Bank & Credit Union Health Trends 2026: The Banks and Credit Unions Getting Healthier, Deteriorating, and at Risk
Brian McKay
Brian McKayFounder & Data Architect
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Over the latest two quarters of federal call report data, 2,877 of the 8,609 U.S. banks and credit unions with filings in both quarters improved their Texas Ratio by more than half a point, 2,268 weakened by that much, and the rest held roughly steady. On balance the industry improved. Banks are measured from Q4 2025 to Q2 2026 (FDIC) and credit unions from Q3 2025 to Q1 2026 (NCUA). Every institution named below links to its profile, where a 12 quarter history chart shows the full path.
Texas Ratio lookup
Type a bank or credit union name, or its FDIC certificate or NCUA charter number, to see its current Texas Ratio, Health Grade and Star Rating and jump to its 12 quarter history. Or build a list: pick banks or credit unions, a state, a minimum size and a grade, then sort by ratio or by how much it moved last quarter.
Lists show up to 100 institutions from the latest call report on file (banks and credit unions file on different schedules, so their quarters differ). Every row links to the institution’s profile and history chart.
Where the healthiest banks and credit unions are
Color shows the percentage of each state’s banks and credit unions that meet all three MonitorBankRates health standards (Texas Ratio under 15%, Star Rating 4.5 or higher, A-tier Health Grade) on their latest call report. Hover for counts; click a state for its movers and healthiest institutions.
Share = institutions passing all three MonitorBankRates health tests on their latest call report, divided by all banks and credit unions MonitorBankRates tracks in the state.
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How many institutions have a Texas Ratio above 50%, the usual warning level
Count of banks and credit unions whose Texas Ratio was 50% or higher at each quarter end, over the last 12 quarters. A ratio that high means problem loans and foreclosed property are approaching or exceeding the capital available to absorb losses. These are the institutions most worth watching; the list below names them, and the deteriorating lists further down show which institutions are heading that way. Credit union data (NCUA) is published about a quarter after bank data (FDIC), which is why the green line ends earlier.
Banks and credit unions with a Texas Ratio above 50% right now
Every bank and credit union with a Texas Ratio at or above 50% on its latest call report (38 banks, 19 credit unions), highest first. “Quarters above 50%” counts how many of the last 12 quarters the institution has been at or above 50%; a long streak is a chronic problem, a short one is new stress. A high ratio is a warning sign, not a prediction of failure; deposits at FDIC and NCUA insured institutions are insured to $250,000.
Why so many small institutions? The Texas Ratio is the same test for every bank and credit union, but a small one has very little capital, so a handful of late loans can send its ratio past 50%, or even past 100%. Credit unions that serve lower income members also tend to have more late payments, and NCUA notes those late payments usually do not turn into actual losses. So treat a high ratio as a reason to look closer, not proof of trouble. The streak column helps: 12 straight quarters above 50% is a chronic problem, one quarter is new stress. Sort by assets to see the larger institutions.
