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 Name City State Acquiring Institution Closing Date First Republic Bank San Francisco CA JPMorgan Chase Bank, N.A.
May 1, 2023Signature Bank New York NY Signature Bridge Bank, N.A. 12-Mar-23 Silicon Valley Bank Santa Clara CA Silicon Valley Bridge Bank, N.A. 10-Mar-23 Almena State Bank Almena KS Equity Bank 23-Oct-20 First City Bank of Florida Fort Walton Beach FL United Fidelity Bank, fsb 16-Oct-20 The First State Bank Barboursville WV MVB Bank, Inc. 3-Apr-20 Ericson State Bank Ericson NE Farmers and Merchants Bank 14-Feb-20 City National Bank of New Jersey Newark NJ Industrial Bank 1-Nov-19 Resolute Bank Maumee OH Buckeye State Bank 25-Oct-19 Louisa Community Bank Louisa KY Kentucky Farmers Bank Corporation 25-Oct-19 The Enloe State Bank Cooper TX Legend Bank, N. A. 31-May-19 Washington Federal Bank for Savings Chicago IL Royal Savings Bank 15-Dec-17 The Farmers and Merchants State Bank of Argonia Argonia KS Conway Bank 13-Oct-17 Fayette County Bank Saint Elmo IL United Fidelity Bank, fsb 26-May-17 Guaranty Bank, (d/b/a BestBank in Georgia & Michigan) Milwaukee WI First-Citizens Bank & Trust Company 5-May-17 First NBC Bank New Orleans LA Whitney Bank 28-Apr-17 Proficio Bank Cottonwood Heights UT Cache Valley Bank 3-Mar-17 Seaway Bank and Trust Company Chicago IL State Bank of Texas 27-Jan-17 Harvest Community Bank Pennsville NJ First-Citizens Bank & Trust Company 13-Jan-17 Allied Bank Mulberry AR Today's Bank 23-Sep-16 The Woodbury Banking Company Woodbury GA United Bank 19-Aug-16 First CornerStone Bank King of Prussia PA First-Citizens Bank & Trust Company 6-May-16 Trust Company Bank Memphis TN The Bank of Fayette County 29-Apr-16 North Milwaukee State Bank Milwaukee WI First-Citizens Bank & Trust Company 11-Mar-16 Hometown National Bank Longview WA Twin City Bank 2-Oct-15 The Bank of Georgia Peachtree City GA Fidelity Bank 2-Oct-15 Premier Bank Denver CO United Fidelity Bank, fsb 10-Jul-15 Edgebrook Bank Chicago IL Republic Bank of Chicago 8-May-15 Doral Bank San Juan PR Banco Popular de Puerto Rico 27-Feb-15 Capitol City Bank & Trust Company Atlanta GA First-Citizens Bank & Trust Company 13-Feb-15 Highland Community Bank Chicago IL United Fidelity Bank, fsb 23-Jan-15 First National Bank of Crestview Crestview FL First NBC Bank 16-Jan-15 Northern Star Bank Mankato MN BankVista 19-Dec-14 Frontier Bank, FSB D/B/A El Paseo Bank Palm Desert CA Bank of Southern California, N.A. 7-Nov-14 The National Republic Bank of Chicago Chicago IL State Bank of Texas 24-Oct-14 NBRS Financial Rising Sun MD Howard Bank 17-Oct-14 GreenChoice Bank, fsb Chicago IL Providence Bank, LLC 25-Jul-14 Eastside Commercial Bank Conyers GA Community & Southern Bank 18-Jul-14 The Freedom State Bank Freedom OK Alva State Bank & Trust Company 27-Jun-14 Valley Bank Fort Lauderdale FL Landmark Bank, National Association 20-Jun-14 Valley Bank Moline IL Great Southern Bank 20-Jun-14 Slavie Federal Savings Bank Bel Air MD Bay Bank, FSB 30-May-14 Columbia Savings Bank Cincinnati OH United Fidelity Bank, fsb 23-May-14 AztecAmerica Bank Berwyn IL Republic Bank of Chicago 16-May-14 Allendale County Bank Fairfax SC Palmetto State Bank 25-Apr-14 Vantage Point Bank Horsham PA First Choice Bank 28-Feb-14 Millennium Bank, National Association Sterling VA WashingtonFirst Bank 28-Feb-14 Syringa Bank Boise ID Sunwest Bank 31-Jan-14 The Bank of Union El Reno OK BancFirst 24-Jan-14 DuPage National Bank West Chicago IL Republic Bank of Chicago 17-Jan-14 Texas Community Bank, National Association The Woodlands TX Spirit of Texas Bank, SSB 13-Dec-13 Bank of Jackson County Graceville FL First Federal Bank of Florida 30-Oct-13 First National Bank also operating as The