2020 US State Banks

Financial Strength Rankings using Artificial Intelligence

Top rated47 of 189
Best rating29.1 %
Worst rating5.52 %
New companies22
Negative Economic Capital Ratio

County Bancorp Inc climbed 50 positions from 138 to 88 due to its excellent Loans and Leases Receivable.Metropolitan Bank Holding Corp lost 111 positions from 56 to 167 due to its bad Liabilities and Borrowings.Richmond Mutual Bancorporation Inc entered the 2020 ranking at rank 1, making it the best newcomer.The biggest company by assets, Bank Of New York Mellon Corp, is only ranked at place 106 whereas the smallest company, Tectonic Financial Inc, is financially stronger at rank 24.

Revenues8.17 B
Assets2.09 K
Expenses30.3 B
Stockholders Equity248 B
Unprofitable Companies
RankCompanySealRating ValueTrend
1Richmond Mutual Bancorporation Inc29.12%0.0
2Great Southern Bancorp INC17.76%0.0
3Marlin Business Services Corp17.72%-1.0
4Prosperity Bancshares INC17.09%-3.0
5CVB Financial Corp17.02%2.0
6Pacific Premier Bancorp INC16.18%-3.0
7Home Bancshares INC16.11%-1.0
8QCR Holdings INC16.09%16.0
9First Financial Bankshares INC15.52%27.0
10Select Bancorp INC15.40%-6.0
11United Bankshares INC Wv15.37%0.0
12Columbia Banking System INC15.04%-2.0
13Carolina Financial Corp15.00%-1.0
14Renasant Corp14.95%-5.0
15First Choice Bancorp14.94%1.0
16Independent Bank Group Inc14.83%-11.0
17First Community Bankshares INC Va14.44%-6.0
18Independent Bank Corp14.39%32.0
19Great Western Bancorp Inc14.31%-5.0
20Citizens Northern Corp14.23%-12.0
21Veritex Holdings Inc14.15%0.0
22Glacier Bancorp INC14.09%17.0
23Metrocity Bankshares Inc14.04%0.0
24Tectonic Financial Inc13.98%0.0
25Civista Bancshares INC13.98%4.0
26Community West Bancshares13.93%-5.0
27RBB Bancorp13.88%17.0
28Community Trust Bancorp INC Ky13.68%-3.0
29First Bancorp Nc13.54%0.0
30Hilltop Holdings Inc13.51%-11.0
31Trico Bancshares13.49%0.0
32Seacoast Banking Corp Of Florida13.38%16.0
33First Financial Corp In13.35%-16.0
34First MID Bancshares INC13.24%27.0
35Republic Bancorp INC Ky13.21%-9.0
36Allegiance Bancshares Inc13.20%-18.0
37Premier Financial Bancorp INC13.19%3.0
38Southstate Corp13.17%-23.0
39Spirit Of Texas Bancshares Inc13.09%-5.0
40Primis Financial Corp13.06%-2.0
41First Hawaiian INC12.97%12.0
42Atlantic Union Bankshares Corp12.97%-10.0
43Standard AVB Financial Corp12.94%-12.0
44Eagle Bancorp INC12.85%-22.0
45Fifth Third Bancorp12.82%30.0
46Citizens Financial Group INC Ri12.80%-5.0
47United Community Banks INC12.49%21.0
48Byline Bancorp INC12.47%-1.0
49Capstar Financial Holdings Inc12.47%13.0
50First Keystone Corp12.46%39.0
51Commerce Bancshares INC Mo12.43%12.0
521ST Source Corp12.42%2.0
53First Interstate Bancsystem INC12.35%20.0
54Choiceone Financial Services INC12.34%12.0
55Cathay General Bancorp12.33%-20.0
56Iberiabank Corp12.32%-10.0
57Lakeland Financial Corp12.30%22.0
58S T Bancorp INC12.29%-16.0
59RED River Bancshares INC12.29%0.0
60PCB Bancorp12.19%-11.0
61Sb Financial Group INC12.17%-28.0
62Horizon Bancorp INC In12.05%8.0
63German American Bancorp INC12.03%30.0
64Banner Corp11.99%-7.0
65Premier Financial Corp11.93%-7.0
66Southside Bancshares INC11.92%1.0
67Howard Bancorp Inc11.91%4.0
68Sierra Bancorp11.88%26.0
69Auburn National Bancorporation INC11.85%34.0
70Bank Of South Carolina Corp11.80%17.0
71Hills Bancorporation11.76%-7.0
72Baycom Corp11.62%-42.0
73M T Bank Corp11.55%-14.0
74Enterprise Financial Services Corp11.54%7.0
75Western Alliance Bancorporation11.50%-15.0
76Op Bancorp11.46%-33.0
77Mackinac Financial Corp Mi11.40%11.0
78Farmers National Banc Corp Oh11.38%26.0
79Heartland Financial USA INC11.36%-3.0
80Triumph Financial Inc11.30%-53.0
81Mercantile Bank Corp11.28%-1.0
82Bank Of Commerce Holdings11.25%20.0
83Connectone Bancorp Inc11.21%0.0
84Crossfirst Bankshares INC11.19%0.0
85Peoples Bancorp Of North Carolina INC11.15%-3.0
86Randolph Bancorp Inc11.15%4.0