Banks: 38
| # | Bank | Assets | Texas Ratio | vs prior quarter | Quarters above 50% | Grade |
|---|---|---|---|---|---|---|
| 1 | Lamont Bank of St. JohnSaint John, WA | $51M | 1,933.41% | +1,011.44 | 4 of 12 | F |
| 2 | Tioga-Franklin Savings BankPhiladelphia, PA | $68M | 389.12% | +141.55 | 12 of 12 | F |
| 3 | Nano BancIrvine, CA | $736M | 317.46% | +62.91 | 5 of 12 | F |
| 4 | Columbia Savings and Loan AssociationMilwaukee, WI | $21M | 282.27% | +88.20 | 9 of 12 | F |
| 5 | Grand Rivers Community BankGrand Chain, IL | $15M | 161.11% | +1.88 | 7 of 12 | F |
| 6 | MidFirst BankOklahoma City, OK | $42.8B | 147.25% | -13.09 | 12 of 12 | F |
| 7 | FSB of Randolph CountyCuthbert, GA | $87M | 114.60% | +15.42 | 7 of 12 | F |
| 8 | First Security B&T Co. Oklahoma City, OK | $226M | 111.10% | +32.14 | 4 of 12 | F |
| 9 | First & Peoples B&T Co.Russell, KY | $207M | 88.12% | -10.54 | 12 of 12 | F |
| 10 | Chesterfield State BankChesterfield, IL | $22M | 86.32% | +5.77 | 6 of 12 | F |
| 11 | First Southern Bank Florence, ALFlorence, AL | $679M | 85.21% | +27.73 | 2 of 12 | F |
| 12 | Enterprise Bank Allison Park, PAAllison Park, PA | $525M | 84.39% | -2.37 | 9 of 12 | F |
| 13 | Bank of ViciVici, OK | $29M | 83.87% | +64.79 | 4 of 12 | F |
| 14 | Transpecos BanksPecos, TX | $972M | 81.32% | +19.93 | 2 of 12 | F |
| 15 | Drake BankSaint Paul, MN | $247M | 77.33% | +23.32 | 3 of 12 | F |
| 16 | Unity Bank Augusta, WI Augusta, WI | $575M | 73.99% | +1.94 | 5 of 12 | F |
| 17 | First National B&T Co. Clinton, ILClinton, IL | $388M | 73.71% | -27.25 | 5 of 12 | F |
| 18 | Newtek BankMiami, FL | $2.5B | 73.57% | +19.52 | 3 of 12 | F |
| 19 | First B&T Co. of MurphysboroMurphysboro, IL | $83M | 73.49% | -6.46 | 12 of 12 | F |
| 20 | The Iuka State BankSalem, IL | $133M | 71.85% | +1.96 | 5 of 12 | F |
| 21 | Sterling Federal BankSterling, IL | $482M | 62.70% | +15.86 | 5 of 12 | F |
| 22 | AllNations BankCalumet, OK | $85M | 58.05% | -2.60 | 6 of 12 | F |
| 23 | Farmers Bank Ault, CO Ault, CO | $297M | 57.56% | -2.89 | 4 of 12 | F |
| 24 | MRV BanksSainte Genevieve, MO | $803M | 56.27% | +2.32 | 3 of 12 | F |
| 25 | Farmers State Bank Elmwood, ILElmwood, IL | $67M | 56.21% | -7.00 | 10 of 12 | F |
| 26 | SNB BankShattuck, OK | $129M | 55.23% | +15.44 | 1 of 12 | F |
| 27 | Mauch Chunk Trust CompanyJim Thorpe, PA | $643M | 55.00% | -95.36 | 4 of 12 | F |
| 28 | Pauls Valley BankPauls Valley, OK | $357M | 54.54% | +2.56 | 5 of 12 | F |
| 29 | United Republic BankElkhorn, NE | $186M | 54.29% | +10.05 | 2 of 12 | F |
| 30 | Commercial Bank & Trust CompanyMonticello, AR | $364M | 53.02% | +8.67 | 1 of 12 | F |
| 31 | SL BankLarose, LA | $178M | 51.51% | +15.55 | 1 of 12 | F |
| 32 | Home Savings Bank, FSBLudlow, KY | $26M | 51.51% | +2.54 | 1 of 12 | F |
| 33 | Midwest Regional BankClayton, MO | $949M | 51.19% | +6.35 | 1 of 12 | F |
| 34 | WCF Financial BankWebster City, IA | $224M | 51.10% | -3.81 | 3 of 12 | F |
