FDIC List of Troubled Banks and the Texas Ratio (2024)

The Federal Deposit Insurance Corporation (FDIC) maintains a list of problem banks that isn't published or shared with anyone else. So how can the average depositor or lender know if their bank is a problem bank about to fail?

The Texas Ratio is one measure that might offer a clue. The ratio was developed by RBC Capital Markets analyst Gerard Cassidy in the 1980's to forecast which banks could fail during the 1980's real estate bubble...Deja vu, anyone?

The ratio is devised by comparing a bank's troubled loans to its capital. If the amount of bad loans equals or exceeds its capital, aratio of 100% or higher,the bank might not have enough capital to cover its losses related to the bad loans on its books. Updated Failed Bank List Below:

Bank NameCityStateAcquiring InstitutionClosing Date
First Republic BankSan FranciscoCAJPMorgan Chase Bank, N.A.
May 1, 2023
Signature BankNew YorkNYSignature Bridge Bank, N.A.12-Mar-23
Silicon Valley BankSanta ClaraCASilicon Valley Bridge Bank, N.A.10-Mar-23
Almena State BankAlmenaKSEquity Bank23-Oct-20
First City Bank of FloridaFort Walton BeachFLUnited Fidelity Bank, fsb16-Oct-20
The First State BankBarboursvilleWVMVB Bank, Inc.3-Apr-20
Ericson State BankEricsonNEFarmers and Merchants Bank14-Feb-20
City National Bank of New JerseyNewarkNJIndustrial Bank1-Nov-19
Resolute BankMaumeeOHBuckeye State Bank25-Oct-19
Louisa Community BankLouisaKYKentucky Farmers Bank Corporation25-Oct-19
The Enloe State BankCooperTXLegend Bank, N. A.31-May-19
Washington Federal Bank for SavingsChicagoILRoyal Savings Bank15-Dec-17
The Farmers and Merchants State Bank of ArgoniaArgoniaKSConway Bank13-Oct-17
Fayette County BankSaint ElmoILUnited Fidelity Bank, fsb26-May-17
Guaranty Bank, (d/b/a BestBank in Georgia & Michigan)MilwaukeeWIFirst-Citizens Bank & Trust Company5-May-17
First NBC BankNew OrleansLAWhitney Bank28-Apr-17
Proficio BankCottonwood HeightsUTCache Valley Bank3-Mar-17
Seaway Bank and Trust CompanyChicagoILState Bank of Texas27-Jan-17
Harvest Community BankPennsvilleNJFirst-Citizens Bank & Trust Company13-Jan-17
Allied BankMulberryARToday's Bank23-Sep-16
The Woodbury Banking CompanyWoodburyGAUnited Bank19-Aug-16
First CornerStone BankKing of PrussiaPAFirst-Citizens Bank & Trust Company6-May-16
Trust Company BankMemphisTNThe Bank of Fayette County29-Apr-16
North Milwaukee State BankMilwaukeeWIFirst-Citizens Bank & Trust Company11-Mar-16
Hometown National BankLongviewWATwin City Bank2-Oct-15
The Bank of GeorgiaPeachtree CityGAFidelity Bank2-Oct-15
Premier BankDenverCOUnited Fidelity Bank, fsb10-Jul-15
Edgebrook BankChicagoILRepublic Bank of Chicago8-May-15
Doral BankSan JuanPRBanco Popular de Puerto Rico27-Feb-15
Capitol City Bank & Trust CompanyAtlantaGAFirst-Citizens Bank & Trust Company13-Feb-15
Highland Community BankChicagoILUnited Fidelity Bank, fsb23-Jan-15
First National Bank of CrestviewCrestviewFLFirst NBC Bank16-Jan-15
Northern Star BankMankatoMNBankVista19-Dec-14
Frontier Bank, FSB D/B/A El Paseo BankPalm DesertCABank of Southern California, N.A.7-Nov-14
The National Republic Bank of ChicagoChicagoILState Bank of Texas24-Oct-14
NBRS FinancialRising SunMDHoward Bank17-Oct-14
GreenChoice Bank, fsbChicagoILProvidence Bank, LLC25-Jul-14
Eastside Commercial BankConyersGACommunity & Southern Bank18-Jul-14
The Freedom State BankFreedomOKAlva State Bank & Trust Company27-Jun-14
Valley BankFort LauderdaleFLLandmark Bank, National Association20-Jun-14
Valley BankMolineILGreat Southern Bank20-Jun-14
Slavie Federal Savings BankBel AirMDBay Bank, FSB30-May-14
Columbia Savings BankCincinnatiOHUnited Fidelity Bank, fsb23-May-14
AztecAmerica BankBerwynILRepublic Bank of Chicago16-May-14
Allendale County BankFairfaxSCPalmetto State Bank25-Apr-14
Vantage Point BankHorshamPAFirst Choice Bank28-Feb-14
Millennium Bank, National AssociationSterlingVAWashingtonFirst Bank28-Feb-14
Syringa BankBoiseIDSunwest Bank31-Jan-14
The Bank of UnionEl RenoOKBancFirst24-Jan-14
DuPage National BankWest ChicagoILRepublic Bank of Chicago17-Jan-14
Texas Community Bank, National AssociationThe WoodlandsTXSpirit of Texas Bank, SSB13-Dec-13
Bank of Jackson CountyGracevilleFLFirst Federal Bank of Florida30-Oct-13
First National Bank also operating as The National Bank of El PasoEdinburgTXPlainsCapital Bank13-Sep-13
The Community's BankBridgeportCTNo Acquirer13-Sep-13
Sunrise Bank of ArizonaPhoenixAZFirst Fidelity Bank, National Association23-Aug-13
Community South BankParsonsTNCB&S Bank, Inc.23-Aug-13
Bank of WausauWausauWINicolet National Bank9-Aug-13
