Grade B Banks

What "Grade B Banks" Actually Measures

All banks with a Grade B health rating. Good financial health. This page shows up to 100 institutions sorted on the specific metric named above. The metric is reported as filed by each bank in its quarterly FDIC Call Report — we do not blend it with proprietary signals, customer reviews, or non-financial inputs. A bank's position on this list will shift each quarter as call-report data refreshes; rankings are point-in-time snapshots, not trailing averages.

How to Use a Ranked View

Single-metric rankings are useful for narrowing the universe of 4,300+ FDIC-insured banks down to a manageable shortlist for further investigation. They are not, on their own, a recommendation. A bank at position #1 for one metric (say, return on assets) may sit at position #800 on another (efficiency ratio or Tier 1 capital). The most informative way to use this list is to pick the top 10–20 candidates that match a metric you care about, then click into each bank's profile page to see the full balance-sheet picture, the federal regulator's notes, and any historical enforcement actions.

What This Ranking Does Not Tell You

This list tells you nothing about deposit-account features (fee schedules, ATM networks, mobile-app quality, branch availability), nothing about customer service, and nothing about the bank's commercial credit quality outside the broad ratios FDIC publishes. A small community bank may rank extremely well on Tier 1 capital and ROA yet still be inappropriate for a depositor whose primary need is a national branch footprint. Likewise, a low ranking on a single metric is not a warning by itself — interpret it alongside the bank's grade and the Texas Ratio. Every depositor at every bank on this list is insured by the FDIC up to the standard limit; the ranking is about institutional financial health, not personal account safety.

Methodology and Recompute Cadence

All metrics on this page are derived from the FDIC's Quarterly Banking Profile and the Institution Directory, both public-domain data. We recompute the rankings on each FDIC quarterly release; the page lastmod stamp reflects the most recent recompute. Banks that have merged, been acquired, or closed between quarters are removed at the first refresh that captures the event. Banks newly chartered during the quarter appear in their first eligible release. If a bank fails to submit its quarterly call report on time (rare), it is excluded from rate-based rankings for that quarter — we will not impute or extrapolate.

Comparing Rankings to Each Other

Cross-comparing two rankings (for example, "most-profitable" against "best-capitalized") is more informative than reading either in isolation. Banks that appear in the top quartile of both lists are operating efficiently with substantial capital buffers — historically the safest profile. Banks at the top of profitability but the bottom of capital adequacy may be running thin equity cushions to amplify return on equity, which is structurally less resilient to a credit shock. The portal makes this comparison easier than it sounds: each bank's profile page links to its peer-group comparison and shows every ranking it appears in.