| 35 | FirsTier BankKimball, NE | $1.0B | 51.03% | -14.89 | 4 of 12 | F |
| 36 | First Enterprise BankOklahoma City, OK | $190M | 50.59% | -4.85 | 5 of 12 | F |
| 37 | Bank of OntarioOntario, WI | $79M | 50.52% | -1.80 | 4 of 12 | F |
| 38 | Peoples B&T Co. Ryan, OKRyan, OK | $62M | 50.47% | +9.34 | 1 of 12 | F |
Credit Unions: 19
| # | Credit Union | Assets | Texas Ratio | vs prior quarter | Quarters above 50% | Grade |
|---|---|---|---|---|---|---|
| 1 | WeDevelopment Federal Credit UnionKansas City, MO | $3M | 482.83% | +334.05 | 5 of 12 | F |
| 2 | Noteworthy Federal Credit UnionCleveland, OH | $5M | 450.03% | +270.72 | 2 of 12 | F |
| 3 | Citizens Choice Federal Credit UnionNatchez, MS | $1M | 177.30% | +56.00 | 5 of 12 | F |
| 4 | First Baptist Church Federal Credit UnionStratford, CT | $0M | 149.09% | +145.06 | 1 of 12 | F |
| 5 | Empowerment Community Development Federal Credit UnionHouston, TX | $1M | 134.69% | +0.04 | 3 of 12 | F |
| 6 | Bothwell Hospital Employees Credit UnionSEDALIA, MO | $2M | 115.36% | +95.04 | 1 of 12 | F |
| 7 | First Unity Federal Credit UnionMcComb, MS | $12M | 113.32% | -51.21 | 5 of 12 | F |
| 8 | NRS Community Development Federal Credit UnionBIRMINGHAM, AL | $1M | 105.54% | -13.79 | 7 of 12 | F |
| 9 | AKRONAkron | $0M | 100.70% | +38.60 | 2 of 12 | F |
| 10 | Sixth Avenue Baptist Federal Credit UnionBIRMINGHAM, AL | $5M | 76.17% | -30.33 | 4 of 12 | F |
| 11 | SHPE Federal Credit UnionGREENSBURG, LA | $4M | 67.04% | -15.48 | 7 of 12 | F |
| 12 | Greater Nevada Credit UnionCARSON CITY, NV | $1.7B | 59.98% | +1.73 | 9 of 12 | F |
| 13 | Pear Orchard Federal Credit UnionBeaumont, TX | $1M | 58.91% | +1.35 | 11 of 12 | F |
| 14 | First Carolina Peoples Credit UnionGOLDSBORO, NC | $34M | 58.52% | +17.68 | 2 of 12 | F |
| 15 | Sunflower Federal Credit UnionValley Center, KS | $0M | 55.85% | +9.99 | 5 of 12 | F |
| 16 | Local Government Federal Credit UnionRALEIGH, NC | $3.2B | 55.39% | -23.83 | 3 of 12 | F |
| 17 | Tuskegee Federal Credit UnionTUSKEGEE, AL | $12M | 54.16% | +25.79 | 3 of 12 | F |
| 18 | Stephens County Community Federal Credit UnionTOCCOA, GA | $0M | 54.14% | +54.14 | 1 of 12 | F |
| 19 | PILGRIM CUCCHouston | $1M | 50.40% | +5.88 | 1 of 12 | F |
Getting healthier, and deteriorating
The 25 biggest moves in each direction, ranked by the change in Texas Ratio in points between the two latest quarters: banks Q4 2025 to Q2 2026, credit unions Q3 2025 to Q1 2026. A falling ratio means fewer problem assets relative to capital. Only moves of at least one point are listed. Click any row for the institution’s profile and 12 quarter history.
How to read the change: a bank going from 40% to 20% has improved by 20 points even though it is still well above the 15% healthy line, while one going from 2% to 4% has weakened by 2 points and remains very strong. Read the change together with the level.