National Bank of El Paso Edinburg TX PlainsCapital Bank 13-Sep-13 The Community's Bank Bridgeport CT No Acquirer 13-Sep-13 Sunrise Bank of Arizona Phoenix AZ First Fidelity Bank, National Association 23-Aug-13 Community South Bank Parsons TN CB&S Bank, Inc. 23-Aug-13 Bank of Wausau Wausau WI Nicolet National Bank 9-Aug-13 First Community Bank of Southwest Florida (also operating as Community Bank of Cape Coral) Fort Myers FL C1 Bank 2-Aug-13 Mountain National Bank Sevierville TN First Tennessee Bank, National Association 7-Jun-13 1st Commerce Bank North Las Vegas NV Plaza Bank 6-Jun-13 Banks of Wisconsin d/b/a Bank of Kenosha Kenosha WI North Shore Bank, FSB 31-May-13 Central Arizona Bank Scottsdale AZ Western State Bank 14-May-13 Sunrise Bank Valdosta GA Synovus Bank 10-May-13 Pisgah Community Bank Asheville NC Capital Bank, N.A. 10-May-13 Douglas County Bank Douglasville GA Hamilton State Bank 26-Apr-13 Parkway Bank Lenoir NC CertusBank, National Association 26-Apr-13 Chipola Community Bank Marianna FL First Federal Bank of Florida 19-Apr-13 Heritage Bank of North Florida Orange Park FL FirstAtlantic Bank 19-Apr-13 First Federal Bank Lexington KY Your Community Bank 19-Apr-13 Gold Canyon Bank Gold Canyon AZ First Scottsdale Bank, National Association 5-Apr-13 Frontier Bank LaGrange GA HeritageBank of the South 8-Mar-13 Covenant Bank Chicago IL Liberty Bank and Trust Company 15-Feb-13 1st Regents Bank Andover MN First Minnesota Bank 18-Jan-13 Westside Community Bank University Place WA Sunwest Bank 11-Jan-13 Community Bank of the Ozarks Sunrise Beach MO Bank of Sullivan 14-Dec-12 Hometown Community Bank Braselton GA CertusBank, National Association 16-Nov-12 Citizens First National Bank Princeton IL Heartland Bank and Trust Company 2-Nov-12 Heritage Bank of Florida Lutz FL Centennial Bank 2-Nov-12 NOVA Bank Berwyn PA No Acquirer 26-Oct-12 Excel Bank Sedalia MO Simmons First National Bank 19-Oct-12 First East Side Savings Bank Tamarac FL Stearns Bank N.A. 19-Oct-12 GulfSouth Private Bank Destin FL SmartBank 19-Oct-12 First United Bank Crete IL Old Plank Trail Community Bank, National Association 28-Sep-12 Truman Bank St. Louis MO Simmons First National Bank 14-Sep-12 First Commercial Bank Bloomington MN Republic Bank & Trust Company 7-Sep-12 Waukegan Savings Bank Waukegan IL First Midwest Bank 3-Aug-12 Jasper Banking Company Jasper GA Stearns Bank N.A. 27-Jul-12 Second Federal Savings and Loan Association of Chicago Chicago IL Hinsdale Bank & Trust Company 20-Jul-12 Heartland Bank Leawood KS Metcalf Bank 20-Jul-12 First Cherokee State Bank Woodstock GA Community & Southern Bank 20-Jul-12 Georgia Trust Bank Buford GA Community & Southern Bank 20-Jul-12 The Royal Palm Bank of Florida Naples FL First National Bank of the Gulf Coast 20-Jul-12 Glasgow Savings Bank Glasgow MO Regional Missouri Bank 13-Jul-12 Montgomery Bank & Trust Ailey GA Ameris Bank 6-Jul-12 The Farmers Bank of Lynchburg Lynchburg TN Clayton Bank and Trust 15-Jun-12 Security Exchange Bank Marietta GA Fidelity Bank 15-Jun-12 Putnam State Bank Palatka FL Harbor Community Bank 15-Jun-12 Waccamaw Bank Whiteville NC First Community Bank 8-Jun-12 Farmers' and Traders' State Bank Shabbona IL First State Bank 8-Jun-12 Carolina Federal Savings Bank Charleston SC Bank of North Carolina 8-Jun-12 First Capital Bank Kingfisher OK F & M Bank 8-Jun-12 Alabama Trust Bank, National Association Sylacauga AL Southern States Bank 18-May-12 Security Bank, National Association North Lauderdale FL Banesco USA 4-May-12 Palm Desert National Bank Palm Desert CA Pacific Premier Bank 27-Apr-12 Plantation Federal Bank Pawleys Island SC First Federal Bank 27-Apr-12 Inter Savings Bank, fsb D/B/A InterBank, fsb Maple Grove MN Great Southern