2016 US State Banks

Financial Strength Rankings using Artificial Intelligence

Top rated44 of 177
Best rating19.1 %
Worst rating4.99 %
New companies27
Negative Economic Capital Ratio

Carolina Financial Corp climbed 62 positions from 154 to 92 due to its excellent Loans and Leases Receivable.Your Community Bankshares Inc lost 107 positions from 54 to 161 due to its bad Liabilities and Borrowings.Melrose Bancorp Inc entered the 2016 ranking at rank 2, making it the best newcomer.

Revenues5.49 B
Assets1.55 K
Expenses10.1 B
Stockholders Equity161 B
Unprofitable Companies
RankCompanySealRating ValueTrend
1Marlin Business Services Corp19.05%0.0
2Melrose Bancorp Inc17.37%0.0
3Blue Hills Bancorp Inc16.22%0.0
4Triumph Financial Inc15.25%0.0
5Bank Of THE Ozarks INC14.44%0.0
6Oritani Financial Corp14.43%-3.0
7Investors Bancorp Inc14.35%-5.0
8Citizens Northern Corp14.15%-3.0
9Surrey Bancorp13.93%0.0
10Great Western Bancorp Inc13.85%0.0
11State Bank Financial Corp13.78%-5.0
12Pilgrim Bancshares Inc13.13%-5.0
13County Bancorp Inc12.86%0.0
14First Financial Corp In12.81%5.0
15Columbia Banking System INC12.67%-3.0
16Citizens Financial Group INC Ri12.58%-2.0
17Cathay General Bancorp12.29%-4.0
18Cascade Bancorp12.26%11.0
19Republic Bancorp INC Ky12.24%-9.0
20American River Bankshares12.24%-4.0
21Norwood Financial Corp12.10%-10.0
22Northeast Bancorp Me11.97%0.0
23Renasant Corp11.81%18.0
24BAY Bancorp INC11.73%0.0
25Parke Bancorp INC11.66%2.0
26Atlantic Union Bankshares Corp11.64%-6.0
27First Financial Bankshares INC11.63%-4.0
28Banner Corp11.58%3.0
29Eagle Bancorp INC11.53%18.0
30S T Bancorp INC11.52%7.0
31Hills Bancorporation11.51%3.0
32Select Bancorp INC11.50%13.0
33Southstate Corp11.49%-5.0
34Veritex Holdings Inc11.45%-17.0
351ST Source Corp11.45%-11.0
36Yadkin Financial Corp11.40%-4.0
37Community Trust Bancorp INC Ky11.38%-4.0
38Univest Financial Corp11.38%-3.0
39Premier Financial Corp11.33%-18.0
40Choiceone Financial Services INC11.33%3.0
41First Us Bancshares INC11.31%0.0
42Southwest Bancorp INC11.20%-27.0
43Independent Bank Group Inc11.14%-17.0
44Peoples Bancorp INC11.13%-26.0
45Citizens Bancshares Corp Ga11.11%-7.0
46Eagle Financial Services INC11.01%0.0
47Bryn Mawr Bank Corp11.00%0.0
48Glacier Bancorp INC10.99%-23.0
49Bancorpsouth INC10.95%3.0
50Connectone Bancorp Inc10.85%-14.0
51Premier Financial Bancorp INC10.77%-1.0
52Primis Financial Corp10.76%-8.0
53Wilshire Bancorp INC10.70%-14.0
54Mercantile Bank Corp10.55%13.0
55C1 Financial Inc10.53%2.0
56Fifth Third Bancorp10.41%-1.0
57Mainsource Financial Group10.39%-8.0
58Sb Financial Group INC10.21%17.0
59Bear State Financial INC10.20%0.0
60German American Bancorp INC10.14%13.0
61Isabella Bank Corp10.11%-5.0
62Security Federal Corp10.06%12.0
63Park Sterling Corp10.00%0.0
64Franklin Financial Services Corp Pa9.85%23.0
65First Keystone Corp9.84%-23.0
66Lakeland Financial Corp9.84%4.0
67Community West Bancshares9.84%0.0
68Heritage Oaks Bancorp9.79%-7.0
69Pacific Premier Bancorp INC9.79%34.0
70Independent Bank Corp9.76%27.0
71Commercial Bancshares INC Oh9.76%24.0
72Stock Yards Bancorp Inc9.70%6.0
73Sierra Bancorp9.68%0.0
74TWO River Bancorp9.65%-23.0
75Citizens Financial Services INC9.52%-16.0
76Washingtonfirst Bankshares Inc9.50%24.0
77Cape Bancorp Inc9.45%-47.0
78Independent Bank Corp Mi9.44%-10.0
79Penns Woods Bancorp INC9.43%-21.0
80United Community Banks INC9.42%27.0
81Southcoast Financial Corp9.42%20.0
82Lakeland Bancorp INC9.39%-5.0
83Georgetown Bancorp Inc9.38%-11.0
84Investar Holding Corp9.37%-24.0
85Washington Trust Bancorp INC9.36%26.0