Banks
Getting healthier: top 25
| # | Bank | Assets | Texas Ratio | Change | Grade |
|---|---|---|---|---|---|
| 1 | First National B&T Co. Clinton, ILClinton, IL | $388M | 196.38% to 73.71% | F to F | |
| 2 | Farmers State Bank Elmwood, ILElmwood, IL | $67M | 170.34% to 56.21% | F to F | |
| 3 | Walden Mutual BankConcord, NH | $193M | 85.39% to 25.14% | F to C+ | |
| 4 | Mauch Chunk Trust CompanyJim Thorpe, PA | $643M | 114.24% to 55.00% | F to F | |
| 5 | Carter Bank & TrustMartinsville, VA | $4.8B | 61.39% to 7.55% | F to A | |
| 6 | First Capital Bank Quanah, TXQuanah, TX | $107M | 53.09% to 9.89% | F to A | |
| 7 | Chesterfield State BankChesterfield, IL | $22M | 128.06% to 86.32% | F to F | |
| 8 | Currie State BankCurrie, MN | $100M | 48.75% to 8.00% | F to A | |
| 9 | Seattle BankSeattle, WA | $891M | 60.80% to 29.81% | F to C- | |
| 10 | Ozona BankOzona, TX | $346M | 32.37% to 1.54% | D to A+ | |
| 11 | Citizens State Bank of LulingLuling, TX | $74M | 33.07% to 4.82% | D to A+ | |
| 12 | Red River State BankHalstad, MN | $110M | 77.16% to 49.19% | F to F | |
| 13 | Citizens Independent BankSaint Louis Park, MN | $314M | 30.17% to 3.74% | C- to A+ | |
| 14 | Carver Federal Savings BankNew York, NY | $658M | 65.23% to 40.52% | F to F | |
| 15 | Crescent BankMetairie, LA | $1.1B | 25.95% to 3.24% | C+ to A+ | |
| 16 | Dickinson County BankEnterprise, KS | $23M | 33.99% to 11.34% | D to A | |
| 17 | Hometown Bank Kent, OHKent, OH | $255M | 28.69% to 6.05% | C to A | |
| 18 | FNB of HopeHope, KS | $83M | 29.09% to 7.59% | C to A | |
| 19 | FNB Bank Goodland, KSGoodland, KS | $270M | 51.95% to 30.77% | F to C- | |
| 20 | Signature Bank (IL)Rosemont, IL | $2.1B | 21.61% to 1.17% | B to A+ | |
| 21 | Fidelity Bank of TexasWaco, TX | $163M | 20.46% to 0.21% | B to A+ | |
| 22 | Guaranty B&T Co. of Delhi, LADelhi, LA | $457M | 33.32% to 13.90% | D to A | |
| 23 | Gateway Bank, F.S.B.Oakland, CA | $288M | 33.31% to 14.27% | D to A- | |
| 24 | Millbury National BankMillbury, MA | $147M | 21.64% to 3.69% | B to A+ | |
| 25 | FSB of RosemountRosemount, MN | $146M | 60.93% to 43.05% | F to F |
Deteriorating: top 25
| # | Bank | Assets | Texas Ratio | Change | Grade |
|---|---|---|---|---|---|
| 1 | Lamont Bank of St. JohnSaint John, WA | $51M | 67.36% to 1,933.41% | F to F | |
| 2 | Tioga-Franklin Savings BankPhiladelphia, PA | $68M | 179.37% to 389.12% | F to F | |
| 3 | Bank of ViciVici, OK | $29M | 23.37% to 83.87% | C+ to F | |
| 4 | Columbia Savings and Loan AssociationMilwaukee, WI | $21M | 233.54% to 282.27% | F to F | |
| 5 | Transpecos BanksPecos, TX | $972M | 34.58% to 81.32% | D to F | |
| 6 | First Security B&T Co. Oklahoma City, OK | $226M | 65.94% to 111.10% | F to F | |
| 7 | SL BankLarose, LA | $178M | 10.10% to 51.51% | A to F | |
| 8 | First Southern Bank Florence, ALFlorence, AL | $679M | 44.55% to 85.21% | F to F | |
| 9 | American Trust and Savings BankLowden, IA | $28M | 15.43% to 48.80% | A- to F | |
| 10 | Central Bank Little Rock, ARLittle Rock, AR | $955M | 15.67% to 48.94% | A- to F | |
| 11 | F&M State Bank of SpringfieldSpringfield, MN | $140M | 0.00% to 33.22% | A+ to D | |
