Ranking · health score
Safest Banks
Banks with the highest combined health scores based on Tier 1 capital, ROA, Texas Ratio, and efficiency ratio.
- 100/100
- Top: Morgan Stanley Bank
- 50
- Banks ranked
- 29.9%
- Avg Tier 1 capital
- 3.56%
- Avg ROA
Data updated July 2026
What this ranking shows
Morgan Stanley Bank of Salt Lake City, UT leads 50 banks on health score, at 100/100.
- 100/100
- top - Morgan Stanley Bank
- 50
- banks in this ranking
- 29.9%
- average Tier 1 capital ratio
- 3.56%
- average return on assets
Rankings are point-in-time snapshots from public FDIC Call Report data, not recommendations, and not official FDIC ratings. Deposits stay FDIC-insured to $250,000 per depositor, per category.
For context: the 50 banks in this ranking average 29.9% Tier 1 capital, above the 16.9% average across all 4,313 FDIC-insured banks PlainBankData tracks.
Tier 1 capital across the FDIC system
Every one of the 4,302 banks with a reported Tier 1 ratio, bucketed in 5-point bands. This ranking's 29.9% average falls in the highlighted band.
Top 10 by health score
Full ranking (50)
What "Safest Banks" actually measures
Banks with the highest combined health scores based on Tier 1 capital, ROA, Texas Ratio, and efficiency ratio. This page shows up to 50 institutions sorted on the specific metric named above, reported as filed by each bank in its quarterly FDIC Call Report, not blended with proprietary signals, customer reviews, or non-financial inputs. A bank's position shifts 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 narrow the universe of 4,300+ FDIC-insured banks down to a manageable shortlist. They are not, on their own, a recommendation. A bank at #1 for one metric (say ROA) may sit at #800 on another (efficiency ratio or Tier 1 capital). Pick the top 10–20 candidates that match a metric you care about, then click into each bank's profile for the full balance-sheet picture.
What this ranking does not tell you
This list says nothing about deposit-account features (fees, ATM networks, app quality, branch availability), customer service, or commercial credit quality beyond the broad ratios FDIC publishes. A community bank may rank well on Tier 1 capital and ROA yet still be wrong for someone who needs a national branch footprint. Every depositor at every bank here is FDIC-insured to the standard limit; the ranking is about institutional health, not personal account safety.
Methodology and recompute cadence
All metrics derive from the FDIC's Quarterly Banking Profile and Institution Directory, both public-domain. We recompute the rankings on each FDIC quarterly release; the page lastmod reflects the most recent recompute. Banks that merged, were acquired, or closed between quarters are removed at the first refresh that captures the event. A bank that fails to file on time is excluded from rate-based rankings for that quarter, we do not impute or extrapolate.
What to do with this ranking
Turn the leaderboard into a shortlist.
- Open the profiles of the top banks to read the full four-pillar breakdown behind each score. Top bank profile
- Cross-reference against another ranking, top of both profitability and capital adequacy is the most resilient profile. Best capitalized
- Confirm your deposit insurance coverage before moving any balance over $250,000. FDIC insurance
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions of future performance.
Retrieved and compiled by PlainBankData Editorial from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
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.