Grade F Banks

Reviewed byPlainbankdata Editorial, Us Bank Financial Editorial Team · June 5, 2026

All banks with a Grade F health rating. Under financial stress. FDIC insurance protects your deposits.

Note: FDIC deposit insurance protects your funds up to $250,000 per depositor, per account category — regardless of the bank's financial health. Even if a bank fails, your insured deposits are safe.

What This Ranking Tells You

This list contains 100 FDIC-insured banks ranked by assets. At the top sits Bank of China of New York, NY, with Assets of $61.9B and total assets of $61.9B. The bottom of this ranking is Blue Sky Bank (Pawhuska, OK) at $1.3B. Combined, the institutions in this ranking hold $382.5B in total assets, with the median position occupied by Think Mutual Bank at $2.2B. All figures are sourced directly from the FDIC BankFind Suite and reflect the latest quarterly Call Report filings.

Across this list, the average Tier 1 Capital Ratio is 0.42% — below the 10% "well-capitalized" threshold, and the average Return on Assets sits at 0.71%, which is below the 1% mark considered healthy. The Efficiency Ratio measures non-interest expenses against revenue — lower is better, and sub-60% is the industry efficiency benchmark.

Not financial advice. Rankings are computed from public FDIC Call Report data and reflect a single point in time. They are informational tools, not recommendations to open or close accounts, and not predictions of future performance. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings or endorsements. Regardless of where a bank appears on any list, FDIC insurance protects deposits up to $250,000 per depositor, per ownership category. Verify current figures directly at the FDIC's BankFind Suite and consult a qualified financial professional for decisions about where to hold funds.