| 12 | Frontier State BankOklahoma City, OK | $609M | 1.30% to 34.37% | A+ to D | |
| 13 | SJN Bank of KansasSaint John, KS | $303M | 16.30% to 47.85% | A- to F | |
| 14 | Grand Rivers Community BankGrand Chain, IL | $15M | 132.44% to 161.11% | F to F | |
| 15 | Bank of CoushattaCoushatta, LA | $317M | 9.69% to 36.90% | A to D | |
| 16 | FSB Spearman, TXSpearman, TX | $184M | 1.58% to 27.75% | A+ to C | |
| 17 | MidFirst BankOklahoma City, OK | $42.8B | 121.19% to 147.25% | F to F | |
| 18 | First National Bank Alamogordo, NMAlamogordo, NM | $453M | 20.11% to 45.80% | C- to F | |
| 19 | First Security Bank Byron, MNByron, MN | $162M | 2.44% to 28.08% | A+ to C | |
| 20 | Drake BankSaint Paul, MN | $247M | 52.14% to 77.33% | F to F | |
| 21 | Hiawatha National BankHager City, WI | $781M | 11.34% to 35.17% | A to D | |
| 22 | Tri-County B&T Co.Roachdale, IN | $314M | 6.41% to 30.19% | A to C- | |
| 23 | Prairie Community BankMarengo, IL | $188M | 3.82% to 27.11% | A+ to C | |
| 24 | Farmers and Merchants State Bank of AlphaAlpha, MN | $47M | 0.86% to 24.00% | A+ to B- | |
| 25 | Solon State BankSolon, IA | $122M | 24.52% to 46.95% | C+ to F |
Credit Unions
Getting healthier: top 25
| # | Credit Union | Assets | Texas Ratio | Change | Grade |
|---|---|---|---|---|---|
| 1 | Symphony Federal Credit UnionBoston, MA | $2M | 99.09% to 13.56% | F to A | |
| 2 | Brentwood Baptist Church Federal Credit UnionHouston, TX | $1M | 71.96% to 17.98% | F to B+ | |
| 3 | Park Manor Christian Church Credit UnionCHICAGO, IL | $2M | 56.28% to 11.88% | F to A | |
| 4 | Guernsey Community Federal Credit UnionGUERNSEY, WY | $2M | 88.02% to 46.29% | F to F | |
| 5 | SP Trainmen Federal Credit UnionHouston, TX | $3M | 46.43% to 5.04% | F to A+ | |
| 6 | Sixth Avenue Baptist Federal Credit UnionBIRMINGHAM, AL | $5M | 111.59% to 76.17% | F to F | |
| 7 | Cogic Credit UnionLafayette, LA | $0M | 53.74% to 18.90% | F to F | |
| 8 | Community Financial Services Federal Credit UnionROSELLE, NJ | $32M | 34.18% to 7.01% | D to A | |
| 9 | Bykota Federal Credit UnionBrooklyn, NY | $2M | 44.05% to 17.72% | F to D | |
| 10 | Downey Federal Credit UnionDowney, CA | $331M | 26.72% to 2.80% | C to A+ | |
| 11 | Sorg Bay West Federal Credit UnionMIDDLETOWN, OH | $12M | 46.20% to 23.20% | F to F | |
| 12 | Michigan Coastal Credit UnionMuskegon, MI | $26M | 26.46% to 4.68% | C+ to A+ | |
| 13 | Mississippi National Guard Federal Credit UnionJACKSON, MS | $43M | 25.49% to 3.72% | C+ to A+ | |
| 14 | SPC BROOKLYNBrooklyn | $0M | 21.72% to 0.00% | B to A+ | |
| 15 | Everest Federal Credit UnionJackson Heights, NY | $9M | 57.24% to 36.68% | F to D | |
| 16 | First NRV Federal Credit UnionRadford, VA | $39M | 28.82% to 9.80% | C to A | |
| 17 | Parthenon Federal Credit UnionNashville, TN | $17M | 36.29% to 17.76% | D to B+ | |
| 18 | Lovers Lane Credit UnionSaint Joseph, MO | $8M | 34.14% to 17.30% | D to B+ | |
| 19 | Mini Cassia Empl Credit UnionBurley, ID | $1M | 25.32% to 8.49% | C+ to A | |
| 20 | SHPE Federal Credit UnionGREENSBURG, LA | $4M | 83.54% to 67.04% | F to F | |
| 21 | GLAMORGAN EMPLOYEESLynchburg | $2M | 42.12% to 25.71% | F to C+ | |
| 22 | Box Butte Public Employees Federal Credit UnionALLIANCE, NE | $8M | 29.64% to 13.35% | C- to A | |
| 23 | Campus Credit UnionWichita, KS | $41M | 17.47% to 1.57% | B+ to A+ | |
| 24 | Pine Bluff Cotton Belt Federal Credit UnionPINE BLUFF, AR | $70M | 25.59% to 10.16% | C+ to A | |
| 25 | Los Angeles Lee Federal Credit UnionLos Angeles, CA | $1M | 21.77% to 7.16% | B to A |
Deteriorating: top 25
| # | Credit Union | Assets | Texas Ratio | Change | Grade |
|---|---|---|---|---|---|
| 1 | Noteworthy Federal Credit UnionCleveland, OH | $5M | 23.16% to 450.03% | B- to F | |
| 2 | WeDevelopment Federal Credit UnionKansas City, MO | $3M | 120.07% to 482.83% | F to F | |
| 3 | First Baptist Church Federal Credit UnionStratford, CT | $0M | 2.26% to 149.09% | A+ to F | |
| 4 | Citizens Choice Federal Credit UnionNatchez, MS | $1M | 57.85% to 177.30% | F to F | |
| 5 | Bothwell Hospital Employees Credit UnionSEDALIA, MO | $2M | 18.69% to 115.36% | B+ to F | |
| 6 | Empowerment Community Development Federal Credit UnionHouston, TX | $1M | 56.90% to 134.69% | F to F | |
| 7 | First Unity Federal Credit UnionMcComb, MS | $12M | 39.30% to 113.32% | D to F | |
| 8 | AKRONAkron | $0M | 30.94% to 100.70% | C- to F | |
| 9 | Stephens County Community Federal Credit UnionTOCCOA, GA | $0M | 0.00% to 54.14% | A+ to F | |
| 10 | Hamilton Horizons Federal Credit UnionHamilton, NJ | $19M | 6.87% to 49.58% | A to F | |
| 11 | Paris District Credit UnionParis, TX | $0M | 0.00% to 33.13% | A+ to D | |
| 12 | Corpus Christi Southern Pacific Credit UnionCorpus Christi, TX | $5M | 4.86% to 36.20% | A+ to D | |
| 13 | Machinists-Boilermakers Federal Credit UnionGladstone, OR | $3M | 3.14% to 32.72% | A+ to D | |
| 14 | City of Fairmont Federal Credit UnionFairmont, WV | $1M | 16.31% to 43.06% | A- to F | |
| 15 | Criers Federal Credit UnionMonroe Township, NJ | $2M | 0.00% to 26.58% | A+ to C+ | |
| 16 | Wright Dunbar Area Credit UnionDayton, OH | $0M | 5.84% to 30.15% | A+ to C- | |
| 17 | United Hospital Center Federal Credit UnionBridgeport, WV | $13M | 4.63% to 28.15% | A+ to C | |
| 18 | Saint John A M E Federal Credit UnionNIAGARA FALLS, NY | $0M | 4.74% to 25.77% | A+ to C+ | |
| 19 | Tompkins Employees Federal Credit UnionIthaca, NY | $13M | 3.56% to 22.37% | A+ to B- | |
| 20 | FOURTH WARDamite | $1M | 13.99% to 32.66% | A to D | |
| 21 | Morning Star Federal Credit UnionTulsa, OK | $1M | 24.91% to 43.30% | C+ to F | |
| 22 | Kauai Federal Credit UnionLihue, HI | $198M | 9.00% to 27.12% | A to C | |
| 23 | Local 265 IBEW Federal Credit UnionLINCOLN, NE | $5M | 0.83% to 18.66% | A+ to B+ | |
| 24 | Concordia Parish School Employees Federal Credit UnionFERRIDAY, LA | $3M | 11.82% to 28.55% | A to C | |
| 25 | Trailhead Federal Credit UnionPORTLAND, OR | $155M | 9.69% to 26.35% | A to C+ |
Download every institution’s change (CSV)
State-by-state table
Click a column heading to sort, or click a state for its movers and healthiest institutions. “Institutions” is every bank and credit union MonitorBankRates tracks in the state; “Healthy” is how many pass all three health tests; Improved and Weakened count institutions whose Texas Ratio moved more than half a point between the two latest quarters.
