2023 US State Banks

Financial Strength Rankings using Artificial Intelligence

Top rated	41 of 165
Best rating	50.7 %
Worst rating	-3.86 %
New companies	4
Negative Economic Capital Ratio

California BanCorp climbed 110 positions from 156 to 46 due to its excellent Loans and Leases Receivable.FIRST FINANCIAL BANKSHARES INC lost 122 positions from 20 to 142 due to its bad Liabilities and Borrowings.Atlantic Union Bankshares Corp entered the 2023 ranking at rank 62, making it the best newcomer.The biggest company by assets, Bank of New York Mellon Corp, is only ranked at place 66 whereas the smallest company, BM Technologies Inc., is financially stronger at rank 1.

Revenues	17.3 B
Assets	2.93 K
Expenses	41.0 B
Stockholders Equity	284 B
Unprofitable Companies

Rank	Company	Seal	Rating Value	Trend
1	BM Technologies Inc.		50.74%	0.0
2	PROSPERITY BANCSHARES INC		11.27%	2.0
3	Tectonic Financial Inc.		11.21%	0.0
4	QCR HOLDINGS INC		10.09%	-2.0
5	Triumph Financial Inc.		10.08%	1.0
6	PARKE BANCORP INC.		9.40%	21.0
7	INDEPENDENT BANK CORP		8.64%	6.0
8	PCB BANCORP		8.58%	7.0
9	Ameris Bancorp		8.03%	8.0
10	UNITED BANKSHARES INC WV		8.02%	-2.0
11	Merchants Bancorp		7.91%	21.0
12	HOME BANCSHARES INC		7.91%	-7.0
13	RBB Bancorp		7.79%	31.0
14	REPUBLIC BANCORP INC KY		7.78%	10.0
15	ConnectOne Bancorp Inc.		7.55%	-8.0
16	MetroCity Bankshares Inc.		7.50%	55.0
17	FIRST COMMUNITY BANKSHARES INC VA		7.29%	6.0
18	CATHAY GENERAL BANCORP		7.12%	11.0
19	BayCom Corp		7.03%	42.0
20	Independent Bank Group Inc.		6.86%	-9.0
21	S&T BANCORP INC		6.74%	17.0
22	PACIFIC PREMIER BANCORP INC		6.71%	-10.0
23	COMMUNITY WEST BANCSHARES		6.66%	76.0
24	ENTERPRISE FINANCIAL SERVICES CORP		6.63%	27.0
25	M&T BANK CORP		6.62%	53.0
26	MID PENN BANCORP INC		6.53%	72.0
27	RENASANT CORP		6.50%	-5.0
28	UNITY BANCORP INC NJ		6.49%	17.0
29	Veritex Holdings Inc.		6.45%	-19.0
30	SEACOAST BANKING CORP OF FLORIDA		6.43%	-16.0
31	MainStreet Bancshares Inc.		6.41%	5.0
32	OFG BANCORP		6.33%	11.0
33	Hanover Bancorp Inc. NY		6.21%	100.0
34	Bank7 Corp.		6.10%	26.0
35	ServisFirst Bancshares Inc.		6.05%	97.0
36	HILLS BANCORPORATION		5.88%	18.0
37	UNITED COMMUNITY BANKS INC		5.85%	28.0
38	CITIZENS FINANCIAL SERVICES INC		5.78%	26.0
39	LAKELAND BANCORP INC		5.71%	31.0
40	CapStar Financial Holdings Inc.		5.69%	-14.0
41	EAST WEST BANCORP INC		5.64%	32.0
42	SB FINANCIAL GROUP INC.		5.62%	0.0
43	TEXAS CAPITAL BANCSHARES INC TX		5.54%	71.0
44	FIRST BUSINESS FINANCIAL SERVICES INC.		5.53%	53.0
