FDIC BankFind Suite Q4 2025 · 4,313 insured banks

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.

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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 (Q4 2025 Call Report)
82%
grade A or B (well-capitalized, profitable)
169
at-risk (grade D or F)
546
FAILURE resolutions since 2008 (peak 157 in 2010; Failed Bank List)

Dual vintage: health grades are PlainBankData's reading of Q4 2025 FDIC Call Report filings; failure counts are historical FDIC Failed Bank List rows with resolution_type=FAILURE (ASSISTANCE excluded). 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%).

A
2,052
48% of banks
B
1,479
34% of banks
C
607
14% of banks
D
126
3% of banks
F
43
1% of banks

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.

Average bank health score by state, FDIC Q4 2025 Call Report
AK ME
VT NH
WA ID MT ND MN IL WI MI NY MA
OR UT WY SD IA IN OH PA NJ CT RI
CA NV CO NE MO KY WV VA MD DE
AZ NM KS AR TN NC SC DC
OK LA MS AL GA
HI TX FL
Scale: 60–66 66–72 72–77 77–83 83–89
View all 55 states as a list
  1. FM: 89
  2. New Mexico: 88
  3. Alaska: 87
  4. Delaware: 86
  5. Idaho: 85
  6. Utah: 85
  7. Nevada: 84
  8. Georgia: 83
  9. Montana: 82
  10. Texas: 82
  11. South Dakota: 81
  12. Missouri: 80
  13. Iowa: 79
  14. California: 78
  15. Kansas: 78
  16. Kentucky: 78
  17. Nebraska: 78
  18. North Dakota: 78
  19. South Carolina: 78
  20. Alabama: 77
  21. Colorado: 77
  22. Minnesota: 77
  23. Tennessee: 77
  24. Virginia: 77
  25. Wisconsin: 77
  26. Arkansas: 76
  27. Illinois: 76
  28. Louisiana: 76
  29. Mississippi: 76
  30. Oklahoma: 76
  31. Hawaii: 75
  32. VI: 75
  33. Wyoming: 75
  34. Florida: 74
  35. Maryland: 74
  36. Michigan: 74
  37. North Carolina: 74
  38. Ohio: 74
  39. Maine: 73
  40. Pennsylvania: 73
  41. Indiana: 72
  42. West Virginia: 72
  43. New Jersey: 71
  44. New York: 71
  45. Rhode Island: 71
  46. Vermont: 71
  47. Washington: 71
  48. GU: 70
  49. Oregon: 70
  50. Connecticut: 69
  51. New Hampshire: 68
  52. Massachusetts: 66
  53. PR: 65
  54. District of Columbia: 64
  55. Arizona: 60

Safest banks right now

Highest health scores, capital strength, profitability, and low problem loans

See all →
BankStateAssetsGradeScore
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)

0 30 60 90 120 150 180 '08 '09 '10 '11 '12 '13 '14 '15 '16 '17 '19 '20 '23 '24 '25 '26 25 140 157 92 51 24 18 8 5 8 4 4 5 2 2 1
FDIC Failed Bank List (2008–2026). See the methodology for source and computation details.

Size vs. safety: where the 25 largest banks land

Total assets against health score for the 25 largest FDIC-insured banks. Dividers sit at the MEDIAN of this group, not zero, so "big" and "healthy" are relative to size-25 peers, not the full 4,313-bank system.

FDIC Call Report Q4 2025 · total assets vs. computed health score 2×2 strategic matrix plotting 25 entities by Total Assets ($B) (X) and Health Score (Y), with a crosshair dividing the plot into four quadrants. Big & strongSmall & strongBig & fragileSmall & fragile $0B$1,000B$2,000B$3,000B$4,000B 708090100110 Total Assets ($B) Health Score Total assets vs. health score, 25 largest FDIC-insured banks
FDIC Call Report Q4 2025 · total assets vs. computed health score

Largest banks by assets

The institutions that hold the most of the system's deposits

See all →
Top 6 US banks by total assets
  1. 1
    JPMorgan Chase Bank $3.75T

    Columbus, OH · Grade A

  2. 2
    Bank of America $2.64T

    Charlotte, NC · Grade A

  3. 3
    Citibank $1.84T

    Sioux Falls, SD · Grade A

  4. 4
    Wells Fargo Bank $1.82T

    Sioux Falls, SD · Grade A

  5. 5
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  6. 6
    Capital One $658.5B

    Mclean, VA · Grade B

Largest FDIC-insured banks ranked by total assets · FDIC Call Report Q4 2025 · top 6 of 4,313 banks.

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.

How grades work →

Browse the data

📊
All bank rankings
Safest, largest, best-capitalized, most profitable, and highest-risk banks.
🗺️
Banks by state
All 50 states with bank counts, grades, and failure history.
🔬
Research
Original analysis of FDIC data: top banks, state concentration, failure history.

Guides & analysis

Plain-language explainers written to help you read the underlying public FDIC data correctly.

Understanding bank capital ratios

What Tier 1, CET1, and total capital actually protect against →

What the Texas Ratio means

The single ratio that flagged the most failed banks →

Bank failures: what depositors should know

What actually happens to your money when a bank fails →

How to use PlainBankData

Three ways to put these FDIC figures to work.

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

  1. 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.
  2. 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.
  3. 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

PlainBankData 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.

Download the FDIC bank financial-conditions extract cited on this page: fdic-bank-financial-conditions.csv (public domain / CC0).