2012 US State Banks

Financial Strength Rankings using Artificial Intelligence

Top rated37 of 151
Best rating84.4 %
Worst rating-6.15 %
New companies144
Negative Economic Capital Ratio

Capitalsource INC climbed -7 positions from 1 to 8 due to its excellent Liabilities and Borrowings.First Citizens Bancshares INC De lost 98 positions from 8 to 106 due to its bad Liabilities and Borrowings.Hilltop Holdings Inc entered the 2012 ranking at rank 1, making it the best newcomer.The biggest company by assets, Ally Financial Inc, is only ranked at place 98 whereas the smallest company, Surrey Bancorp, is financially stronger at rank 21.

Revenues6.86 B
Assets763 B
Expenses9.30 B
Stockholders Equity81.3 B
Unprofitable Companies
RankCompanySealRating ValueTrend
1Hilltop Holdings Inc84.43%0.0
2Marlin Business Services Corp33.22%0.0
3Oritani Financial Corp23.49%0.0
4BSB Bancorp Inc17.05%0.0
5Taylor Calvin B Bankshares INC16.77%0.0
6Standard AVB Financial Corp16.15%0.0
7First Advantage Bancorp16.15%0.0
8Capitalsource INC15.66%-7.0
9Xenith Bankshares Inc15.34%0.0
10Prosperity Bancshares INC15.09%-8.0
11Columbia Banking System INC14.82%0.0
12Eagle Bancorp Montana Inc14.35%0.0
13American River Bankshares14.20%0.0
14State Bank Financial Corp13.64%0.0
151st United Bancorp Inc13.07%0.0
16Penseco Financial Services Corp12.94%0.0
17Cathay General Bancorp12.89%0.0
18First Community Bankshares INC Va12.85%0.0
19Home Bancshares INC12.61%0.0
20Citizens Northern Corp12.41%0.0
21Surrey Bancorp12.33%0.0
22Norwood Financial Corp12.17%0.0
23Premier Financial Corp12.05%0.0
24Bank Of THE Ozarks INC12.00%0.0
25Premier Financial Bancorp INC11.97%0.0
26Stellarone Corp11.92%0.0
27Heritage Oaks Bancorp11.79%0.0
28First California Financial Group Inc11.73%0.0
29Associated Banc Corp11.59%0.0
30Penns Woods Bancorp INC11.55%0.0
31TWO River Bancorp11.45%0.0
32Community West Bancshares11.36%0.0
33Hills Bancorporation11.22%0.0
34Univest Financial Corp11.20%0.0
35Bank Of Commerce Holdings11.16%0.0
36Heritage Bankshares INC Va11.14%0.0
371ST Source Corp11.11%0.0
38S T Bancorp INC11.09%0.0
39Mainsource Financial Group11.07%0.0
40M T Bank Corp11.04%-37.0
41First Financial Corp In11.03%0.0
42CVB Financial Corp11.01%0.0
43Iberiabank Corp10.98%0.0
44First Busey Corp Nv10.92%0.0
45Isabella Bank Corp10.72%0.0
46First West Virginia Bancorp INC10.65%0.0
47SVB Financial Group10.55%0.0
48Oak Valley Bancorp10.53%0.0
49Valley Commerce Bancorp10.50%0.0
50United Bankshares INC Wv10.43%-44.0
51Choiceone Financial Services INC10.42%0.0
52Hopfed Bancorp INC10.36%0.0
53Hancock Whitney Corp10.34%-46.0
54Kentucky Bancshares INC Ky10.32%0.0
55Juniata Valley Financial Corp10.28%0.0
56Peoples Bancorp INC10.28%0.0
57Farmers National Banc Corp Oh10.25%0.0
58Renasant Corp10.25%0.0
59M F Bancorp INC Nc10.08%0.0
60C F Financial Corp9.99%0.0
61Commerce Bancshares INC Mo9.98%-56.0
62Somerset Hills Bancorp9.96%0.0
63First South Bancorp INC Va9.96%0.0
64BAR Harbor Bankshares9.93%0.0
65VSB Bancorp INC9.89%0.0
66Bancorp Of New Jersey Inc9.87%0.0
67Atlantic Union Bankshares Corp9.72%0.0
68Mackinac Financial Corp Mi9.63%0.0
69Washington Banking Co9.62%0.0
70Metrocorp Bancshares Inc9.58%0.0
71Community Trust Bancorp INC Ky9.54%0.0
72Bryn Mawr Bank Corp9.52%0.0
73Georgia Carolina Bancshares Inc9.48%0.0
74Bank Of South Carolina Corp9.40%0.0