First Community Bank of Southwest Florida (also operating as Community Bank of Cape Coral)Fort MyersFLC1 Bank2-Aug-13
Mountain National BankSeviervilleTNFirst Tennessee Bank, National Association7-Jun-13
1st Commerce BankNorth Las VegasNVPlaza Bank6-Jun-13
Banks of Wisconsin d/b/a Bank of KenoshaKenoshaWINorth Shore Bank, FSB31-May-13
Central Arizona BankScottsdaleAZWestern State Bank14-May-13
Sunrise BankValdostaGASynovus Bank10-May-13
Pisgah Community BankAshevilleNCCapital Bank, N.A.10-May-13
Douglas County BankDouglasvilleGAHamilton State Bank26-Apr-13
Parkway BankLenoirNCCertusBank, National Association26-Apr-13
Chipola Community BankMariannaFLFirst Federal Bank of Florida19-Apr-13
Heritage Bank of North FloridaOrange ParkFLFirstAtlantic Bank19-Apr-13
First Federal BankLexingtonKYYour Community Bank19-Apr-13
Gold Canyon BankGold CanyonAZFirst Scottsdale Bank, National Association5-Apr-13
Frontier BankLaGrangeGAHeritageBank of the South8-Mar-13
Covenant BankChicagoILLiberty Bank and Trust Company15-Feb-13
1st Regents BankAndoverMNFirst Minnesota Bank18-Jan-13
Westside Community BankUniversity PlaceWASunwest Bank11-Jan-13
Community Bank of the OzarksSunrise BeachMOBank of Sullivan14-Dec-12
Hometown Community BankBraseltonGACertusBank, National Association16-Nov-12
Citizens First National BankPrincetonILHeartland Bank and Trust Company2-Nov-12
Heritage Bank of FloridaLutzFLCentennial Bank2-Nov-12
NOVA BankBerwynPANo Acquirer26-Oct-12
Excel BankSedaliaMOSimmons First National Bank19-Oct-12
First East Side Savings BankTamaracFLStearns Bank N.A.19-Oct-12
GulfSouth Private BankDestinFLSmartBank19-Oct-12
First United BankCreteILOld Plank Trail Community Bank, National Association28-Sep-12
Truman BankSt. LouisMOSimmons First National Bank14-Sep-12
First Commercial BankBloomingtonMNRepublic Bank & Trust Company7-Sep-12
Waukegan Savings BankWaukeganILFirst Midwest Bank3-Aug-12
Jasper Banking CompanyJasperGAStearns Bank N.A.27-Jul-12
Second Federal Savings and Loan Association of ChicagoChicagoILHinsdale Bank & Trust Company20-Jul-12
Heartland BankLeawoodKSMetcalf Bank20-Jul-12
First Cherokee State BankWoodstockGACommunity & Southern Bank20-Jul-12
Georgia Trust BankBufordGACommunity & Southern Bank20-Jul-12
The Royal Palm Bank of FloridaNaplesFLFirst National Bank of the Gulf Coast20-Jul-12
Glasgow Savings BankGlasgowMORegional Missouri Bank13-Jul-12
Montgomery Bank & TrustAileyGAAmeris Bank6-Jul-12
The Farmers Bank of LynchburgLynchburgTNClayton Bank and Trust15-Jun-12
Security Exchange BankMariettaGAFidelity Bank15-Jun-12
Putnam State BankPalatkaFLHarbor Community Bank15-Jun-12
Waccamaw BankWhitevilleNCFirst Community Bank8-Jun-12
Farmers' and Traders' State BankShabbonaILFirst State Bank8-Jun-12
Carolina Federal Savings BankCharlestonSCBank of North Carolina8-Jun-12
First Capital BankKingfisherOKF & M Bank8-Jun-12
Alabama Trust Bank, National AssociationSylacaugaALSouthern States Bank18-May-12
Security Bank, National AssociationNorth LauderdaleFLBanesco USA4-May-12
Palm Desert National BankPalm DesertCAPacific Premier Bank27-Apr-12
Plantation Federal BankPawleys IslandSCFirst Federal Bank27-Apr-12
Inter Savings Bank, fsb D/B/A InterBank, fsbMaple GroveMNGreat Southern Bank27-Apr-12
HarVest Bank of MarylandGaithersburgMDSonabank27-Apr-12
Bank of the Eastern ShoreCambridgeMDNo Acquirer27-Apr-12
Fort Lee Federal Savings Bank, FSBFort LeeNJAlma Bank20-Apr-12
Fidelity BankDearbornMIThe Huntington National Bank30-Mar-12
Premier BankWilmetteILInternational Bank of Chicago23-Mar-12
Covenant Bank & TrustRock SpringGAStearns Bank, N.A.23-Mar-12
New City BankChicagoILNo Acquirer9-Mar-12
Global Commerce BankDoravilleGAMetro City Bank2-Mar-12
Home Savings of AmericaLittle FallsMNNo Acquirer24-Feb-12
Central Bank of GeorgiaEllavilleGAAmeris Bank24-Feb-12
SCB BankShelbyvilleINFirst Merchants Bank, National Association10-Feb-12
Charter National Bank and TrustHoffman EstatesILBarrington Bank & Trust Company, National Association10-Feb-12
BankEastKnoxvilleTNU.S. Bank, N.A.27-Jan-12
Patriot Bank MinnesotaForest LakeMNFirst Resource Bank27-Jan-12
Tennessee Commerce BankFranklinTNRepublic Bank & Trust Company27-Jan-12
First Guaranty Bank and Trust Company of JacksonvilleJacksonvilleFLCenterState Bank of Florida, N.A.27-Jan-12
American Eagle Savings BankBoothwynPACapital Bank, N.A.20-Jan-12
The First State BankStockbridgeGAHamilton State Bank20-Jan-12
Central Florida State BankBelleviewFLCenterState Bank of Florida, N.A.20-Jan-12
Western National BankPhoenixAZWashington Federal16-Dec-11
Premier Community Bank of the Emerald CoastCrestviewFLSummit Bank16-Dec-11
Central Progressive BankLacombeLAFirst NBC Bank18-Nov-11
Polk County BankJohnstonIAGrinnell State Bank18-Nov-11
Community Bank of RockmartRockmartGACentury Bank of Georgia10-Nov-11
SunFirst BankSaint GeorgeUTCache Valley Bank4-Nov-11
Mid City Bank, Inc.OmahaNEPremier Bank4-Nov-11
All American BankDes PlainesILInternational Bank of Chicago28-Oct-11
Community Banks of ColoradoGreenwood VillageCOBank Midwest, N.A.21-Oct-11
Community Capital BankJonesboroGAState Bank and Trust Company21-Oct-11
Decatur First BankDecaturGAFidelity Bank21-Oct-11
Old Harbor BankClearwaterFL1st United Bank21-Oct-11
Country BankAledoILBlackhawk Bank & Trust14-Oct-11
First State BankCranfordNJNorthfield Bank14-Oct-11
Blue Ridge Savings Bank, Inc.AshevilleNCBank of North Carolina14-Oct-11
Piedmont Community BankGrayGAState Bank and Trust Company14-Oct-11
Sun Security BankEllingtonMOGreat Southern Bank7-Oct-11
The RiverBankWyomingMNCentral Bank7-Oct-11
First International BankPlanoTXAmerican First National Bank30-Sep-11
Citizens Bank of Northern CaliforniaNevada CityCATri Counties Bank23-Sep-11
Bank of the CommonwealthNorfolkVASouthern Bank and Trust Company23-Sep-11
The First National Bank of FloridaMiltonFLCharterBank9-Sep-11
CreekSide BankWoodstockGAGeorgia Commerce Bank2-Sep-11
Patriot Bank of GeorgiaCummingGAGeorgia Commerce Bank2-Sep-11
First Choice BankGenevaILInland Bank & Trust19-Aug-11
First Southern National BankStatesboroGAHeritage Bank of the South19-Aug-11
Lydian Private BankPalm BeachFLSabadell United Bank, N.A.19-Aug-11
Public Savings BankHuntingdon ValleyPACapital Bank, N.A.18-Aug-11
The First National Bank of OlatheOlatheKSEnterprise Bank & Trust12-Aug-11
Bank of WhitmanColfaxWAColumbia State Bank5-Aug-11
Bank of ShorewoodShorewoodILHeartland Bank and Trust Company5-Aug-11
Integra Bank National AssociationEvansvilleINOld National Bank29-Jul-11
BankMeridian, N.A.ColumbiaSCSCBT National Association29-Jul-11
Virginia Business BankRichmondVAXenith Bank29-Jul-11
Bank of ChoiceGreeleyCOBank Midwest, N.A.22-Jul-11
LandMark Bank of FloridaSarasotaFLAmerican Momentum Bank22-Jul-11
Southshore Community BankApollo BeachFLAmerican Momentum Bank22-Jul-11
Summit BankPrescottAZThe Foothills Bank15-Jul-11
First Peoples BankPort St. LucieFLPremier American Bank, N.A.15-Jul-11
High Trust BankStockbridgeGAAmeris Bank15-Jul-11
One Georgia BankAtlantaGAAmeris Bank15-Jul-11
Signature BankWindsorCOPoints West Community Bank8-Jul-11
Colorado Capital BankCastle RockCOFirst-Citizens Bank & Trust Company8-Jul-11
First Chicago Bank & TrustChicagoILNorthbrook Bank & Trust Company8-Jul-11
Mountain Heritage BankClaytonGAFirst American Bank and Trust Company24-Jun-11
First Commercial Bank of Tampa BayTampaFLStonegate Bank17-Jun-11
McIntosh State BankJacksonGAHamilton State Bank17-Jun-11
Atlantic Bank and TrustCharlestonSCFirst Citizens Bank and Trust Company, Inc.3-Jun-11
First Heritage BankSnohomishWAColumbia State Bank27-May-11
Summit BankBurlingtonWAColumbia State Bank20-May-11
First Georgia Banking CompanyFranklinGACertusBank, National Association20-May-11
Atlantic Southern BankMaconGACertusBank, National Association20-May-11
Coastal BankCocoa BeachFLFlorida Community Bank, a division of Premier American Bank, N.A.6-May-11
Community Central BankMount ClemensMITalmer Bank & Trust29-Apr-11
The Park Avenue BankValdostaGABank of the Ozarks29-Apr-11
First Choice Community BankDallasGABank of the Ozarks29-Apr-11
Cortez Community BankBrooksvilleFLFlorida Community Bank, a division of Premier American Bank, N.A.29-Apr-11
First National Bank of Central FloridaWinter ParkFLFlorida Community Bank, a division of Premier American Bank, N.A.29-Apr-11
Heritage Banking GroupCarthageMSTrustmark National Bank15-Apr-11
Rosemount National BankRosemountMNCentral Bank15-Apr-11
Superior BankBirminghamALSuperior Bank, National Association15-Apr-11
Nexity BankBirminghamALAloStar Bank of Commerce15-Apr-11
New Horizons BankEast EllijayGACitizens South Bank15-Apr-11
Bartow County BankCartersvilleGAHamilton State Bank15-Apr-11
Nevada Commerce BankLas VegasNVCity National Bank8-Apr-11
Western Springs National Bank and TrustWestern SpringsILHeartland Bank and Trust Company8-Apr-11
The Bank of CommerceWood DaleILAdvantage National Bank Group25-Mar-11
Legacy BankMilwaukeeWISeaway Bank and Trust Company11-Mar-11
First National Bank of DavisDavisOKThe Pauls Valley National Bank11-Mar-11
Valley Community BankSt. CharlesILFirst State Bank25-Feb-11
San Luis Trust Bank, FSBSan Luis ObispoCAFirst California Bank18-Feb-11
Charter Oak BankNapaCABank of Marin18-Feb-11
Citizens Bank of EffinghamSpringfieldGAHeritage Bank of the South18-Feb-11
Habersham BankClarkesvilleGASCBT National Association18-Feb-11
Canyon National BankPalm SpringsCAPacific Premier Bank11-Feb-11
Badger State BankCassvilleWIRoyal Bank11-Feb-11
Peoples State BankHamtramckMIFirst Michigan Bank11-Feb-11
Sunshine State Community BankPort OrangeFLPremier American Bank, N.A.11-Feb-11
Community First Bank ChicagoChicagoILNorthbrook Bank & Trust Company4-Feb-11
North Georgia BankWatkinsvilleGABankSouth4-Feb-11
American Trust BankRoswellGARenasant Bank4-Feb-11
First Community BankTaosNMU.S. Bank, N.A.28-Jan-11
FirsTier BankLouisvilleCONo Acquirer28-Jan-11
Evergreen State BankStoughtonWIMcFarland State Bank28-Jan-11
The First State BankCamargoOKBank 728-Jan-11
United Western BankDenverCOFirst-Citizens Bank & Trust Company21-Jan-11
The Bank of AshevilleAshevilleNCFirst Bank21-Jan-11
CommunitySouth Bank & TrustEasleySCCertusBank, National Association21-Jan-11
Enterprise Banking CompanyMcDonoughGANo Acquirer21-Jan-11
Oglethorpe BankBrunswickGABank of the Ozarks14-Jan-11
Legacy BankScottsdaleAZEnterprise Bank & Trust7-Jan-11
First Commercial Bank of FloridaOrlandoFLFirst Southern Bank7-Jan-11
Community National BankLino LakesMNFarmers & Merchants Savings Bank17-Dec-10
First Southern BankBatesvilleARSouthern Bank17-Dec-10
United Americas Bank, N.A.AtlantaGAState Bank and Trust Company17-Dec-10
Appalachian Community Bank, FSBMcCaysvilleGAPeoples Bank of East Tennessee17-Dec-10
Chestatee State BankDawsonvilleGABank of the Ozarks17-Dec-10
The Bank of Miami,N.A.Coral GablesFL1st United Bank17-Dec-10
Earthstar BankSouthamptonPAPolonia Bank10-Dec-10
Paramount BankFarmington HillsMILevel One Bank10-Dec-10
First Banking CenterBurlingtonWIFirst Michigan Bank19-Nov-10
Allegiance Bank of North AmericaBala CynwydPAVIST Bank19-Nov-10
Gulf State Community BankCarrabelleFLCentennial Bank19-Nov-10
Copper Star BankScottsdaleAZStearns Bank, N.A.12-Nov-10
Darby Bank & Trust Co.VidaliaGAAmeris Bank12-Nov-10
Tifton Banking CompanyTiftonGAAmeris Bank12-Nov-10
First Vietnamese American BankWestminsterCAGrandpoint Bank5-Nov-10
Pierce Commercial BankTacomaWAHeritage Bank5-Nov-10
Western Commercial BankWoodland HillsCAFirst California Bank5-Nov-10
K BankRandallstownMDManufacturers and Traders Trust Company (M&T Bank)5-Nov-10
First Arizona Savings, A FSBScottsdaleAZNo Acquirer22-Oct-10
Hillcrest BankOverland ParkKSHillcrest Bank, N.A.22-Oct-10
First Suburban National BankMaywoodILSeaway Bank and Trust Company22-Oct-10
The First National Bank of BarnesvilleBarnesvilleGAUnited Bank22-Oct-10
The Gordon BankGordonGAMorris Bank22-Oct-10
Progress Bank of FloridaTampaFLBay Cities Bank22-Oct-10
First Bank of JacksonvilleJacksonvilleFLAmeris Bank22-Oct-10
Premier BankJefferson CityMOProvidence Bank15-Oct-10
WestBridge Bank and Trust CompanyChesterfieldMOMidland States Bank15-Oct-10
Security Savings Bank, F.S.B.OlatheKSSimmons First National Bank15-Oct-10
Shoreline BankShorelineWAGBC International Bank1-Oct-10
Wakulla BankCrawfordvilleFLCentennial Bank1-Oct-10
North County BankArlingtonWAWhidbey Island Bank24-Sep-10
Haven Trust Bank FloridaPonte Vedra BeachFLFirst Southern Bank24-Sep-10
Maritime Savings BankWest AllisWINorth Shore Bank, FSB17-Sep-10
Bramble Savings BankMilfordOHFoundation Bank17-Sep-10
The Peoples BankWinderGACommunity & Southern Bank17-Sep-10
First Commerce Community BankDouglasvilleGACommunity & Southern Bank17-Sep-10
Bank of EllijayEllijayGACommunity & Southern Bank17-Sep-10
ISN BankCherry HillNJCustomers Bank17-Sep-10
Horizon BankBradentonFLBank of the Ozarks10-Sep-10
Sonoma Valley BankSonomaCAWestamerica Bank20-Aug-10
Los Padres BankSolvangCAPacific Western Bank20-Aug-10
Butte Community BankChicoCARabobank, N.A.20-Aug-10
Pacific State BankStocktonCARabobank, N.A.20-Aug-10
ShoreBankChicagoILUrban Partnership Bank20-Aug-10
Imperial Savings and Loan AssociationMartinsvilleVARiver Community Bank, N.A.20-Aug-10
Independent National BankOcalaFLCenterState Bank of Florida, N.A.20-Aug-10
Community National Bank at BartowBartowFLCenterState Bank of Florida, N.A.20-Aug-10
Palos Bank and Trust CompanyPalos HeightsILFirst Midwest Bank13-Aug-10
Ravenswood BankChicagoILNorthbrook Bank & Trust Company6-Aug-10
LibertyBankEugeneORHome Federal Bank30-Jul-10
The Cowlitz BankLongviewWAHeritage Bank30-Jul-10
Coastal Community BankPanama City BeachFLCentennial Bank30-Jul-10
Bayside Savings BankPort Saint JoeFLCentennial Bank30-Jul-10
Northwest Bank & TrustAcworthGAState Bank and Trust Company30-Jul-10
Home Valley BankCave JunctionORSouth Valley Bank & Trust23-Jul-10
SouthwestUSA BankLas VegasNVPlaza Bank23-Jul-10
Community Security BankNew PragueMNRoundbank23-Jul-10
