The Strongest U.S. State Banks: Ranked by RealRate’s Incredible Artificial Intelligence



RealRate’s 2023 ranking for U.S. State Banks is now out. The results, which are sorted by financial strength, are right here!


The Top 10 State Banks are as follows:



The top 3 banks in order are BM Technologies Inc., Prosperity Bank, and Tectonic Financial Inc.

They had Economic Capital Ratio figures of 51%, 11.27%, and 11.21%, respectively.

The 3 banks did well due to their superior Revenues, Other Liabilities, and Other Net Income scores, respectively.

BM Technologies consolidated its top spot from last year, as did Tectonic Financial in 3rd. Prosperity Bank moved up from 4th to 2nd place.

From a total of 165 banks, 41 received our ‘Top Rated’ award.






The next 10 State Banks are as follows:



America’s banks play a critical role in, and are a cornerstone of, the U.S. economy.

$21.2 trillion in assets are held by banks in the U.S., employing over 2 million people.

84,350 branches serve customers across the U.S., from large urban city centers to small rural communities, and 9 out of 10 consumers are happy with their bank.

The impressive thing we do at RealRate is to deliver utterly fair and independent company ratings, bringing together expert knowledge and innovative artificial intelligence in one package. Our AI model computes the all-important Economic Capital Ratio figure.

Looking at our model in more detail, one can see it is very much unbiased and only uses audited public data. We are not part of any bank.

We are fair, explain ourselves very well, and we also avoid any all-important conflicts of interest.