2022 US Savings

Financial Strength Rankings using Artificial Intelligence

Top rated	26 of 104
Best rating	107 %
Worst rating	-245 %
New companies	23
Negative Economic Capital Ratio

Kentucky First Federal Bancorp climbed 43 positions from 77 to 34 due to its excellent Loans.FARMERS & MERCHANTS BANCORP INC lost 43 positions from 33 to 76 due to its bad Deposits.Open Lending Corp entered the 2022 ranking at rank 2, making it the best newcomer.

Revenues	30.9 B
Assets	8.27 K
Expenses	51.2 B
Stockholders Equity	210 B
Unprofitable Companies

Rank	Company	Seal	Rating Value	Trend
1	SWK Holdings Corp		107.05%	1.0
2	Open Lending Corp		94.25%	0.0
3	LESAKA TECHNOLOGIES INC		67.28%	0.0
4	NICHOLAS FINANCIAL INC		42.60%	1.0
5	WORLD ACCEPTANCE CORP		38.67%	0.0
6	Enova International Inc.		36.21%	-2.0
7	CREDIT ACCEPTANCE CORP		30.45%	-1.0
8	LendingTree Inc.		27.63%	5.0
9	Affirm Holdings Inc.		24.23%	0.0
10	ENCORE CAPITAL GROUP INC		23.87%	-3.0
11	Atlanticus Holdings Corp		22.62%	-1.0
12	Guild Holdings Co		18.96%	0.0
13	Rocket Companies Inc.		18.60%	6.0
14	Regional Management Corp.		17.45%	-3.0
15	Cullman Bancorp Inc. MD		16.85%	0.0
16	AMERICAN HONDA FINANCE CORP		16.32%	-1.0
17	PennyMac Financial Services Inc.		15.89%	5.0
18	William Penn Bancorporation		15.70%	0.0
19	FFBW Inc. MD		15.55%	-11.0
20	EURONET WORLDWIDE INC.		15.06%	-11.0
21	UWM Holdings Corp		15.06%	-20.0
22	Waterstone Financial Inc.		14.19%	-8.0
23	TC Bancshares Inc.		13.79%	0.0
24	OneMain Holdings Inc.		13.77%	-4.0
25	PACCAR FINANCIAL CORP		13.39%	-1.0
26	NorthEast Community Bancorp Inc. MD		12.52%	0.0
27	Discover Financial Services		11.60%	32.0
28	Bogota Financial Corp.		10.65%	-2.0
29	Blue Foundry Bancorp		10.54%	0.0
30	Mid-Southern Bancorp Inc.		10.41%	-13.0
31	Cincinnati Bancorp Inc.		10.02%	-8.0
32	Oconee Federal Financial Corp.		9.37%	-7.0
33	Affinity Bancshares Inc.		9.28%	38.0
34	Kentucky First Federal Bancorp		8.97%	43.0
35	Texas Community Bancshares Inc.		8.89%	0.0
36	PCSB Financial Corp		8.81%	-7.0
37	Kearny Financial Corp.		8.61%	-9.0
38	Northfield Bancorp Inc.		8.49%	-8.0
39	Marathon Bancorp Inc. MD		8.23%	0.0
40	Provident Bancorp Inc. MD		8.23%	-13.0
41	FORD MOTOR CREDIT CO LLC		8.16%	22.0
42	Home Point Capital Inc.		8.07%	0.0
43	Eastern Bankshares Inc.		8.01%	-25.0
44	PB Bankshares Inc.		7.99%	0.0
45	FLAGSTAR BANCORP INC		7.79%	23.0
46	TOYOTA MOTOR CREDIT CORP		7.79%	2.0
47	PROVIDENT FINANCIAL SERVICES INC		7.78%	-13.0
48	Capitol Federal Financial Inc.		7.75%	0.0
49	Magyar Bancorp Inc.		7.63%	31.0
50	HOME BANCORP INC.		7.58%	-13.0
51	Shepherd’s Finance LLC		7.49%	36.0
52	CNH Industrial Capital LLC		7.47%	2.0
53	Territorial Bancorp Inc.		7.43%	-12.0
54	FS Bancorp Inc.		7.35%	-22.0
55	DEERE JOHN CAPITAL CORP		7.33%	-3.0
56	SOUTHERN MISSOURI BANCORP INC.		7.32%	0.0
57	LAKE SHORE BANCORP INC.		7.32%	-21.0
58	HERITAGE FINANCIAL CORP WA		7.28%	-23.0
59	TIMBERLAND BANCORP INC		7.21%	-21.0
60	First Savings Financial Group Inc.		7.20%	-11.0
61	BROOKLINE BANCORP INC		7.20%	1.0
62	Sterling Bancorp Inc.		7.17%	20.0
63	ESSA Bancorp Inc.		6.93%	3.0
64	Third Coast Bancshares Inc.		6.90%	0.0
65	STANDARD PREMIUM FINANCE HOLDINGS INC.		6.80%	0.0
66	NSTS Bancorp Inc.		6.61%	0.0
67	Generations Bancorp NY Inc.		6.61%	0.0
68	BROADWAY FINANCIAL CORP \DE\		6.43%	5.0
69	HomeTrust Bancshares Inc.		6.42%	-12.0
70	Sound Financial Bancorp Inc.		6.38%	0.0
71	Citizens Community Bancorp Inc.		6.37%	-6.0
72	WVS FINANCIAL CORP		6.27%	-12.0
73	BERKSHIRE HILLS BANCORP INC		6.16%	17.0
74	BCB BANCORP INC		6.10%	-5.0
75	HMN FINANCIAL INC		6.02%	-25.0
76	FARMERS & MERCHANTS BANCORP INC		6.02%	-43.0
77	Esquire Financial Holdings Inc.		6.01%	-35.0
78	IF Bancorp Inc.		5.97%	-33.0
79	First Northwest Bancorp		5.78%	-36.0
80	FIRST CAPITAL INC		5.77%	-41.0
81	Home Federal Bancorp Inc. of Louisiana		5.76%	-17.0
82	BankUnited Inc.		5.74%	-7.0
83	UMPQUA HOLDINGS CORP		5.72%	0.0
84	NORTHRIM BANCORP INC		5.69%	-38.0
85	SALISBURY BANCORP INC.		5.66%	-24.0
86	Finward Bancorp		5.65%	-42.0
87	Western New England Bancorp Inc.		5.54%	-17.0
88	Korth Direct Mortgage Inc.		5.53%	-3.0
89	BankFinancial CORP		5.30%	-31.0
90	PLUMAS BANCORP		5.28%	0.0
91	NATIONAL RURAL UTILITIES COOPERATIVE FINANCE CORP DC		5.23%	0.0
92	NELNET INC		5.19%	-11.0
93	Farmers & Merchants Bancshares Inc.		4.89%	-14.0
94	First Guaranty Bancshares Inc.		4.77%	-16.0
95	CODORUS VALLEY BANCORP INC		4.68%	-23.0
96	GREENE COUNTY BANCORP INC		4.61%	-22.0
97	FIRST NORTHERN COMMUNITY BANCORP		4.41%	-30.0
98	QUAINT OAK BANCORP INC		4.05%	-15.0
99	BankGuam Holding Co		3.39%	-23.0
100	FEDERAL AGRICULTURAL MORTGAGE CORP		3.06%	-16.0
101	OCWEN FINANCIAL CORP		2.21%	-15.0
102	FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE		1.09%	-14.0
103	FEDERAL HOME LOAN MORTGAGE CORP		0.85%	-14.0
104	Freedom Holdings Inc.		-245.37%	0.0
Rank	Company	Seal	Rating Value	Trend