Thunder BankSylvan GroveKSThe Bennington State Bank23-Jul-10
Williamsburg First National BankKingstreeSCFirst Citizens Bank and Trust Company, Inc.23-Jul-10
Crescent Bank and Trust CompanyJasperGARenasant Bank23-Jul-10
Sterling BankLantanaFLIBERIABANK23-Jul-10
Mainstreet Savings Bank, FSBHastingsMICommercial Bank16-Jul-10
Olde Cypress Community BankClewistonFLCenterState Bank of Florida, N.A.16-Jul-10
Turnberry BankAventuraFLNAFH National Bank16-Jul-10
Metro Bank of Dade CountyMiamiFLNAFH National Bank16-Jul-10
First National Bank of the SouthSpartanburgSCNAFH National Bank16-Jul-10
Woodlands BankBlufftonSCBank of the Ozarks16-Jul-10
Home National BankBlackwellOKRCB Bank9-Jul-10
USA BankPort ChesterNYNew Century Bank9-Jul-10
Ideal Federal Savings BankBaltimoreMDNo Acquirer9-Jul-10
Bay National BankBaltimoreMDBay Bank, FSB9-Jul-10
High Desert State BankAlbuquerqueNMFirst American Bank25-Jun-10
First National BankSavannahGAThe Savannah Bank, N.A.25-Jun-10
Peninsula BankEnglewoodFLPremier American Bank, N.A.25-Jun-10
Nevada Security BankRenoNVUmpqua Bank18-Jun-10
Washington First International BankSeattleWAEast West Bank11-Jun-10
TierOne BankLincolnNEGreat Western Bank4-Jun-10
Arcola Homestead Savings BankArcolaILNo Acquirer4-Jun-10
First National BankRosedaleMSThe Jefferson Bank4-Jun-10
Sun West BankLas VegasNVCity National Bank28-May-10
Granite Community Bank, NAGranite BayCATri Counties Bank28-May-10
Bank of Florida - TampaTampaFLEverBank28-May-10
Bank of Florida - SouthwestNaplesFLEverBank28-May-10
Bank of Florida - SoutheastFort LauderdaleFLEverBank28-May-10
Pinehurst BankSaint PaulMNCoulee Bank21-May-10
Midwest Bank and Trust CompanyElmwood ParkILFirstMerit Bank, N.A.14-May-10
Southwest Community BankSpringfieldMOSimmons First National Bank14-May-10
New Liberty BankPlymouthMIBank of Ann Arbor14-May-10
Satilla Community BankSaint MarysGAAmeris Bank14-May-10
1st Pacific Bank of CaliforniaSan DiegoCACity National Bank7-May-10
Towne Bank of ArizonaMesaAZCommerce Bank of Arizona7-May-10
Access BankChamplinMNPrinsBank7-May-10
The Bank of BonifayBonifayFLFirst Federal Bank of Florida7-May-10
Frontier BankEverettWAUnion Bank, N.A.30-Apr-10
BC National BanksButlerMOCommunity First Bank30-Apr-10
Champion BankCreve CoeurMOBankLiberty30-Apr-10
CF BancorpPort HuronMIFirst Michigan Bank30-Apr-10
Westernbank Puerto RicoMayaguezPRBanco Popular de Puerto Rico30-Apr-10
R-G Premier Bank of Puerto RicoHato ReyPRScotiabank de Puerto Rico30-Apr-10
EurobankSan JuanPROriental Bank and Trust30-Apr-10
Wheatland BankNapervilleILWheaton Bank & Trust23-Apr-10
Peotone Bank and Trust CompanyPeotoneILFirst Midwest Bank23-Apr-10
Lincoln Park Savings BankChicagoILNorthbrook Bank & Trust Company23-Apr-10
New Century BankChicagoILMB Financial Bank, N.A.23-Apr-10
Citizens Bank and Trust Company of ChicagoChicagoILRepublic Bank of Chicago23-Apr-10
Broadway BankChicagoILMB Financial Bank, N.A.23-Apr-10
Amcore Bank, National AssociationRockfordILHarris N.A.23-Apr-10
City BankLynnwoodWAWhidbey Island Bank16-Apr-10
Tamalpais BankSan RafaelCAUnion Bank, N.A.16-Apr-10
Innovative BankOaklandCACenter Bank16-Apr-10
Butler BankLowellMAPeople's United Bank16-Apr-10
Riverside National Bank of FloridaFort PierceFLTD Bank, N.A.16-Apr-10
AmericanFirst BankClermontFLTD Bank, N.A.16-Apr-10
First Federal Bank of North FloridaPalatkaFLTD Bank, N.A.16-Apr-10
Lakeside Community BankSterling HeightsMINo Acquirer16-Apr-10
Beach First National BankMyrtle BeachSCBank of North Carolina9-Apr-10
Desert Hills BankPhoenixAZNew York Community Bank26-Mar-10
Unity National BankCartersvilleGABank of the Ozarks26-Mar-10
Key West BankKey WestFLCentennial Bank26-Mar-10
McIntosh Commercial BankCarrolltonGACharterBank26-Mar-10
State Bank of AuroraAuroraMNNorthern State Bank19-Mar-10
First Lowndes BankFort DepositALFirst Citizens Bank19-Mar-10
Bank of HiawasseeHiawasseeGACitizens South Bank19-Mar-10
Appalachian Community BankEllijayGACommunity & Southern Bank19-Mar-10
Advanta Bank Corp.DraperUTNo Acquirer19-Mar-10
Century Security BankDuluthGABank of Upson19-Mar-10
American National BankParmaOHThe National Bank and Trust Company19-Mar-10
Statewide BankCovingtonLAHome Bank12-Mar-10
Old Southern BankOrlandoFLCentennial Bank12-Mar-10
The Park Avenue BankNew YorkNYValley National Bank12-Mar-10
LibertyPointe BankNew YorkNYValley National Bank11-Mar-10
Centennial BankOgdenUTNo Acquirer5-Mar-10
Waterfield BankGermantownMDNo Acquirer5-Mar-10
Bank of IllinoisNormalILHeartland Bank and Trust Company5-Mar-10
Sun American BankBoca RatonFLFirst-Citizens Bank & Trust Company5-Mar-10
Rainier Pacific BankTacomaWAUmpqua Bank26-Feb-10