#	Bank	Location	Grade	Assets	Assets
1	Bank of China	New York, NY	F	$61.9B	$61.9B
2	State Bank of India	New York, NY	F	$22.6B	$22.6B
3	Bank of Baroda	New York, NY	F	$15.9B	$15.9B
4	Bank Hapoalim B.M.	New York, NY	F	$10.2B	$10.2B
5	Capitol Federal Savings Bank	Topeka, KS	F	$9.8B	$9.8B
6	Mizrahi Tefahot Bank, Ltd.	Los Angeles, CA	F	$8.7B	$8.7B
7	BankPlus	Belzoni, MS	F	$8.1B	$8.1B
8	Cross River Bank	Fort Lee, NJ	F	$8.1B	$8.1B
9	Forbright Bank	Potomac, MD	F	$7.9B	$7.9B
10	Ridgewood Savings Bank	Ridgewood, NY	F	$7.5B	$7.5B
11	Bank of India	New York, NY	F	$7.0B	$7.0B
12	United Fidelity Bank, fsb	Evansville, IN	F	$6.3B	$6.3B
13	Choice Financial Group	Fargo, ND	F	$6.0B	$6.0B
14	Northfield Bank	Staten Island, NY	F	$5.8B	$5.8B
15	CTBC Bank Corp. (USA)	Los Angeles, CA	F	$5.6B	$5.6B
16	First Internet Bank of Indiana	Fishers, IN	F	$5.5B	$5.5B
17	Banesco USA	Miami, FL	F	$5.5B	$5.5B
18	State Bank of India	Chicago, IL	F	$4.8B	$4.8B
19	First Bank & Trust	Brookings, SD	F	$4.7B	$4.7B
20	Gate City Bank	Fargo, ND	F	$4.0B	$4.0B
21	The Bank of East Asia Ltd.	New York, NY	F	$3.9B	$3.9B
22	Bank of the Sierra	Porterville, CA	F	$3.8B	$3.8B
23	D. L. Evans Bank	Burley, ID	F	$3.7B	$3.7B
24	Union Savings Bank	Danbury, CT	F	$3.3B	$3.3B
25	BCB Community Bank	Bayonne, NJ	F	$3.3B	$3.3B
26	MVB Bank, Inc	Fairmont, WV	F	$3.3B	$3.3B
27	BankFirst Financial Services	Columbus, MS	F	$3.3B	$3.3B
28	First Citizens Community Bank	Mansfield, PA	F	$3.1B	$3.1B
29	Oakstar Bank	Springfield, MO	F	$3.0B	$3.0B
30	Centreville Bank	West Warwick, RI	F	$3.0B	$3.0B
31	First Fidelity Bank	Oklahoma City, OK	F	$2.9B	$2.9B
32	Guaranty Bank and Trust Company	Belzoni, MS	F	$2.9B	$2.9B
33	CB&S Bank, Inc.	Russellville, AL	F	$2.9B	$2.9B
34	Maine Community Bank	Portland, ME	F	$2.9B	$2.9B
35	Southern Bancorp Bank	Arkadelphia, AR	F	$2.8B	$2.8B
36	Cornerstone Bank	York, NE	F	$2.8B	$2.8B
37	Home Federal Bank of Tennessee	Knoxville, TN	F	$2.7B	$2.7B
38	Sunrise Banks, National Association	Sioux Falls, SD	F	$2.7B	$2.7B
39	State Bank of Southern Utah	Cedar City, UT	F	$2.6B	$2.6B
40	North Shore Bank	Brookfield, WI	F	$2.6B	$2.6B
41	Meridian Bank	Wayne, PA	F	$2.6B	$2.6B
42	One Community Bank	Oregon, WI	F	$2.6B	$2.6B
43	United Bank of Iowa	Ida Grove, IA	F	$2.5B	$2.5B
44	Peoples Bank	Bellingham, WA	F	$2.5B	$2.5B
45	First Western Bank & Trust	Minot, ND	F	$2.3B	$2.3B
46	Cashmere Valley Bank	Cashmere, WA	F	$2.3B	$2.3B
47	Luana Savings Bank	Luana, IA	F	$2.2B	$2.2B
48	Country Bank for Savings	Ware, MA	F	$2.2B	$2.2B
49	Maspeth Federal Savings and Loan Association	Maspeth, NY	F	$2.2B	$2.2B
50	First Bank Chicago	Highland Park, IL	F	$2.2B	$2.2B
51	Think Mutual Bank	Rochester, MN	F	$2.2B	$2.2B
52	Norway Savings Bank	Norway, ME	F	$2.1B	$2.1B
53	Nelnet Bank	Draper, UT	F	$2.1B	$2.1B
54	Montecito Bank & Trust	Santa Barbara, CA	F	$2.1B	$2.1B
55	Kennebunk Savings Bank	Kennebunk, ME	F	$2.0B	$2.0B
56	Florence Bank	Florence, MA	F	$2.0B	$2.0B
57	Tri City National Bank	Oak Creek, WI	F	$2.0B	$2.0B
58	Yakima Federal Savings and Loan Association	Yakima, WA	F	$2.0B	$2.0B
59	Beneficial State Bank	Oakland, CA	F	$2.0B	$2.0B
60	The Farmers & Merchants Bank	Stuttgart, AR	F	$2.0B	$2.0B
61	Fairfield County Bank	Ridgefield, CT	F	$1.9B	$1.9B
62	Blackhawk Bank & Trust	Milan, IL	F	$1.9B	$1.9B
63	Thomaston Savings Bank	Thomaston, CT	F	$1.9B	$1.9B
64	Whitaker Bank	Lexington, KY	F	$1.9B	$1.9B
65	Mission Bank	Bakersfield, CA	F	$1.9B	$1.9B
66	North Dallas Bank & Trust Co.	Dallas, TX	F	$1.9B	$1.9B
67	Ives Bank	Danbury, CT	F	$1.7B	$1.7B
68	Cape & Coast Bank	Yarmouth Port, MA	F	$1.7B	$1.7B
69	Troy Bank & Trust Company	Troy, AL	F	$1.6B	$1.6B
70	Northfield Savings Bank	Northfield, VT	F	$1.6B	$1.6B
71	Waukesha State Bank	Waukesha, WI	F	$1.6B	$1.6B
72	Transportation Alliance Bank, Inc. d/b/a TAB Bank	Ogden, UT	F	$1.6B	$1.6B
73	Newburyport Five Cents Savings Bank	Newburyport, MA	F	$1.6B	$1.6B
74	Bluestone Bank	Raynham, MA	F	$1.6B	$1.6B
75	Providence Bank & Trust	South Holland, IL	F	$1.6B	$1.6B
76	The Moody National Bank	Galveston, TX	F	$1.6B	$1.6B
77	The Ohio Valley Bank Company	Gallipolis, OH	F	$1.6B	$1.6B
78	SouthPoint Bank	Birmingham, AL	F	$1.6B	$1.6B
79	The Cecilian Bank	Cecilia, KY	F	$1.6B	$1.6B
80	BTC Bank	Bethany, MO	F	$1.6B	$1.6B
81	THE VINTON COUNTY NATIONAL BANK	Mcarthur, OH	F	$1.5B	$1.5B
82	BOM Bank	Natchitoches, LA	F	$1.5B	$1.5B
83	First National Bank of Pulaski	Pulaski, TN	F	$1.5B	$1.5B
84	Bath Savings Institution	Bath, ME	F	$1.5B	$1.5B
85	Washington Financial Bank	Washington, PA	F	$1.5B	$1.5B
86	Ascend Bank	Guilford, CT	F	$1.5B	$1.5B
87	Saco & Biddeford Savings Institution	Saco, ME	F	$1.4B	$1.4B
88	Central National Bank	Junction City, KS	F	$1.4B	$1.4B
89	West Gate Bank	Lincoln, NE	F	$1.4B	$1.4B
90	Fidelity Co-operative Bank	Leominster, MA	F	$1.4B	$1.4B
91	Marquette Savings Bank	Erie, PA	F	$1.4B	$1.4B
92	Sovereign Bank	Shawnee, OK	F	$1.4B	$1.4B
93	Savings Bank of Mendocino County	Ukiah, CA	F	$1.3B	$1.3B
94	City First Bank, National Association	Washington, DC	F	$1.3B	$1.3B
95	Adams Bank & Trust	Ogallala, NE	F	$1.3B	$1.3B
96	Rosedale Bank	Nottingham, MD	F	$1.3B	$1.3B
97	First State Bank	Eastpointe, MI	F	$1.3B	$1.3B
98	Genesee Regional Bank	Rochester, NY	F	$1.3B	$1.3B
99	Plains Commerce Bank	Sioux Falls, SD	F	$1.3B	$1.3B
100	Blue Sky Bank	Pawhuska, OK	F	$1.3B	$1.3B

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What "Grade F Banks" Actually Measures

All banks with a Grade F health rating. Under financial stress. FDIC insurance protects your deposits. 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.

Read our methodology — how this data is sourced, computed, and verified.

Browse all → | Rankings →

Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial