MBR Health & Safety Badges (2026)

200

Top 100 Ranked (100 Banks, 100 Credit Unions)

7,584

Verified Healthy

8,500+

Institutions Evaluated

Health Signals Tested

Check Your Institution's Badge Status

Bank or credit union representative? Search for your institution to see whether it earned a Q2 2026 badge and grab your personalized embed code.

Results

After finding your institution, scroll to the bottom of its profile page for the personalized embed code that links the badge back to your specific MBR profile.

Where the healthiest institutions are

Every state coloured by the share of its banks and credit unions that earned a Q2 2026 badge. Hover a state for its counts; click through for that state’s full list of badged institutions. Nationally, 7,767 of the 8,891 institutions we track (87.4%) hold a badge.

90.4% or more 89% to 90.3% 87.5% to 88.9% 84.1% to 87.4% Under 84.1%

Share = institutions holding a Q2 2026 Top 100 Healthiest or Verified Healthy badge, divided by all banks and credit unions MonitorBankRates tracks in the state. Hover for counts; click a state for its list.

Free to reuse with the citation shown on the image.

See the full state-by-state table, download the dataset, and embed the map

Two badges, one standard

Every small bank and credit union with valid quarterly call-report data is tested against the same three health signals. Institutions that pass automatically display their badge on their MonitorBankRates profile page and are welcome to embed it on their own website. The embed codes are below.

Top 100 Healthiest

200 institutions (100 banks + 100 credit unions)

Criteria: Ranked among the top 100 small banks or top 100 small credit unions by Texas Ratio in our quarterly rankings. View the full lists: Top 100 Credit Unions · Top 100 Banks.

The most selective recognition. Institutions earning the Top 100 Healthiest badge hold a ranked position in our Healthiest Small Banks or Healthiest Small Credit Unions list, with Texas Ratios typically under 0.20%. Their profile pages read “Ranked #N Healthiest” and link to the ranking article.

Embed code (Top 100 institutions link to the relevant ranking article)

<a href="https://www.monitorbankrates.com/100-healthiest-small-banks/">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026-q2.svg"
       alt="Ranked in MonitorBankRates Top 100 Healthiest Small Banks Q2 2026"
       width="160" height="160">
</a>

Verified Healthy

7,584 institutions (3,623 banks + 3,961 credit unions)

Criteria: 4.5 or higher MBR Star Rating, A-tier Health Grade (A+, A, or A-), and Texas Ratio below 15.00%.

Verified Healthy is a pass/fail standard, not a ranking: an institution either meets all three thresholds on its latest call report or it does not. Most Verified Healthy institutions clear the bar by a wide margin (the majority carry a 5.0 Star Rating, an A+ Health Grade and a Texas Ratio under 5%), and the exact figures for each institution are published on its MonitorBankRates profile page, where the badge links, so depositors can see the numbers behind it.

Embed code

<a href="https://www.monitorbankrates.com/mbr-health-badges/">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

How institutions qualify

Badge status is fully automatic and based on the most recent quarterly call-report data we have on file. Institutions don’t apply; they earn it through their financial metrics. If your institution meets the criteria above and you don’t yet see a badge on your MonitorBankRates profile page, please contact us with your FDIC certificate number or NCUA charter number and we’ll review for inclusion.

Program scope

Verified Healthy is open to every U.S. bank and credit union MonitorBankRates tracks, from the smallest community institution to the largest national bank. The three tests are the same at every size, so a badge means the same thing wherever it appears.

Top 100 Healthiest is limited to community banks and credit unions with total assets between $50 million and $500 million. Institutions in that range have directly comparable financial profiles, which makes a ranked list fair, and it gives smaller institutions a recognition that larger ones rarely leave room for. A larger institution with an excellent Texas Ratio still earns Verified Healthy; it is not ranked in the Top 100.

Three signals of financial health

Each tier evaluates the same three independent measures of an institution’s financial health:

Texas Ratio: the industry-standard ratio of non-performing loans plus other real estate owned to capital plus loan loss reserves. Lower is healthier; Verified Healthy requires a ratio below 15%, and the Top 100 lists are ranked on it directly.
MonitorBankRates Star Rating: our proprietary 1-to-5 score combining Texas Ratio, capitalization, and customer feedback. A 5.0 indicates the strongest tier of overall health; 4.5+ indicates very strong.
MBR Health Grade: our 0 to 100 letter grade compounding star rating and Texas Ratio. A+ requires 97+ points; A-tier (A+, A, A-) covers institutions scoring 90+.

Together these three measures give a fuller picture than any single number. An institution earning a badge is healthy across all three.

Data sources and refresh cadence

Source data is each institution’s quarterly federal call report:

Banks: FFIEC Call Report (Form 031, 041, or 051), filed quarterly with the FDIC, OCC, or Federal Reserve.
Credit unions: NCUA Form 5300, filed quarterly with the National Credit Union Administration.

Texas Ratio and underlying financial data on individual institution profile pages are refreshed each quarter as new call reports are filed. The badge list and both Top 100 rankings are regenerated each quarter, after the new call report data is loaded.

Important disclaimer: The MBR Health & Safety Badge program is informational only and not investment, banking, or financial advice. Texas Ratio is a snapshot measure of one aspect of institutional health and does not predict failure or guarantee future performance. FDIC and NCUA insurance protect deposits up to $250,000 per depositor, per ownership category, at every federally insured bank or credit union, regardless of badge status or position on any list.

For institutions: displaying your badge

Recommended: For the best badge implementation, visit your institution’s profile page on MonitorBankRates and use the personalized embed code shown there. The personalized version links the badge back to your specific profile page on MBR, so visitors clicking the badge land on independent verification of your financial health metrics. Find your institution

The embed codes shown above are generic versions: they link to this methodology page rather than your specific profile. They’re useful as a fallback or for general program references, but the personalized embed (available on your profile page) is the better implementation. A few rules either way:

The badge must link back to MonitorBankRates, either to your profile page (personalized version), this methodology page (generic version), or the Top 100 ranking article (Top 100 Healthiest institutions only).
You may resize the badge as long as you maintain the aspect ratio. The SVG format scales cleanly at any size.
Each badge shows the quarter it was earned, for example Q2 2026. Badge status is re-tested every quarter; when a new quarter is published, update your embed code to that quarter’s badge, which is shown on your profile page.
If your institution no longer meets the criteria at the next quarterly refresh, please remove the badge; if it moves into the Top 100, update to the Top 100 badge.

Find your institution

Use the search box near the top of this page to look up your institution and confirm its badge status. You can also browse our bank directory or credit union directory. If your institution qualifies for a badge, it will be displayed in the hero section of your profile page, with a copy-paste embed code section just below the FDIC or NCUA data block.

Related rankings

100 Healthiest Small Credit Unions 2026: the full ranked list of credit unions.
100 Healthiest Small Banks 2026: the full ranked list of banks.