Carson River Community BankCarson CityNVHeritage Bank of Nevada26-Feb-10
La Jolla Bank, FSBLa JollaCAOneWest Bank, FSB19-Feb-10
George Washington Savings BankOrland ParkILFirstMerit Bank, N.A.19-Feb-10
The La Coste National BankLa CosteTXCommunity National Bank19-Feb-10
Marco Community BankMarco IslandFLMutual of Omaha Bank19-Feb-10
1st American State Bank of MinnesotaHanco*ckMNCommunity Development Bank, FSB5-Feb-10
American Marine BankBainbridge IslandWAColumbia State Bank29-Jan-10
First Regional BankLos AngelesCAFirst-Citizens Bank & Trust Company29-Jan-10
Community Bank and TrustCorneliaGASCBT National Association29-Jan-10
Marshall Bank, N.A.HallockMNUnited Valley Bank29-Jan-10
Florida Community BankImmokaleeFLPremier American Bank, N.A.29-Jan-10
First National Bank of GeorgiaCarrolltonGACommunity & Southern Bank29-Jan-10
Columbia River BankThe DallesORColumbia State Bank22-Jan-10
Evergreen BankSeattleWAUmpqua Bank22-Jan-10
Charter BankSanta FeNMCharter Bank22-Jan-10
Bank of LeetonLeetonMOSunflower Bank, N.A.22-Jan-10
Premier American BankMiamiFLPremier American Bank, N.A.22-Jan-10
Barnes Banking CompanyKaysvilleUTNo Acquirer15-Jan-10
St. Stephen State BankSt. StephenMNFirst State Bank of St. Joseph15-Jan-10
Town Community Bank & TrustAntiochILFirst American Bank15-Jan-10
Horizon BankBellinghamWAWashington Federal Savings and Loan Association8-Jan-10
First Federal Bank of California, F.S.B.Santa MonicaCAOneWest Bank, FSB18-Dec-09
Imperial Capital BankLa JollaCACity National Bank18-Dec-09
Independent Bankers' BankSpringfieldILThe Independent BankersBank (TIB)18-Dec-09
New South Federal Savings BankIrondaleALBeal Bank18-Dec-09
Citizens State BankNew BaltimoreMINo Acquirer18-Dec-09
Peoples First Community BankPanama CityFLHanco*ck Bank18-Dec-09
RockBridge Commercial BankAtlantaGANo Acquirer18-Dec-09
SolutionsBankOverland ParkKSArvest Bank11-Dec-09
Valley Capital Bank, N.A.MesaAZEnterprise Bank & Trust11-Dec-09
Republic Federal Bank, N.A.MiamiFL1st United Bank11-Dec-09
Greater Atlantic BankRestonVASonabank4-Dec-09
Benchmark BankAuroraILMB Financial Bank, N.A.4-Dec-09
AmTrust BankClevelandOHNew York Community Bank4-Dec-09
The Tattnall BankReidsvilleGAHeritage Bank of the South4-Dec-09
First Security National BankNorcrossGAState Bank and Trust Company4-Dec-09
The Buckhead Community BankAtlantaGAState Bank and Trust Company4-Dec-09
Commerce Bank of Southwest FloridaFort MyersFLCentral Bank20-Nov-09
Pacific Coast National BankSan ClementeCASunwest Bank13-Nov-09
Orion BankNaplesFLIBERIABANK13-Nov-09
Century Bank, F.S.B.SarasotaFLIBERIABANK13-Nov-09
United Commercial BankSan FranciscoCAEast West Bank6-Nov-09
Gateway Bank of St. LouisSt. LouisMOCentral Bank of Kansas City6-Nov-09
Prosperan BankOakdaleMNAlerus Financial, N.A.6-Nov-09
Home Federal Savings BankDetroitMILiberty Bank and Trust Company6-Nov-09
United Security BankSpartaGAAmeris Bank6-Nov-09
North Houston BankHoustonTXU.S. Bank N.A.30-Oct-09
Madisonville State BankMadisonvilleTXU.S. Bank N.A.30-Oct-09
Citizens National BankTeagueTXU.S. Bank N.A.30-Oct-09
Park National BankChicagoILU.S. Bank N.A.30-Oct-09
Pacific National BankSan FranciscoCAU.S. Bank N.A.30-Oct-09
California National BankLos AngelesCAU.S. Bank N.A.30-Oct-09
San Diego National BankSan DiegoCAU.S. Bank N.A.30-Oct-09
Community Bank of LemontLemontILU.S. Bank N.A.30-Oct-09
Bank USA, N.A.PhoenixAZU.S. Bank N.A.30-Oct-09
First DuPage BankWestmontILFirst Midwest Bank23-Oct-09
Riverview Community BankOtsegoMNCentral Bank23-Oct-09
Bank of ElmwoodRacineWITri City National Bank23-Oct-09
Flagship National BankBradentonFLFirst Federal Bank of Florida23-Oct-09
Hillcrest Bank FloridaNaplesFLStonegate Bank23-Oct-09
American United BankLawrencevilleGAAmeris Bank23-Oct-09
Partners BankNaplesFLStonegate Bank23-Oct-09
San Joaquin BankBakersfieldCACitizens Business Bank16-Oct-09
Southern Colorado National BankPuebloCOLegacy Bank2-Oct-09
Jennings State BankSpring GroveMNCentral Bank2-Oct-09
Warren BankWarrenMIThe Huntington National Bank2-Oct-09
Georgian BankAtlantaGAFirst Citizens Bank and Trust Company, Inc.25-Sep-09
Irwin Union Bank, F.S.B.LouisvilleKYFirst Financial Bank, N.A.18-Sep-09
Irwin Union Bank and Trust CompanyColumbusINFirst Financial Bank, N.A.18-Sep-09
Venture BankLaceyWAFirst-Citizens Bank & Trust Company11-Sep-09
Brickwell Community BankWoodburyMNCorTrust Bank N.A.11-Sep-09
Corus Bank, N.A.ChicagoILMB Financial Bank, N.A.11-Sep-09
First State BankFlagstaffAZSunwest Bank4-Sep-09
Platinum Community BankRolling MeadowsILNo Acquirer4-Sep-09
Vantus BankSioux CityIAGreat Southern Bank4-Sep-09
InBankOak ForestILMB Financial Bank, N.A.4-Sep-09
