2022 US State Banks

Financial Strength Rankings using Artificial Intelligence

Top rated43 of 175
Best rating81.3 %
Worst rating4.68 %
New companies15
Negative Economic Capital Ratio

Bridgewater Bancshares Inc climbed 81 positions from 125 to 44 due to its excellent Loans and Leases Receivable.Eagle Bancorp Montana Inc lost 124 positions from 37 to 161 due to its bad Liabilities and Borrowings.Ameris Bancorp entered the 2022 ranking at rank 20, making it the best newcomer.The biggest company by assets, Bank Of New York Mellon Corp, is only ranked at place 99 whereas the smallest company, Bm Technologies Inc, is financially stronger at rank 1.

Revenues16.7 B
Assets2.94 K
Expenses38.2 B
Stockholders Equity300 B
Unprofitable Companies
RankCompanySealRating ValueTrend
1Bm Technologies Inc81.25%0.0
2Prosperity Bancshares INC15.98%0.0
3QCR Holdings INC15.65%2.0
4Tectonic Financial Inc15.25%24.0
5Home Bancshares INC14.30%2.0
6United Bankshares INC Wv13.98%2.0
7Triumph Financial Inc13.59%46.0
8Connectone Bancorp Inc13.25%42.0
9Premier Financial Corp13.00%10.0
10Veritex Holdings Inc12.89%3.0
11Independent Bank Corp12.88%18.0
12Independent Bank Group Inc12.63%-2.0
13Pacific Premier Bancorp INC12.54%12.0
14Richmond Mutual Bancorporation Inc12.49%-11.0
15Seacoast Banking Corp Of Florida12.40%2.0
16First Financial Bankshares INC12.20%-12.0
17Community Trust Bancorp INC Ky12.11%9.0
18Republic Bancorp INC Ky12.01%12.0
19Southside Bancshares INC11.99%-4.0
20Ameris Bancorp11.95%0.0
21First Community Bankshares INC Va11.93%1.0
22CVB Financial Corp11.90%-11.0
23Renasant Corp11.87%-11.0
24PCB Bancorp11.84%24.0
25Randolph Bancorp Inc11.59%-19.0
26Byline Bancorp INC11.45%14.0
27Bayfirst Financial Corp11.43%0.0
28Capstar Financial Holdings Inc11.42%41.0
29Citizens Financial Group INC Ri11.31%22.0
30Spirit Of Texas Bancshares Inc11.21%30.0
31Cathay General Bancorp11.18%1.0
32Citizens Northern Corp11.14%1.0
33S T Bancorp INC11.14%25.0
34Crossfirst Bankshares INC11.01%57.0
35Civista Bancshares INC11.00%-12.0
36Parke Bancorp INC10.98%57.0
37Trico Bancshares10.92%9.0
38Glacier Bancorp INC10.87%-20.0
39Mainstreet Bancshares Inc10.86%56.0
40Eagle Bancorp INC10.75%23.0
41Columbia Banking System INC10.56%-32.0
42Merchants Bancorp10.53%74.0
43RBB Bancorp10.47%-9.0
44Bridgewater Bancshares Inc10.46%81.0
45BAR Harbor Bankshares10.46%25.0
46Sb Financial Group INC10.44%13.0
47Hills Bancorporation10.43%8.0
481ST Source Corp10.43%-5.0
49Great Southern Bancorp INC10.41%5.0
50OFG Bancorp10.40%29.0
51German American Bancorp INC10.34%-12.0
52First Bancorp Nc10.27%-14.0
53Enterprise Financial Services Corp10.24%23.0
54Lakeland Financial Corp10.22%-5.0
55First Financial Corp In10.14%-39.0
56Heartland Financial USA INC10.14%0.0
57Middlefield Banc Corp10.07%56.0
58Unity Bancorp INC Nj10.06%69.0
59First Keystone Corp10.05%-32.0
60Baycom Corp10.03%17.0
61Investors Bancorp Inc10.02%35.0
62South Plains Financial INC9.97%4.0
63Uscb Financial Holdings INC9.86%0.0
64Farmers National Banc Corp Oh9.78%0.0
65United Community Banks INC9.78%0.0
66Southstate Corp9.70%16.0
67M T Bank Corp9.68%31.0
68First Foundation Inc9.60%22.0
69Citizens Financial Services INC9.56%14.0
70Bank7 Corp9.53%-8.0
71Op Bancorp9.47%17.0
72Lakeland Bancorp INC9.40%35.0
73Fifth Third Bancorp9.35%-16.0
74Sierra Bancorp9.35%12.0
75First MID Bancshares INC9.31%-28.0
76Isabella Bank Corp9.25%2.0
77First Hawaiian INC9.23%-33.0
78Community West Bancshares9.22%-47.0
79Southern States Bancshares Inc9.19%0.0
80Five Star Bancorp9.18%0.0
81Metrocity Bankshares Inc9.17%-60.0
82Norwood Financial Corp9.17%3.0
83United Bancorp INC Oh9.16%0.0
84East West Bancorp INC9.13%8.0
85Orrstown Financial Services INC9.11%38.0
86Fb Financial Corp9.09%59.0
87Banner Corp9.09%-15.0
88Washington Trust Bancorp INC9.07%24.0
89First Bancorp Pr9.02%0.0
90Great Western Bancorp Inc9.01%0.0
91Horizon Bancorp INC In8.99%-49.0
92Live Oak Bancshares Inc8.98%0.0
93Ally Financial Inc8.97%0.0
94Level One Bancorp Inc8.95%35.0
95C F Financial Corp8.95%22.0
96MID Penn Bancorp INC8.88%56.0
97Luther Burbank Corp8.81%41.0
98Western Alliance Bancorporation8.77%49.0
99Bank Of New York Mellon Corp8.60%4.0
100First Business Financial Services INC8.54%56.0
101Commerce Bancshares INC Mo8.48%-34.0
102Village Bank Trust Financial Corp8.47%53.0
103Silvergate Capital Corp8.42%74.0
104Summit Financial Group INC8.42%28.0
105Equity Bancshares INC8.42%65.0
106Origin Bancorp Inc8.40%48.0
107Hancock Whitney Corp8.37%34.0
108Midland States Bancorp Inc8.34%0.0
109Community West Bancshares8.34%19.0
110Stock Yards Bancorp Inc8.32%-13.0
111First Internet Bancorp8.30%61.0
112RED River Bancshares INC8.28%-44.0
113HBT Financial Inc8.19%0.0
114Franklin Financial Services Corp Pa8.16%-12.0
115Texas Capital Bancshares INC Tx8.13%56.0
116Bankwell Financial Group Inc8.12%58.0
117Independent Bank Corp Mi8.08%-18.0
118Flushing Financial Corp8.06%49.0
119First Busey Corp Nv8.04%-44.0
120Choiceone Financial Services INC8.04%-75.0
121First Us Bancshares INC8.04%16.0
122Investar Holding Corp8.03%-21.0
123Macatawa Bank Corp7.95%-5.0
124First Western Financial Inc7.90%18.0
125Community Financial Corp Md7.88%-6.0
126Mercantile Bank Corp7.82%-15.0
127Auburn National Bancorporation INC7.81%-66.0
128Midwestone Financial Group Inc7.77%7.0
129First Community Corp Sc7.76%-35.0
130Penns Woods Bancorp INC7.73%4.0
131Guaranty Federal Bancshares INC7.71%30.0
132Security Federal Corp7.65%-28.0
133CNB Financial Corp Pa7.59%3.0
134Cambridge Bancorp7.56%-10.0
135Eagle Financial Services INC7.50%-20.0
136Hanover Bancorp Inc Ny7.48%0.0
137F M Bank Corp7.44%-31.0
138First National Corp Va7.40%-17.0
139Partners Bancorp7.35%1.0
140West Bancorporation INC7.33%33.0
141CSB Bancorp Inc7.26%-11.0
142Servisfirst Bancshares Inc7.25%-11.0
143Skyline Bankshares Inc7.25%0.0
144Prime Meridian Holding Co7.24%-18.0
145Customers Bancorp Inc7.21%31.0
146Metropolitan Bank Holding Corp7.12%7.0
147Bancplus Corp7.08%11.0
148Amalgamated Financial Corp7.08%0.0
149QNB Corp7.08%-35.0
150Chemung Financial Corp7.06%-7.0
151SVB Financial Group6.97%-3.0
152Enterprise Bancorp INC Ma6.91%-13.0
153Bank Of South Carolina Corp6.90%-73.0
154Embassy Bancorp Inc6.88%-3.0
155First Citizens Bancshares INC De6.86%-6.0
156River Financial Corp6.86%-36.0
157Hv Bancorp Inc6.85%24.0
158Central Pacific Financial Corp6.82%-12.0
159California Bancorp6.72%16.0
160NEW Peoples Bankshares INC6.71%5.0
161Eagle Bancorp Montana Inc6.64%-124.0
162Capital City Bank Group INC6.62%17.0
163Glen Burnie Bancorp6.58%-19.0
164Juniata Valley Financial Corp6.57%-42.0
165OLD Second Bancorp INC6.50%-56.0
166Oak Valley Bancorp6.49%-33.0
167Union Bankshares INC6.43%-17.0
168Coastal Financial Corp6.31%-6.0
169Bank Of THE James Financial Group INC6.15%-12.0
170Northern Trust Corp5.88%-4.0
171Tristate Capital Holdings Inc5.80%-3.0
172Colony Bankcorp INC5.77%-3.0
173Uwharrie Capital Corp5.68%-9.0
174Citizens Holding Co Ms5.07%-14.0
175Republic First Bancorp INC4.68%5.0
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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