2021 US State Banks

Financial Strength Rankings using Artificial Intelligence

Top rated45 of 181
Best rating37.1 %
Worst rating4.32 %
New companies8
Negative Economic Capital Ratio

South Plains Financial INC climbed 92 positions from 158 to 66 due to its excellent Assets and Securities.Silvergate Capital Corp lost 75 positions from 102 to 177 due to its bad Loans and Leases Receivable.Bm Technologies Inc entered the 2021 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 103 whereas the smallest company, Bm Technologies Inc, is financially stronger at rank 1.

Revenues7.88 B
Assets2.48 K
Expenses30.3 B
Stockholders Equity261 B
Unprofitable Companies
RankCompanySealRating ValueTrend
1Bm Technologies Inc37.11%0.0
2Prosperity Bancshares INC17.14%2.0
3Richmond Mutual Bancorporation Inc16.67%-2.0
4First Financial Bankshares INC16.03%5.0
5QCR Holdings INC15.10%3.0
6Randolph Bancorp Inc14.78%80.0
7Home Bancshares INC14.72%0.0
8United Bankshares INC Wv14.00%3.0
9Columbia Banking System INC13.80%3.0
10Independent Bank Group Inc13.22%6.0
11CVB Financial Corp12.95%-6.0
12Renasant Corp12.78%2.0
13Veritex Holdings Inc12.77%8.0
14Premier Financial Bancorp INC12.71%23.0
15Southside Bancshares INC12.63%51.0
16First Financial Corp In12.60%17.0
17Seacoast Banking Corp Of Florida12.54%15.0
18Glacier Bancorp INC12.50%4.0
19Premier Financial Corp12.49%46.0
20Atlantic Union Bankshares Corp12.28%22.0
21Metrocity Bankshares Inc12.26%2.0
22First Community Bankshares INC Va12.21%-5.0
23Civista Bancshares INC12.10%2.0
24Standard AVB Financial Corp12.08%19.0
25Pacific Premier Bancorp INC12.06%-19.0
26Community Trust Bancorp INC Ky12.05%2.0
27First Keystone Corp12.01%23.0
28Tectonic Financial Inc11.95%-4.0
29Independent Bank Corp11.91%-11.0
30Republic Bancorp INC Ky11.89%5.0
31Community West Bancshares11.88%-5.0
32Cathay General Bancorp11.88%23.0
33Citizens Northern Corp11.83%-13.0
34RBB Bancorp11.74%-7.0
35Allegiance Bancshares Inc11.72%1.0
36First Choice Bancorp11.60%-21.0
37Eagle Bancorp Montana Inc11.58%58.0
38First Bancorp Nc11.51%-9.0
39German American Bancorp INC11.47%24.0
40Byline Bancorp INC11.43%8.0
41Primis Financial Corp11.43%-1.0
42Horizon Bancorp INC In11.37%20.0
431ST Source Corp11.31%9.0
44First Hawaiian INC11.22%-3.0
45Choiceone Financial Services INC11.21%9.0
46Trico Bancshares11.20%-15.0
47First MID Bancshares INC11.19%-13.0
48PCB Bancorp11.16%12.0
49Lakeland Financial Corp11.13%8.0
50Connectone Bancorp Inc11.13%33.0
51Citizens Financial Group INC Ri11.10%-5.0
52Select Bancorp INC11.07%-42.0
53Triumph Financial Inc11.06%27.0
54Great Southern Bancorp INC10.96%-52.0
55Hills Bancorporation10.91%16.0
56Heartland Financial USA INC10.87%23.0
57Fifth Third Bancorp10.80%-12.0
58S T Bancorp INC10.79%0.0
59Sb Financial Group INC10.79%2.0
60Spirit Of Texas Bancshares Inc10.78%-21.0
61Auburn National Bancorporation INC10.74%8.0
62Bank7 Corp10.69%41.0
63Eagle Bancorp INC10.60%-19.0
64Farmers National Banc Corp Oh10.56%14.0
65United Community Banks INC10.48%-18.0
66South Plains Financial INC10.38%92.0
67Commerce Bancshares INC Mo10.34%-16.0
68RED River Bancshares INC10.31%-9.0
69Capstar Financial Holdings Inc10.28%-20.0
70BAR Harbor Bankshares10.26%52.0
71Bryn Mawr Bank Corp10.25%19.0
72Banner Corp10.22%-8.0
73American River Bankshares10.22%23.0
74Mackinac Financial Corp Mi10.19%3.0
75First Busey Corp Nv10.16%22.0
76Enterprise Financial Services Corp10.15%-2.0
77Baycom Corp10.13%-5.0
78Isabella Bank Corp10.12%16.0
79OFG Bancorp10.06%42.0
80Bank Of South Carolina Corp10.01%-10.0
81Reliant Bancorp Inc9.90%17.0
82Southstate Corp9.89%-44.0
83Citizens Financial Services INC9.86%35.0