| State | Institutions | Healthy | Healthy share | Improved | Weakened | Avg Texas Ratio change |
|---|---|---|---|---|---|---|
| Alabama | 191 | 160 | 83.8% | 56 | 51 | +0.40 |
| Alaska | 14 | 14 | 100% | 3 | 4 | +0.02 |
| Arizona | 45 | 39 | 86.7% | 18 | 10 | -0.01 |
| Arkansas | 126 | 109 | 86.5% | 37 | 36 | +0.73 |
| California | 375 | 338 | 90.1% | 98 | 72 | -0.42 |
| Colorado | 135 | 120 | 88.9% | 46 | 30 | -0.49 |
| Connecticut | 99 | 85 | 85.9% | 27 | 19 | +1.38 |
| Delaware | 28 | 26 | 92.9% | 10 | 5 | -0.36 |
| District of Columbia | 39 | 30 | 76.9% | 4 | 12 | +1.17 |
| Florida | 199 | 180 | 90.5% | 59 | 40 | -0.43 |
| Georgia | 204 | 177 | 86.8% | 70 | 52 | +0.17 |
| Hawaii | 52 | 47 | 90.4% | 19 | 3 | -0.51 |
| Idaho | 37 | 35 | 94.6% | 15 | 11 | +0.08 |
| Illinois | 532 | 452 | 85% | 155 | 154 | -0.27 |
| Indiana | 220 | 201 | 91.4% | 69 | 50 | +0.11 |
| Iowa | 300 | 265 | 88.3% | 93 | 83 | +0.37 |
| Kansas | 257 | 217 | 84.4% | 76 | 63 | +0.08 |
| Kentucky | 172 | 153 | 89% | 46 | 61 | +0.67 |
| Louisiana | 251 | 206 | 82.1% | 83 | 65 | -0.13 |
| Maine | 70 | 68 | 97.1% | 27 | 17 | -0.60 |
| Maryland | 94 | 81 | 86.2% | 38 | 19 | -0.40 |
| Massachusetts | 217 | 196 | 90.3% | 68 | 50 | -0.82 |
| Michigan | 258 | 230 | 89.1% | 99 | 43 | -0.39 |
| Minnesota | 310 | 258 | 83.2% | 94 | 94 | +0.40 |
| Mississippi | 118 | 97 | 82.2% | 28 | 34 | +1.55 |
| Missouri | 287 | 245 | 85.4% | 87 | 84 | +1.58 |
| Montana | 78 | 68 | 87.2% | 20 | 22 | +0.58 |
| Nebraska | 193 | 169 | 87.6% | 47 | 58 | +0.58 |
| Nevada | 30 | 25 | 83.3% | 8 | 3 | -0.22 |
| New Hampshire | 31 | 28 | 90.3% | 10 | 12 | -1.21 |
| New Jersey | 183 | 163 | 89.1% | 43 | 52 | +0.30 |
| New Mexico | 67 | 61 | 91% | 23 | 14 | -0.09 |
| New York | 402 | 339 | 84.3% | 121 | 79 | -0.23 |
| North Carolina | 100 | 91 | 91% | 38 | 20 | -0.73 |
| North Dakota | 90 | 83 | 92.2% | 26 | 22 | +0.28 |
| Ohio | 362 | 333 | 92% | 103 | 97 | +1.23 |
| Oklahoma | 225 | 172 | 76.4% | 79 | 68 | +0.97 |
| Oregon | 65 | 53 | 81.5% | 16 | 20 | +0.96 |
| Pennsylvania | 400 | 358 | 89.5% | 103 | 78 | +0.39 |
| Rhode Island | 20 | 19 | 95% | 7 | 4 | 0.00 |
| South Carolina | 88 | 86 | 97.7% | 25 | 10 | -0.75 |
| South Dakota | 89 | 81 | 91% | 15 | 22 | +0.92 |
| Tennessee | 237 | 223 | 94.1% | 75 | 55 | -0.36 |
| Texas | 746 | 667 | 89.4% | 241 | 180 | -0.05 |
| Utah | 98 | 88 | 89.8% | 32 | 19 | -0.19 |
| Vermont | 24 | 20 | 83.3% | 8 | 10 | +1.09 |
| Virginia | 152 | 135 | 88.8% | 54 | 27 | -0.84 |
| Washington | 107 | 102 | 95.3% | 40 | 21 | +17.54 |
| West Virginia | 118 | 110 | 93.2% | 49 | 26 | -0.33 |
| Wisconsin | 259 | 235 | 90.7% | 84 | 62 | +0.05 |
| Wyoming | 43 | 35 | 81.4% | 17 | 14 | -0.63 |