75First Interstate Bancsystem INC9.31%0.0
76Chemung Financial Corp9.30%0.0
77Eagle Financial Services INC9.21%0.0
78Firstbank Corp9.20%0.0
79Citizens Financial Services INC9.12%0.0
80Parke Bancorp INC9.10%0.0
81OFG Bancorp9.09%0.0
82Southern Michigan Bancorp INC9.07%0.0
83Croghan Bancshares INC8.99%0.0
84First Bancorp Nc8.96%0.0
85Virginia Commerce Bancorp INC8.88%0.0
86Lakeland Financial Corp8.86%0.0
87Flushing Financial Corp8.84%0.0
88Ameris Bancorp8.83%0.0
89Stock Yards Bancorp Inc8.80%0.0
90Peoples Bancorp Of North Carolina INC8.69%0.0
91Independent Bank Corp8.69%0.0
92Southstate Corp8.65%0.0
93Eagle Bancorp INC8.62%0.0
94Pacific Premier Bancorp INC8.53%0.0
95Washington Trust Bancorp INC8.52%0.0
96Community Bankers Trust Corp8.50%0.0
97First MID Bancshares INC8.48%0.0
98Ally Financial Inc8.48%0.0
99North Valley Bancorp8.47%0.0
100First Bancorp Pr8.43%0.0
101LNB Bancorp INC8.40%0.0
102Bancorpsouth INC8.37%0.0
103Wilshire Bancorp INC8.31%0.0
104Lakeland Bancorp INC8.25%0.0
105Southwest Georgia Financial Corp8.14%0.0
106First Citizens Bancshares INC De8.10%-98.0
107CSB Bancorp Inc8.02%0.0
108Capital City Bank Group INC8.01%0.0
109Newbridge Bancorp7.99%0.0
110Franklin Financial Services Corp Pa7.93%0.0
111Civista Bancshares INC7.91%0.0
112Unity Bancorp INC Nj7.87%0.0
113OLD Line Bancshares INC7.84%0.0
114MVB Financial Corp7.84%0.0
115First Community Corp Sc7.76%0.0
116Enterprise Bancorp INC Ma7.74%0.0
117QNB Corp7.70%0.0
118CNB Financial Corp Pa7.68%0.0
119Trico Bancshares7.66%0.0
120Southside Bancshares INC7.64%0.0
121Auburn National Bancorporation INC7.61%0.0
122Uwharrie Capital Corp7.60%0.0
123PSB Holdings INC Wi7.46%0.0
124BAY Bancorp INC7.45%0.0
125Guaranty Federal Bancshares INC7.43%0.0
126Horizon Bancorp INC In7.23%0.0
127Embassy Bancorp Inc7.18%0.0
128Fauquier Bankshares INC6.98%0.0
129Southeastern Bank Financial Corp6.95%0.0
130Sb ONE Bancorp6.90%0.0
131Union Bankshares INC6.89%0.0
132Baylake Corp6.73%0.0
133MID Penn Bancorp INC6.71%0.0
134Fidelity Southern Corp6.60%0.0
135Merchants Bancshares INC6.52%0.0
136Middlefield Banc Corp6.50%0.0
137QCR Holdings INC6.48%0.0
138Northern Trust Corp6.33%0.0
139Carolina Bank Holdings INC6.06%0.0
140Summit Financial Group INC6.01%0.0
141Customers Bancorp Inc5.95%0.0
142Century Bancorp INC5.33%0.0
143First Business Financial Services INC5.17%0.0
144Yadkin Financial Corp5.12%0.0
145Community West Bancshares4.77%0.0
146First National Corp Va3.45%0.0
147United Community Banks INC3.32%0.0
148Highlands Bankshares INC Va2.56%0.0
149Republic First Bancorp INC2.55%0.0
150Southcoast Financial Corp1.83%0.0
151Hcsb Financial Corp-6.15%0.0
RankCompanySealRating ValueTrend

Feature Distribution Plot

The Feature Distribution shows the main industry variables and the distribution of their impact on financial strength. The more important a variable, the broader the distribution. As the effects are calculated relative to the industry average, half of the companies have a positive effect (green) and half have a negative effect (red). 


Regression Plot

The Regression compares the forecasted company valuation with the observed stock market values. A positive correlation suggests that the model effectively explains market prices.


Feature Importance


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