84First Interstate Bancsystem INC9.84%-31.0
85Norwood Financial Corp9.77%6.0
86Sierra Bancorp9.75%-18.0
87Community Bankers Trust Corp9.75%21.0
88Op Bancorp9.70%-12.0
89County Bancorp Inc9.68%-1.0
90First Foundation Inc9.64%63.0
91Crossfirst Bankshares INC9.61%-7.0
92East West Bancorp INC9.57%-5.0
93Parke Bancorp INC9.45%7.0
94First Community Corp Sc9.44%31.0
95Mainstreet Bancshares Inc9.43%24.0
96Investors Bancorp Inc9.38%61.0
97Stock Yards Bancorp Inc9.36%-8.0
98M T Bank Corp9.36%-25.0
99Independent Bank Corp Mi9.32%35.0
100Bank Of Commerce Holdings9.31%-18.0
101Investar Holding Corp9.25%6.0
102Franklin Financial Services Corp Pa9.25%31.0
103Bank Of New York Mellon Corp9.24%3.0
104Security Federal Corp9.21%44.0
105Univest Financial Corp9.19%0.0
106F M Bank Corp9.10%0.0
107Lakeland Bancorp INC9.10%5.0
108Peoples Bancorp Of North Carolina INC9.09%-23.0
109OLD Second Bancorp INC9.08%14.0
110Howard Bancorp Inc9.03%-43.0
111Mercantile Bank Corp9.01%-30.0
112Washington Trust Bancorp INC9.00%27.0
113Middlefield Banc Corp9.00%-21.0
114QNB Corp8.91%13.0
115Eagle Financial Services INC8.81%15.0
116Merchants Bancorp8.80%13.0
117C F Financial Corp8.75%20.0
118Macatawa Bank Corp8.72%-13.0
119Community Financial Corp Md8.69%25.0
120River Financial Corp8.69%-6.0
121First National Corp Va8.56%19.0
122Juniata Valley Financial Corp8.53%-6.0
123Orrstown Financial Services INC8.46%40.0
124Cambridge Bancorp8.45%48.0
125Bridgewater Bancshares Inc8.45%-24.0
126Prime Meridian Holding Co8.44%-11.0
127Unity Bancorp INC Nj8.44%22.0
128Community West Bancshares8.36%40.0
129Level One Bancorp Inc8.26%-19.0
130CSB Bancorp Inc8.24%2.0
131Servisfirst Bancshares Inc8.19%4.0
132Summit Financial Group INC8.17%4.0
133Oak Valley Bancorp8.11%10.0
134Penns Woods Bancorp INC8.11%28.0
135Midwestone Financial Group Inc8.09%-24.0
136CNB Financial Corp Pa8.08%40.0
137First Us Bancshares INC8.08%5.0
138Luther Burbank Corp7.94%40.0
139Enterprise Bancorp INC Ma7.90%15.0
140Partners Bancorp7.87%6.0
141Hancock Whitney Corp7.85%-21.0
142First Western Financial Inc7.71%5.0
143Chemung Financial Corp7.64%18.0
144Glen Burnie Bancorp7.61%33.0
145Fb Financial Corp7.57%-21.0
146Central Pacific Financial Corp7.52%5.0
147Western Alliance Bancorporation7.52%-72.0
148SVB Financial Group7.48%-10.0
149First Citizens Bancshares INC De7.47%31.0
150Union Bankshares INC7.36%19.0
151Embassy Bancorp Inc7.35%23.0
152MID Penn Bancorp INC7.34%-7.0
153Metropolitan Bank Holding Corp7.33%14.0
154Origin Bancorp Inc7.32%0.0
155Village Bank Trust Financial Corp7.26%28.0
156First Business Financial Services INC7.23%3.0
157Bank Of THE James Financial Group INC7.19%18.0
158Bancplus Corp7.12%0.0
159Fauquier Bankshares INC7.07%11.0
160Citizens Holding Co Ms7.06%-19.0
161Guaranty Federal Bancshares INC6.95%20.0
162Coastal Financial Corp6.88%-34.0
163Boston Private Financial Holdings INC6.81%19.0
164Uwharrie Capital Corp6.77%24.0
165NEW Peoples Bankshares INC6.73%21.0
166Northern Trust Corp6.67%13.0
167Flushing Financial Corp6.67%17.0
168Tristate Capital Holdings Inc6.64%17.0
169Colony Bankcorp INC6.59%-3.0
170Equity Bancshares INC6.40%-61.0
171Texas Capital Bancshares INC Tx6.37%2.0
172First Internet Bancorp6.33%15.0
173West Bancorporation INC6.26%-8.0
174Bankwell Financial Group Inc6.26%-18.0
175California Bancorp6.04%0.0
176Customers Bancorp Inc5.62%-12.0
177Silvergate Capital Corp5.43%-75.0
178Century Bancorp INC5.33%11.0
179Capital City Bank Group INC4.90%-8.0
180Republic First Bancorp INC4.67%0.0
181Hv Bancorp Inc4.32%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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