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Free for journalists, researchers, and financial professionals. Citation required, attribution link optional. Cite as MonitorBankRates Bank Health Trends 2026, MonitorBankRates.com.
Texas Ratio changes, latest two quarters (CSV) Healthiest institutions, all states (CSV) State summary (CSV) All MonitorBankRates datasetsThe changes file has one row per bank and credit union with the Texas Ratio, Star Rating and Health Grade at both quarters, the change between them, assets and profile URL. The healthiest institutions file lists every institution passing all three tests, with its Top 100 rank where it has one. The state summary has counts and shares by state. All three refresh quarterly following FDIC and NCUA call report releases.
How this is measured
Sources. Banks: FFIEC call reports as published by the FDIC, quarterly. Credit unions: NCUA Form 5300 call reports, quarterly. Credit union data is published about a quarter later than bank data, which is why the two windows differ.
Texas Ratio. For banks, nonaccrual loans plus loans 90 or more days past due plus other real estate owned, divided by total equity capital. For credit unions, delinquent loans plus foreclosed and repossessed assets, divided by net worth plus the allowance for loan losses. Expressed as a percentage; lower is healthier. Under 15% is healthy; 50% and above is the level usually read as a warning sign.
MonitorBankRates Star Rating and MBR Health Grade. The 1 to 5 Star Rating combines the Texas Ratio with capitalization and, on live profiles, customer feedback; the Health Grade (A+ to F) compounds the Star Rating and Texas Ratio. Historical quarters are recomputed with the current methodology, without member reviews, so every quarter is comparable.
“Healthy” on this page. An institution that passes all three tests on its latest filing: Texas Ratio under 15%, Star Rating 4.5 or higher, A-tier Health Grade. The same three tests decide the MBR Health & Safety Badges. “Share” is institutions passing divided by every bank and credit union we track in the state.
Which institutions are in the change lists. Every institution that filed in both quarters of the window. Movement lists require a change of at least one point. Merged, closed and newly chartered institutions do not appear because they lack one of the two quarters.
What a change means. A ratio can rise because problem loans grew or because capital shrank, and it can fall for the opposite reasons or because an institution charged off or sold troubled assets. The lists are a starting point for a closer look, not a verdict. Ranked lists: 100 Healthiest Small Banks and 100 Healthiest Small Credit Unions.
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