87East West Bancorp INC11.10%-13.0
88County Bancorp Inc11.07%50.0
89Stock Yards Bancorp Inc11.04%-20.0
90Bryn Mawr Bank Corp11.02%-38.0
91Norwood Financial Corp11.02%16.0
92Middlefield Banc Corp10.97%19.0
93Fvcbankcorp Inc10.96%0.0
94Isabella Bank Corp10.92%24.0
95Eagle Bancorp Montana Inc10.89%10.0
96American River Bankshares10.88%12.0
97First Busey Corp Nv10.86%-32.0
98Reliant Bancorp Inc10.85%-14.0
99Skyline Bankshares Inc10.77%22.0
100Parke Bancorp INC10.71%-22.0
101Bridgewater Bancshares Inc10.65%-24.0
102Silvergate Capital Corp10.61%0.0
103Bank7 Corp10.57%-80.0
104Kentucky Bancshares INC Ky10.52%23.0
105Macatawa Bank Corp10.48%12.0
106Bank Of New York Mellon Corp10.43%-21.0
107Investar Holding Corp10.38%18.0
108Community Bankers Trust Corp10.36%20.0
109Equity Bancshares INC10.35%-8.0
110Level One Bancorp Inc10.31%-12.0
111Midwestone Financial Group Inc10.24%-12.0
112Lakeland Bancorp INC10.18%-16.0
113Mutualfirst Financial INC10.14%19.0
114River Financial Corp10.13%2.0
115Prime Meridian Holding Co10.12%-64.0
116Juniata Valley Financial Corp10.11%0.0
117Midland States Bancorp Inc10.10%-11.0
118Citizens Financial Services INC10.09%-3.0
119Mainstreet Bancshares Inc10.06%0.0
120Hancock Whitney Corp10.03%-29.0
121OFG Bancorp10.02%-108.0
122BAR Harbor Bankshares10.01%0.0
123OLD Second Bancorp INC9.93%44.0
124Fb Financial Corp9.87%-27.0
125First Community Corp Sc9.87%-12.0
126Live Oak Bancshares Inc9.82%0.0
127QNB Corp9.78%22.0
128Coastal Financial Corp9.78%-36.0
129Merchants Bancorp9.73%-57.0
130Eagle Financial Services INC9.70%-35.0
131BAY Banks Of Virginia INC9.70%-5.0
132CSB Bancorp Inc9.66%-20.0
133Franklin Financial Services Corp Pa9.62%0.0
134Independent Bank Corp Mi9.61%-25.0
135Servisfirst Bancshares Inc9.58%-6.0
136Summit Financial Group INC9.54%-3.0
137C F Financial Corp9.54%-17.0
138SVB Financial Group9.51%-19.0
139Washington Trust Bancorp INC9.50%-4.0
140First National Corp Va9.50%0.0
141Citizens Holding Co Ms9.49%34.0
142First Us Bancshares INC9.47%0.0
143Oak Valley Bancorp9.45%1.0
144Community Financial Corp Md9.39%3.0
145MID Penn Bancorp INC9.37%-22.0
146Partners Bancorp9.22%0.0
147First Western Financial Inc9.17%-37.0
148Security Federal Corp9.14%12.0
149Unity Bancorp INC Nj9.11%-12.0
150Franklin Financial Network Inc9.06%12.0
151Central Pacific Financial Corp9.04%6.0
152United Bancorp INC Oh9.01%3.0
153First Foundation Inc9.00%-19.0
154Enterprise Bancorp INC Ma8.99%-4.0
155Southwest Georgia Financial Corp8.95%13.0
156Bankwell Financial Group Inc8.85%-17.0
157Investors Bancorp Inc8.83%-71.0
158South Plains Financial INC8.79%0.0
159First Business Financial Services INC8.76%-16.0
160Sb ONE Bancorp8.68%-30.0
161Chemung Financial Corp8.58%-5.0
162Penns Woods Bancorp INC8.58%2.0
163Orrstown Financial Services INC8.52%-5.0
164Customers Bancorp Inc8.43%0.0
165West Bancorporation INC8.34%-12.0
166Colony Bankcorp INC8.31%0.0
167Metropolitan Bank Holding Corp8.26%-111.0
168Community West Bancshares8.24%-16.0
169Union Bankshares INC8.21%-18.0
170Fauquier Bankshares INC8.21%0.0
171Capital City Bank Group INC8.18%-17.0
172Cambridge Bancorp8.17%5.0
173Texas Capital Bancshares INC Tx8.16%-28.0
174Embassy Bancorp Inc8.09%-3.0
175Bank Of THE James Financial Group INC8.03%-6.0
176CNB Financial Corp Pa8.00%-15.0
177Glen Burnie Bancorp7.99%-4.0
178Luther Burbank Corp7.93%-13.0
179Northern Trust Corp7.92%3.0
180First Citizens Bancshares INC De7.87%-32.0
181Guaranty Federal Bancshares INC7.78%-18.0
182Boston Private Financial Holdings INC7.64%-6.0
183Village Bank Trust Financial Corp7.49%-9.0
184Flushing Financial Corp7.38%0.0
185Tristate Capital Holdings Inc7.34%-15.0
186NEW Peoples Bankshares INC6.77%-8.0
187First Internet Bancorp6.70%-15.0
188Uwharrie Capital Corp6.19%-7.0
189Century Bancorp INC5.52%-9.0
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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