45	BANCPLUS CORP		5.49%	97.0
46	California BanCorp		5.41%	110.0
47	EAGLE BANCORP INC		5.41%	-10.0
48	Bridgewater Bancshares Inc		5.39%	-8.0
49	Southern States Bancshares Inc.		5.36%	28.0
50	COMMUNITY TRUST BANCORP INC KY		5.36%	-34.0
51	First Foundation Inc.		5.33%	16.0
52	CVB FINANCIAL CORP		5.32%	-31.0
53	CNB FINANCIAL CORP PA		5.31%	76.0
54	MIDDLEFIELD BANC CORP		5.29%	1.0
55	Bankwell Financial Group Inc.		5.27%	49.0
56	OP Bancorp		5.24%	7.0
57	Midland States Bancorp Inc.		5.21%	45.0
58	BYLINE BANCORP INC.		5.18%	-30.0
59	Live Oak Bancshares Inc.		5.16%	10.0
60	First Western Financial Inc		5.11%	58.0
61	FIVE STAR BANCORP		5.11%	7.0
62	Atlantic Union Bankshares Corp		5.10%	0.0
63	Luther Burbank Corp		5.07%	31.0
64	SouthState Corp		5.07%	10.0
65	Metropolitan Bank Holding Corp.		5.06%	79.0
66	Bank of New York Mellon Corp		4.99%	35.0
67	1ST SOURCE CORP		4.97%	-14.0
68	GLACIER BANCORP INC.		4.87%	-27.0
69	BAR HARBOR BANKSHARES		4.84%	-23.0
70	TRICO BANCSHARES		4.82%	-35.0
71	CAMBRIDGE BANCORP		4.80%	69.0
72	FLUSHING FINANCIAL CORP		4.77%	37.0
73	GREAT SOUTHERN BANCORP INC.		4.74%	-26.0
74	WESTERN ALLIANCE BANCORPORATION		4.70%	14.0
75	PREMIER FINANCIAL CORP		4.69%	-66.0
76	Citizens Financial Group INC RI		4.66%	-45.0
77	PARTNERS BANCORP		4.64%	66.0
78	MACATAWA BANK CORP		4.56%	37.0
79	CROSSFIRST BANKSHARES INC.		4.44%	-45.0
80	MERCANTILE BANK CORP		4.43%	42.0
81	FIRST US BANCSHARES INC.		4.34%	42.0
82	First Internet Bancorp		4.31%	25.0
83	PENNS WOODS BANCORP INC		4.28%	48.0
84	COLUMBIA BANKING SYSTEM INC.		4.23%	-32.0
85	HORIZON BANCORP INC IN		4.23%	7.0
86	SOUTH PLAINS FINANCIAL INC.		4.19%	-36.0
87	Prime Meridian Holding Co		4.15%	54.0
88	CIVISTA BANCSHARES INC.		4.15%	-55.0
89	Village Bank & Trust Financial Corp.		4.15%	7.0
90	FIRST INTERSTATE BANCSYSTEM INC		4.14%	0.0
91	C & F FINANCIAL CORP		4.14%	-6.0
92	FB Financial Corp		4.12%	13.0
93	CSB Bancorp Inc.		4.10%	52.0
94	Stock Yards Bancorp Inc.		4.01%	25.0
95	ISABELLA BANK Corp		3.94%	-9.0
96	SOUTHSIDE BANCSHARES INC		3.91%	-78.0
97	SVB FINANCIAL GROUP		3.89%	53.0
98	Origin Bancorp Inc.		3.87%	8.0
99	Customers Bancorp Inc.		3.80%	28.0
100	FIRST HAWAIIAN INC.		3.77%	-7.0
101	FIRST MID BANCSHARES INC.		3.72%	-14.0
102	BANNER CORP		3.71%	-11.0
103	CITIZENS & NORTHERN CORP		3.70%	-64.0
104	NORTHERN TRUST CORP		3.64%	63.0
105	FIRST FINANCIAL CORP IN		3.60%	-49.0
106	MidWestOne Financial Group Inc.		3.59%	19.0
107	HANCOCK WHITNEY CORP		3.58%	9.0
