2015 US State Banks

Financial Strength Rankings using Artificial Intelligence

Top rated41 of 164
Best rating23.1 %
Worst rating5.67 %
New companies35
Negative Economic Capital Ratio

BAR Harbor Bankshares climbed 65 positions from 130 to 65 due to its excellent Liabilities and Borrowings.BSB Bancorp Inc lost 97 positions from 38 to 135 due to its bad Liabilities and Borrowings.Investors Bancorp Inc entered the 2015 ranking at rank 2, making it the best newcomer.The biggest company by assets, Ally Financial Inc, is only ranked at place 99 whereas the smallest company, Pilgrim Bancshares Inc, is financially stronger at rank 7.

Revenues5.10 B
Assets1.06 K
Expenses8.06 B
Stockholders Equity118 B
Unprofitable Companies
RankCompanySealRating ValueTrend
1Marlin Business Services Corp23.13%0.0
2Investors Bancorp Inc17.23%0.0
3Oritani Financial Corp15.62%0.0
4Triumph Financial Inc15.33%0.0
5Citizens Northern Corp14.84%0.0
6State Bank Financial Corp14.78%-1.0
7Pilgrim Bancshares Inc14.34%0.0
8Prosperity Bancshares INC14.22%0.0
9Surrey Bancorp13.70%0.0
10Republic Bancorp INC Ky13.43%-4.0
11Norwood Financial Corp13.29%12.0
12Columbia Banking System INC13.27%-2.0
13Cathay General Bancorp13.18%-1.0
14Citizens Financial Group INC Ri13.12%0.0
15Southwest Bancorp INC13.00%2.0
16American River Bankshares12.97%-5.0
17Veritex Holdings Inc12.57%0.0
18Peoples Bancorp INC12.26%57.0
19First Financial Corp In12.14%1.0
20Atlantic Union Bankshares Corp12.08%48.0
21Premier Financial Corp12.06%0.0
22OFG Bancorp11.99%36.0
23First Financial Bankshares INC11.95%27.0
241ST Source Corp11.94%-2.0
25Glacier Bancorp INC11.84%4.0
26Independent Bank Group Inc11.76%29.0
27Parke Bancorp INC11.69%7.0
28Southstate Corp11.63%4.0
29Cascade Bancorp11.57%0.0
30Cape Bancorp Inc11.56%-2.0
31Banner Corp11.56%-6.0
32Yadkin Financial Corp11.50%33.0
33Community Trust Bancorp INC Ky11.48%10.0
34Hills Bancorporation11.47%-18.0
35Univest Financial Corp11.45%-16.0
36Connectone Bancorp Inc11.41%0.0
37S T Bancorp INC11.40%0.0
38Citizens Bancshares Corp Ga11.39%0.0
39Wilshire Bancorp INC11.38%-15.0
40Community West Bancshares11.38%0.0
41Renasant Corp11.36%5.0
42First Keystone Corp11.35%47.0
43Choiceone Financial Services INC11.28%-7.0
44Primis Financial Corp11.23%-36.0
45Select Bancorp INC11.08%27.0
46Eagle Financial Services INC11.04%1.0
47Eagle Bancorp INC11.03%9.0
48Central Pacific Financial Corp11.00%0.0
49Mainsource Financial Group10.97%31.0
50Premier Financial Bancorp INC10.93%-35.0
51TWO River Bancorp10.84%-21.0
52Bancorpsouth INC10.83%-8.0
53First Busey Corp Nv10.80%-11.0
54Your Community Bankshares Inc10.75%23.0
55Fifth Third Bancorp10.73%-18.0
56Isabella Bank Corp10.65%23.0
57C1 Financial Inc10.55%0.0
58Penns Woods Bancorp INC10.53%18.0
59Citizens Financial Services INC10.49%-5.0
60Investar Holding Corp10.45%0.0
61Heritage Oaks Bancorp10.41%17.0
62Farmers National Banc Corp Oh10.41%57.0
63Park Sterling Corp10.39%-45.0
64First West Virginia Bancorp INC10.37%0.0
65BAR Harbor Bankshares10.34%65.0
66Eastern Virginia Bankshares INC10.33%0.0
67Mercantile Bank Corp10.22%0.0
68Independent Bank Corp Mi10.21%0.0
69Bankwell Financial Group Inc10.19%0.0
70Lakeland Financial Corp10.18%-8.0
71Midwestone Financial Group Inc10.16%10.0
72Georgetown Bancorp Inc10.16%-1.0
73German American Bancorp INC10.13%31.0
74Security Federal Corp10.11%55.0
75Sb Financial Group INC10.08%37.0