First Bank of Kansas CityKansas CityMOGreat American Bank4-Sep-09
Affinity BankVenturaCAPacific Western Bank28-Aug-09
Mainstreet BankForest LakeMNCentral Bank28-Aug-09
Bradford BankBaltimoreMDManufacturers and Traders Trust Company (M&T Bank)28-Aug-09
Guaranty BankAustinTXBBVA Compass21-Aug-09
CapitalSouth BankBirminghamALIBERIABANK21-Aug-09
First Coweta BankNewnanGAUnited Bank21-Aug-09
ebankAtlantaGAStearns Bank, N.A.21-Aug-09
Community Bank of NevadaLas VegasNVNo Acquirer14-Aug-09
Community Bank of ArizonaPhoenixAZMidFirst Bank14-Aug-09
Union Bank, National AssociationGilbertAZMidFirst Bank14-Aug-09
Colonial BankMontgomeryALBranch Banking & Trust Company, (BB&T)14-Aug-09
Dwelling House Savings and Loan AssociationPittsburghPAPNC Bank, N.A.14-Aug-09
Community First BankPrinevilleORHome Federal Bank7-Aug-09
Community National Bank of Sarasota CountyVeniceFLStearns Bank, N.A.7-Aug-09
First State BankSarasotaFLStearns Bank, N.A.7-Aug-09
Mutual BankHarveyILUnited Central Bank31-Jul-09
First BankAmericanoElizabethNJCrown Bank31-Jul-09
Peoples Community BankWest ChesterOHFirst Financial Bank, N.A.31-Jul-09
Integrity BankJupiterFLStonegate Bank31-Jul-09
First State Bank of AltusAltusOKHerring Bank31-Jul-09
Security Bank of Jones CountyGrayGAState Bank and Trust Company24-Jul-09
Security Bank of Houston CountyPerryGAState Bank and Trust Company24-Jul-09
Security Bank of Bibb CountyMaconGAState Bank and Trust Company24-Jul-09
Security Bank of North MetroWoodstockGAState Bank and Trust Company24-Jul-09
Security Bank of North FultonAlpharettaGAState Bank and Trust Company24-Jul-09
Security Bank of Gwinnett CountySuwaneeGAState Bank and Trust Company24-Jul-09
Waterford Village BankWilliamsvilleNYEvans Bank, N.A.24-Jul-09
Temecula Valley BankTemeculaCAFirst-Citizens Bank & Trust Company17-Jul-09
Vineyard BankRancho CucamongaCACalifornia Bank & Trust17-Jul-09
BankFirstSioux FallsSDAlerus Financial, N.A.17-Jul-09
First Piedmont BankWinderGAFirst American Bank and Trust Company17-Jul-09
Bank of WyomingThermopolisWYCentral Bank & Trust10-Jul-09
Founders BankWorthILThe PrivateBank and Trust Company2-Jul-09
Millennium State Bank of TexasDallasTXState Bank of Texas2-Jul-09
First National Bank of DanvilleDanvilleILFirst Financial Bank, N.A.2-Jul-09
The Elizabeth State BankElizabethILGalena State Bank and Trust Company2-Jul-09
Rock River BankOregonILThe Harvard State Bank2-Jul-09
First State Bank of WinchesterWinchesterILThe First National Bank of Beardstown2-Jul-09
John Warner BankClintonILState Bank of Lincoln2-Jul-09
Mirae BankLos AngelesCAWilshire State Bank26-Jun-09
MetroPacific BankIrvineCASunwest Bank26-Jun-09
Horizon BankPine CityMNStearns Bank, N.A.26-Jun-09
Neighborhood Community BankNewnanGACharterBank26-Jun-09
Community Bank of West GeorgiaVilla RicaGANo Acquirer26-Jun-09
First National Bank of AnthonyAnthonyKSBank of Kansas19-Jun-09
Cooperative BankWilmingtonNCFirst Bank19-Jun-09
Southern Community BankFayettevilleGAUnited Community Bank19-Jun-09
Bank of LincolnwoodLincolnwoodILRepublic Bank of Chicago5-Jun-09
Citizens National BankMacombILMorton Community Bank22-May-09
Strategic Capital BankChampaignILMidland States Bank22-May-09
BankUnited, FSBCoral GablesFLBankUnited21-May-09
Westsound BankBremertonWAKitsap Bank8-May-09
America West BankLaytonUTCache Valley Bank1-May-09
Citizens Community BankRidgewoodNJNorth Jersey Community Bank1-May-09
Silverton Bank, NAAtlantaGANo Acquirer1-May-09
First Bank of IdahoKetchumIDU.S. Bank, N.A.24-Apr-09
First Bank of Beverly HillsCalabasasCANo Acquirer24-Apr-09
Michigan Heritage BankFarmington HillsMILevel One Bank24-Apr-09
American Southern BankKennesawGABank of North Georgia24-Apr-09
Great Basin Bank of NevadaElkoNVNevada State Bank17-Apr-09
American Sterling BankSugar CreekMOMetcalf Bank17-Apr-09
New Frontier BankGreeleyCONo Acquirer10-Apr-09
Cape Fear BankWilmingtonNCFirst Federal Savings and Loan Association10-Apr-09
Omni National BankAtlantaGANo Acquirer27-Mar-09
TeamBank, NAPaolaKSGreat Southern Bank20-Mar-09
Colorado National BankColorado SpringsCOHerring Bank20-Mar-09
FirstCity BankStockbridgeGANo Acquirer20-Mar-09
Freedom Bank of GeorgiaCommerceGANortheast Georgia Bank6-Mar-09
Security Savings BankHendersonNVBank of Nevada27-Feb-09
Heritage Community BankGlenwoodILMB Financial Bank, N.A.27-Feb-09
Silver Falls BankSilvertonORCitizens Bank20-Feb-09
Pinnacle Bank of OregonBeavertonORWashington Trust Bank of Spokane13-Feb-09
Corn Belt Bank & Trust Co.PittsfieldILThe Carlinville National Bank13-Feb-09
Riverside Bank of the Gulf CoastCape CoralFLTIB Bank13-Feb-09
Sherman County BankLoup CityNEHeritage Bank13-Feb-09