108	HBT Financial Inc.		3.50%	9.0
109	RED RIVER BANCSHARES INC		3.47%	1.0
110	USCB FINANCIAL HOLDINGS INC.		3.47%	-44.0
111	FIRST BANCORP NC		3.42%	-53.0
112	SECURITY FEDERAL CORP		3.41%	22.0
113	HV Bancorp Inc.		3.39%	38.0
114	Investar Holding Corp		3.34%	12.0
115	ORRSTOWN FINANCIAL SERVICES INC		3.28%	-40.0
116	COMMUNITY FINANCIAL CORP MD		3.26%	8.0
117	NEW PEOPLES BANKSHARES INC		3.16%	44.0
118	CAPITAL CITY BANK GROUP INC		3.11%	51.0
119	OLD SECOND BANCORP INC		3.08%	44.0
120	UNITED BANCORP INC OH		3.05%	-40.0
121	INDEPENDENT BANK CORP MI		2.98%	-13.0
122	LAKELAND FINANCIAL CORP		2.98%	-74.0
123	Amalgamated Financial Corp.		2.92%	23.0
124	FIRST KEYSTONE CORP		2.92%	-62.0
125	FIRST BUSEY CORP NV		2.92%	13.0
126	NORWOOD FINANCIAL CORP		2.91%	-47.0
127	EAGLE FINANCIAL SERVICES INC		2.88%	10.0
128	SIERRA BANCORP		2.80%	-39.0
129	EQUITY BANCSHARES INC		2.61%	-17.0
130	HomeStreet Inc.		2.50%	0.0
131	WASHINGTON TRUST BANCORP INC		2.50%	-48.0
132	Richmond Mutual Bancorporation Inc.		2.45%	-113.0
133	FIFTH THIRD BANCORP		2.41%	-52.0
134	Oak Valley Bancorp		2.41%	26.0
135	HEARTLAND FINANCIAL USA INC		2.40%	-76.0
136	FIRST COMMUNITY CORP SC		2.36%	-6.0
137	Ally Financial Inc.		2.29%	-53.0
138	CENTRAL PACIFIC FINANCIAL CORP		2.28%	15.0
139	Skyline Bankshares Inc.		2.13%	8.0
140	Eagle Bancorp Montana Inc.		1.95%	32.0
141	ENTERPRISE BANCORP INC MA		1.93%	13.0
142	FIRST FINANCIAL BANKSHARES INC		1.89%	-122.0
143	COMMERCE BANCSHARES INC MO		1.85%	-40.0
144	WEST BANCORPORATION INC		1.83%	-16.0
145	COLONY BANKCORP INC		1.76%	26.0
146	CHOICEONE FINANCIAL SERVICES INC		1.69%	-26.0
147	FIRST BANCORP PR		1.37%	-52.0
148	PEOPLES BANCORP OF NORTH CAROLINA INC		1.34%	0.0
149	FRANKLIN FINANCIAL SERVICES CORP PA		1.30%	-38.0
150	BANK OF SOUTH CAROLINA CORP		1.23%	5.0
151	CENTRAL VALLEY COMMUNITY BANCORP		1.08%	-69.0
152	River Financial Corp		0.97%	0.0
153	BANK OF THE JAMES FINANCIAL GROUP INC		0.96%	11.0
154	CHEMUNG FINANCIAL CORP		0.96%	3.0
155	Embassy Bancorp Inc.		0.75%	-7.0
156	F&M BANK CORP		0.73%	-20.0
157	GERMAN AMERICAN BANCORP INC.		0.59%	-100.0
158	UNION BANKSHARES INC		0.33%	1.0
159	AUBURN NATIONAL BANCORPORATION INC		0.26%	-24.0
160	UWHARRIE CAPITAL CORP		-0.42%	10.0
161	FARMERS NATIONAL BANC CORP OH		-1.05%	-89.0
162	QNB CORP		-1.59%	-13.0
163	JUNIATA VALLEY FINANCIAL CORP		-2.01%	3.0
164	GLEN BURNIE BANCORP		-2.84%	-2.0
165	CITIZENS HOLDING CO MS		-3.86%	9.0
Rank	Company	Seal	Rating Value	Trend