76OLD Line Bancshares INC10.01%-3.0
77Lakeland Bancorp INC9.95%-11.0
78Stock Yards Bancorp Inc9.94%5.0
79FNB Bancorp Ca9.80%-22.0
80Xenith Bankshares Inc9.80%-47.0
81Auburn National Bancorporation INC9.79%58.0
82Oak Valley Bancorp9.59%18.0
83Community Financial Corp Md9.57%-23.0
84Middlefield Banc Corp9.57%56.0
85Bank Of South Carolina Corp9.56%-21.0
86First Farmers Merchants Corp9.56%0.0
87Franklin Financial Services Corp Pa9.56%1.0
88Baylake Corp9.54%13.0
89Servisfirst Bancshares Inc9.51%17.0
90Tristate Capital Holdings Inc9.47%-64.0
91SVB Financial Group9.43%-39.0
92Associated Banc Corp9.42%-52.0
93Hometown Bankshares Corp9.39%3.0
94Peoples Bancorp Of North Carolina INC9.38%48.0
95Commercial Bancshares INC Oh9.36%-21.0
96Commerce Bancshares INC Mo9.35%-3.0
97Independent Bank Corp9.34%-15.0
98Guaranty Federal Bancshares INC9.33%35.0
99Ally Financial Inc9.28%0.0
100Washingtonfirst Bankshares Inc9.19%-5.0
101Southcoast Financial Corp9.17%0.0
1021st Century Bancshares Inc9.13%0.0
103Pacific Premier Bancorp INC9.07%-19.0
104Kentucky Bancshares INC Ky9.04%33.0
105United Bancorp INC Oh9.02%-36.0
106Enterprise Financial Services Corp8.97%5.0
107United Community Banks INC8.97%0.0
108Southeastern Bank Financial Corp8.94%40.0
109First Internet Bancorp8.90%-48.0
110First Community Financial Partners Inc8.90%0.0
111Washington Trust Bancorp INC8.90%-60.0
112Privatebancorp INC8.88%-13.0
113Pacific Financial Corp8.85%-11.0
114C F Financial Corp8.80%3.0
115CSB Bancorp Inc8.76%8.0
116Horizon Bancorp INC In8.74%-18.0
117Community Bankers Trust Corp8.74%-8.0
118Seacoast Banking Corp Of Florida8.69%0.0
119First Community Corp Sc8.65%19.0
120LNB Bancorp INC8.64%5.0
121CNB Financial Corp Pa8.62%31.0
122West Bancorporation INC8.62%-8.0
123Howard Bancorp Inc8.61%-29.0
124Eagle Bancorp Montana Inc8.58%0.0
125Southwest Georgia Financial Corp8.54%-1.0
126Texas Capital Bancshares INC Tx8.53%-41.0
127Mutualfirst Financial INC8.53%9.0
128Mackinac Financial Corp Mi8.45%0.0
129Summit Financial Group INC8.43%6.0
130Flushing Financial Corp8.43%-15.0
131Fauquier Bankshares INC8.41%-11.0
132Metro Bancorp INC8.41%13.0
133Capital City Bank Group INC8.39%-80.0
134First South Bancorp INC Va8.24%-71.0
135BSB Bancorp Inc8.20%-97.0
136OLD Second Bancorp INC8.19%0.0
137QNB Corp8.18%-15.0
138Macatawa Bank Corp8.17%-17.0
139Newbridge Bancorp8.11%0.0
140Fidelity Southern Corp8.08%-53.0
141Homestreet Inc8.02%-14.0
142Embassy Bancorp Inc8.01%-14.0
143Sb ONE Bancorp7.87%-9.0
144Glen Burnie Bancorp7.83%-1.0
145First Business Financial Services INC7.83%-37.0
146PSB Holdings INC Wi7.77%-15.0
147Union Bankshares INC7.75%-61.0
148Heartland Financial USA INC7.72%2.0
149First Citizens Bancshares INC De7.68%-79.0
150First Capital Bancorp INC7.57%-34.0
151Enterprise Bancorp INC Ma7.56%-25.0
152MID Penn Bancorp INC7.47%-5.0
153Bank Of THE James Financial Group INC7.34%1.0
154Carolina Financial Corp7.34%0.0
155Bancorp Of New Jersey Inc7.21%-48.0
156Uwharrie Capital Corp7.11%-10.0
157Chemung Financial Corp7.10%-67.0
158Northern Trust Corp6.93%-26.0
159Carolina Bank Holdings INC6.88%-15.0
160First Foundation Inc6.78%0.0
161Merchants Bancshares INC6.68%-10.0
162Unity Bancorp INC Nj6.34%-7.0
163Customers Bancorp Inc6.01%0.0
164QCR Holdings INC5.67%-7.0
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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