| Deutsche Bank Trust Company AmericasNew York | NY | $43.0B | A | 100/100 |
| Ameriprise Bank, FSBMinneapolis | MN | $25.3B | A | 100/100 |
| Optum Bank, Inc.Draper | UT | $20.8B | A | 100/100 |
| First Financial BankAbilene | TX | $15.4B | A | 100/100 |
| Charles Schwab Trust BankWestlake | TX | $10.4B | A | 100/100 |
| International Bank of CommerceLaredo | TX | $9.8B | A | 100/100 |
| First Security BankSearcy | AR | $8.4B | A | 100/100 |
| RBC Bank, (Georgia) National AssociationAtlanta | GA | $8.0B | A | 100/100 |
| First American Trust, FSBSanta Ana | CA | $6.8B | A | 100/100 |
US bank failures by year
The FDIC has resolved 546 bank failures since 2008, concentrated in the 2009–2011 financial-crisis wave, with a brief 2023 spike (SVB, Signature, First Republic). Every insured deposit was protected.
Annual US bank failures (FDIC Failed Bank List)
Largest banks by assets
The institutions that hold the most of the system's deposits
Among the 100 largest FDIC-insured banks by assets, 95 (95%) carry an A or B health grade, scale and safety tend to move together at the top of the system, though size alone is never a guarantee, see the highest-risk rankings for exceptions.
How bank health grades work
Our A–F grades combine four FDIC financial metrics into one score:
- 40%Tier 1 Capital Ratio
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.
Guides & analysis
Plain-language explainers written to help you read the underlying public FDIC data correctly.
How to use PlainBankData
Three ways to put these FDIC figures to work.
- Look up your own bank to see its health grade and the four ratios behind it. Find your bank
- Compare the safest and highest-risk banks before moving large balances. Safest banks
- Confirm your deposit insurance coverage - $250,000 per depositor, per category. FDIC insurance explained
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings.
About this data
How PlainBankData works, and why you can trust these numbers
What this site is
PlainBankData turns FDIC Call Report filings, the mandatory quarterly financial statements every FDIC-insured bank must submit, into plain-language A-F health grades for 4,313+ banks and savings institutions. Every grade traces back to Tier 1 capital, return on assets, the Texas Ratio and efficiency ratio exactly as reported in the bank's own official filing.
Editorial process
- Source. Download the quarterly FDIC Call Report bulk data files and FFIEC Central Data Repository filings for every FDIC-insured bank, plus the FDIC's historical failed-bank list.
- Verify. Parse and normalize the raw regulatory fields, then compute each grade from Tier 1 capital, ROA, Texas Ratio and efficiency exactly as reported, with no fabricated or interpolated figures.
- Publish. Compile a per-bank profile with its A-F health grade, the four underlying ratios and failure history, linking back to the FDIC and FFIEC so readers can check our numbers against the original filing.
Editorial independence & corrections
The PlainBankData editorial team is independent and accepts no payment, sponsorship, or promoted placement from any bank, advisor or covered financial entity. Our only revenue comes from contextual display advertising, which does not influence which institutions we cover or how we present their data. Spotted an error or a stale figure? Contact us via the contact page; we review corrections promptly. See our methodology for full source attribution and refresh cadence.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.