County BankMercedCAWestamerica Bank6-Feb-09
Alliance BankCulver CityCACalifornia Bank & Trust6-Feb-09
FirstBank Financial ServicesMcDonoughGARegions Bank6-Feb-09
Ocala National BankOcalaFLCenterState Bank of Florida, N.A.30-Jan-09
Suburban FSBCroftonMDBank of Essex30-Jan-09
MagnetBankSalt Lake CityUTNo Acquirer30-Jan-09
1st Centennial BankRedlandsCAFirst California Bank23-Jan-09
Bank of Clark CountyVancouverWAUmpqua Bank16-Jan-09
National Bank of CommerceBerkeleyILRepublic Bank of Chicago16-Jan-09
Sanderson State BankSandersonTXThe Pecos County State Bank12-Dec-08
Haven Trust BankDuluthGABranch Banking & Trust Company, (BB&T)12-Dec-08
First Georgia Community BankJacksonGAUnited Bank5-Dec-08
PFF Bank & TrustPomonaCAU.S. Bank, N.A.21-Nov-08
Downey Savings & LoanNewport BeachCAU.S. Bank, N.A.21-Nov-08
Community BankLoganvilleGABank of Essex21-Nov-08
Security Pacific BankLos AngelesCAPacific Western Bank7-Nov-08
Franklin Bank, SSBHoustonTXProsperity Bank7-Nov-08
Freedom BankBradentonFLFifth Third Bank31-Oct-08
Alpha Bank & TrustAlpharettaGAStearns Bank, N.A.24-Oct-08
Meridian BankEldredILNational Bank10-Oct-08
Main Street BankNorthvilleMIMonroe Bank & Trust10-Oct-08
Washington Mutual Bank (Including its subsidiary Washington Mutual Bank FSB)HendersonNVJP Morgan Chase Bank25-Sep-08
AmeribankNorthforkWVThe Citizens Savings Bank ********** Pioneer Community Bank, Inc.19-Sep-08
Silver State BankHendersonNVNevada State Bank5-Sep-08
Integrity BankAlpharettaGARegions Bank29-Aug-08
Columbian Bank & TrustTopekaKSCitizens Bank & Trust22-Aug-08
First Priority BankBradentonFLSunTrust Bank1-Aug-08
First Heritage Bank, NANewport BeachCAMutual of Omaha Bank25-Jul-08
First National Bank of NevadaRenoNVMutual of Omaha Bank25-Jul-08
IndyMac BankPasadenaCAOneWest Bank, FSB11-Jul-08
First Integrity Bank, NAStaplesMNFirst International Bank and Trust30-May-08
ANB Financial, NABentonvilleARPulaski Bank and Trust Company9-May-08
Hume BankHumeMOSecurity Bank7-Mar-08
Douglass National BankKansas CityMOLiberty Bank and Trust Company25-Jan-08
Miami Valley BankLakeviewOHThe Citizens Banking Company4-Oct-07
NetBankAlpharettaGAING DIRECT28-Sep-07
Metropolitan Savings BankPittsburghPAAllegheny Valley Bank of Pittsburgh2-Feb-07
Bank of EphraimEphraimUTFar West Bank25-Jun-04
Reliance BankWhite PlainsNYUnion State Bank19-Mar-04
Guaranty National Bank of TallahasseeTallahasseeFLHanco*ck Bank of Florida12-Mar-04
Dollar Savings BankNewarkNJNo Acquirer14-Feb-04
Pulaski Savings BankPhiladelphiaPAEarthstar Bank14-Nov-03
First National Bank of BlanchardvilleBlanchardvilleWIThe Park Bank9-May-03
Southern Pacific BankTorranceCABeal Bank7-Feb-03
Farmers Bank of CheneyvilleCheneyvilleLASabine State Bank & Trust17-Dec-02
Bank of AlamoAlamoTNNo Acquirer8-Nov-02
AmTrade International BankAtlantaGANo Acquirer30-Sep-02
Universal Federal Savings BankChicagoILChicago Community Bank27-Jun-02
Connecticut Bank of CommerceStamfordCTHudson United Bank26-Jun-02
New Century BankShelby TownshipMINo Acquirer28-Mar-02
Net 1st National BankBoca RatonFLBank Leumi USA1-Mar-02
NextBank, NAPhoenixAZNo Acquirer7-Feb-02
Oakwood Deposit Bank Co.OakwoodOHThe State Bank & Trust Company1-Feb-02
Bank of Sierra BlancaSierra BlancaTXThe Security State Bank of Pecos18-Jan-02
Hamilton Bank, NAMiamiFLIsrael Discount Bank of New York11-Jan-02
Sinclair National BankGravetteARDelta Trust & Bank7-Sep-01
Superior Bank, FSBHinsdaleILSuperior Federal, FSB27-Jul-01
Malta National BankMaltaOHNorth Valley Bank3-May-01
First Alliance Bank & Trust Co.ManchesterNHSouthern New Hampshire Bank & Trust2-Feb-01
National State Bank of MetropolisMetropolisILBanterra Bank of Marion14-Dec-00
Bank of HonoluluHonoluluHIBank of the Orient13-Oct-00

If a bank's Texas ratio is 100% or higher it doesn't necessarily mean the bank will fail, a bank can raise more capital to cover its losses, though not an easy thing to do these days during the credit crunch.

Individual deposits are now covered by FDIC insuranceup to $250,000 so most depositors don't have to worry about a bank failing but if you have a business line of credit or are planning to obtain a mortgage from a bank that is on the list you should start thinking about banking elsewhere.

To compile your ownTexas Ratio listusing the FDIC's statistics, visit //www2.fdic.gov/sdi/main.asp and use the following equation, Non-performing Assets and bank real estate owned (REO) divided by Equity and Loss Reserves. ABC News recently reported on the Texas Ratio just after IndyMac Bank failed.

FDIC List of Troubled Banks and the Texas Ratio (2024)
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