86Mackinac Financial Corp Mi9.28%42.0
87Peoples Bancorp Of North Carolina INC9.28%7.0
88Baylake Corp9.27%0.0
89Bank Of South Carolina Corp9.27%-4.0
90Guaranty Federal Bancshares INC9.25%8.0
91United Bancorp INC Oh9.20%14.0
92Carolina Financial Corp9.19%62.0
93Privatebancorp INC9.18%19.0
94Hancock Whitney Corp9.17%0.0
95First Community Financial Partners Inc9.14%15.0
96Farmers National Banc Corp Oh9.12%-34.0
97Orrstown Financial Services INC9.07%0.0
98Enterprise Financial Services Corp9.05%8.0
99Horizon Bancorp INC In8.99%17.0
100Midwestone Financial Group Inc8.98%-29.0
101Auburn National Bancorporation INC8.97%-20.0
102River Financial Corp8.93%0.0
103Commerce Bancshares INC Mo8.88%-7.0
104Atlantic Capital Bancshares Inc8.87%0.0
105Summit Financial Group INC8.85%24.0
106First MID Bancshares INC8.85%0.0
107Seacoast Banking Corp Of Florida8.83%11.0
108Bankwell Financial Group Inc8.82%-39.0
109BAR Harbor Bankshares8.80%-44.0
110Tristate Capital Holdings Inc8.79%-20.0
111Central Pacific Financial Corp8.78%-63.0
112Eastern Virginia Bankshares INC8.78%-46.0
113Bank Of New York Mellon Corp8.71%0.0
114Hometown Bankshares Corp8.70%-21.0
115First Foundation Inc8.68%45.0
116CSB Bancorp Inc8.66%-1.0
117Community West Bancshares8.66%-77.0
118Homestreet Inc8.59%23.0
119Southeastern Bank Financial Corp8.58%-11.0
120First Farmers Merchants Corp8.58%-34.0
121First Busey Corp Nv8.57%-68.0
122OLD Line Bancshares INC8.55%-46.0
123Xenith Bankshares Inc8.53%-43.0
124Servisfirst Bancshares Inc8.47%-35.0
125C F Financial Corp8.42%-11.0
126Mutualfirst Financial INC8.39%1.0
127West Bancorporation INC8.37%-5.0
128Capital City Bank Group INC8.36%5.0
129Ameris Bancorp8.35%0.0
130FNB Bancorp Ca8.34%-51.0
131CNB Financial Corp Pa8.27%-10.0
132First Priority Financial Corp8.26%0.0
133Kentucky Bancshares INC Ky8.19%-29.0
134First Community Corp Sc8.18%-15.0
135Howard Bancorp Inc8.18%-12.0
136Bank Of THE James Financial Group INC8.17%17.0
137Bank Of Commerce Holdings8.15%0.0
138Bancorp Of New Jersey Inc8.13%17.0
139First Citizens Bancshares INC De8.12%10.0
140Union Bankshares INC8.09%7.0
141Citizens Independent Bancorp Inc8.08%0.0
142QNB Corp8.07%-5.0
143Macatawa Bank Corp7.96%-5.0
144Carolina Bank Holdings INC7.91%15.0
145Middlefield Banc Corp7.86%-61.0
146First Business Financial Services INC7.84%-1.0
147Southside Bancshares INC7.84%0.0
148Embassy Bancorp Inc7.83%-6.0
149Southwest Georgia Financial Corp7.80%-24.0
150Texas Capital Bancshares INC Tx7.79%-24.0
151QCR Holdings INC7.78%13.0
152Heartland Financial USA INC7.74%-4.0
153Community Financial Corp Md7.71%-70.0
154Oak Valley Bancorp7.65%-72.0
155Ally Financial Inc7.64%-56.0
1561st Century Bancshares Inc7.58%-54.0
157Flushing Financial Corp7.54%-27.0
158First South Bancorp INC Va7.52%-24.0
159Glen Burnie Bancorp7.39%-15.0
160Chemung Financial Corp7.37%-3.0
161Your Community Bankshares Inc7.36%-107.0
162First Internet Bancorp7.33%-53.0
163MVB Financial Corp7.23%0.0
164Enterprise Bancorp INC Ma7.07%-13.0
165Sb ONE Bancorp6.95%-22.0
166BSB Bancorp Inc6.95%-31.0
167Northern Trust Corp6.86%-9.0
168MID Penn Bancorp INC6.86%-16.0
169Uwharrie Capital Corp6.79%-13.0
170SVB Financial Group6.78%-79.0
171Unity Bancorp INC Nj6.71%-9.0
172OLD Second Bancorp INC6.60%-36.0
173Merchants Bancshares INC6.53%-12.0
174NEW Peoples Bankshares INC6.36%0.0
175Customers Bancorp Inc5.94%-12.0
176SBT Bancorp Inc5.72%0.0
177Century Bancorp INC4.99%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


United States Ratings

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