Check Your Institution's Badge Status
Bank or credit union representative? Search for your institution to see your current tier assignment and grab your personalized embed code.
The four-tier badge system
Every small bank and credit union with valid quarterly call-report data is evaluated against our tier criteria. Institutions that qualify automatically display their highest-earned badge on their MonitorBankRates profile page. Institutions are welcome to embed their tier badge on their own website — embed codes for each tier are listed below.
The four tiers, in order of selectivity:
Top 100 Healthiest
The most selective tier. Institutions earning the Top 100 Healthiest badge hold an exclusive ranked position in our annual Healthiest Small Banks or Healthiest Small Credit Unions list, with Texas Ratios typically under 0.20%. Pill text on detail pages reads "Ranked #N Healthiest" and links to the respective Top 100 article.
Exceptional Health
Exceptional Health institutions hit the highest marks across all three of our health signals. They’re not ranked among the Top 100, but they meet the same standard of excellence in star rating, letter grade, and Texas Ratio. Often the difference between an Exceptional Health institution and a Top 100 ranked institution is a single basis point of Texas Ratio.
Verified Strong
The Verified Strong tier identifies institutions with high overall financial strength — perfect star and letter grade scores combined with a Texas Ratio in the “excellent” band (under 5%). These are well-capitalized institutions with very low non-performing loan ratios.
Verified Healthy
The broadest tier, identifying small institutions that are solidly financially healthy across all three measures. Verified Healthy institutions may not hit the perfect-score thresholds of the Exceptional Health and Verified Strong tiers, but they consistently rank in the upper grade bands — financially sound institutions worth including in any depositor’s shortlist.
How institutions qualify
Tier assignment is fully automatic and based on the most recent quarterly call-report data we have on file. Institutions don’t apply for a tier — 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
The MBR Health & Safety Badge program currently evaluates U.S. community banks and credit unions with total assets between $50 million and $500 million. We focus on this tier of institutions because their financial profiles are most directly comparable to one another, allowing fair peer-group benchmarking using Texas Ratio and capitalization metrics. Larger institutions are evaluated separately through MonitorBankRates ratings on their individual profile pages.
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; we evaluate against bands of under 1% (exceptional), under 5% (excellent), and under 15% (strong).
- 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 0–100 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 high badge tier 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 tier assignment list for badges is regenerated annually as part of our Healthiest Small Banks and Healthiest Small Credit Unions ranking cycle.
For institutions: displaying your badge
The embed codes shown for each tier 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.
- The badge designation is for the calendar year shown on the badge. New badges are issued annually with each refresh.
- If your institution moves up or down a tier between annual refreshes, please update your displayed badge accordingly.
Find your institution
Use the search box near the top of this page to look up your institution and confirm your current tier. 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.