Bank 27-Apr-12 HarVest Bank of Maryland Gaithersburg MD Sonabank 27-Apr-12 Bank of the Eastern Shore Cambridge MD No Acquirer 27-Apr-12 Fort Lee Federal Savings Bank, FSB Fort Lee NJ Alma Bank 20-Apr-12 Fidelity Bank Dearborn MI The Huntington National Bank 30-Mar-12 Premier Bank Wilmette IL International Bank of Chicago 23-Mar-12 Covenant Bank & Trust Rock Spring GA Stearns Bank, N.A. 23-Mar-12 New City Bank Chicago IL No Acquirer 9-Mar-12 Global Commerce Bank Doraville GA Metro City Bank 2-Mar-12 Home Savings of America Little Falls MN No Acquirer 24-Feb-12 Central Bank of Georgia Ellaville GA Ameris Bank 24-Feb-12 SCB Bank Shelbyville IN First Merchants Bank, National Association 10-Feb-12 Charter National Bank and Trust Hoffman Estates IL Barrington Bank & Trust Company, National Association 10-Feb-12 BankEast Knoxville TN U.S. Bank, N.A. 27-Jan-12 Patriot Bank Minnesota Forest Lake MN First Resource Bank 27-Jan-12 Tennessee Commerce Bank Franklin TN Republic Bank & Trust Company 27-Jan-12 First Guaranty Bank and Trust Company of Jacksonville Jacksonville FL CenterState Bank of Florida, N.A. 27-Jan-12 American Eagle Savings Bank Boothwyn PA Capital Bank, N.A. 20-Jan-12 The First State Bank Stockbridge GA Hamilton State Bank 20-Jan-12 Central Florida State Bank Belleview FL CenterState Bank of Florida, N.A. 20-Jan-12 Western National Bank Phoenix AZ Washington Federal 16-Dec-11 Premier Community Bank of the Emerald Coast Crestview FL Summit Bank 16-Dec-11 Central Progressive Bank Lacombe LA First NBC Bank 18-Nov-11 Polk County Bank Johnston IA Grinnell State Bank 18-Nov-11 Community Bank of Rockmart Rockmart GA Century Bank of Georgia 10-Nov-11 SunFirst Bank Saint George UT Cache Valley Bank 4-Nov-11 Mid City Bank, Inc. Omaha NE Premier Bank 4-Nov-11 All American Bank Des Plaines IL International Bank of Chicago 28-Oct-11 Community Banks of Colorado Greenwood Village CO Bank Midwest, N.A. 21-Oct-11 Community Capital Bank Jonesboro GA State Bank and Trust Company 21-Oct-11 Decatur First Bank Decatur GA Fidelity Bank 21-Oct-11 Old Harbor Bank Clearwater FL 1st United Bank 21-Oct-11 Country Bank Aledo IL Blackhawk Bank & Trust 14-Oct-11 First State Bank Cranford NJ Northfield Bank 14-Oct-11 Blue Ridge Savings Bank, Inc. Asheville NC Bank of North Carolina 14-Oct-11 Piedmont Community Bank Gray GA State Bank and Trust Company 14-Oct-11 Sun Security Bank Ellington MO Great Southern Bank 7-Oct-11 The RiverBank Wyoming MN Central Bank 7-Oct-11 First International Bank Plano TX American First National Bank 30-Sep-11 Citizens Bank of Northern California Nevada City CA Tri Counties Bank 23-Sep-11 Bank of the Commonwealth Norfolk VA Southern Bank and Trust Company 23-Sep-11 The First National Bank of Florida Milton FL CharterBank 9-Sep-11 CreekSide Bank Woodstock GA Georgia Commerce Bank 2-Sep-11 Patriot Bank of Georgia Cumming GA Georgia Commerce Bank 2-Sep-11 First Choice Bank Geneva IL Inland Bank & Trust 19-Aug-11 First Southern National Bank Statesboro GA Heritage Bank of the South 19-Aug-11 Lydian Private Bank Palm Beach FL Sabadell United Bank, N.A. 19-Aug-11 Public Savings Bank Huntingdon Valley PA Capital Bank, N.A. 18-Aug-11 The First National Bank of Olathe Olathe KS Enterprise Bank & Trust 12-Aug-11 Bank of Whitman Colfax WA Columbia State Bank 5-Aug-11 Bank of Shorewood Shorewood IL Heartland Bank and Trust Company 5-Aug-11 Integra Bank National Association Evansville IN Old National Bank 29-Jul-11 BankMeridian, N.A. Columbia SC SCBT National Association 29-Jul-11 Virginia Business Bank Richmond VA Xenith Bank 29-Jul-11 Bank of Choice Greeley CO Bank Midwest, N.A. 22-Jul-11 LandMark Bank of Florida Sarasota FL American Momentum Bank 22-Jul-11 Southshore Community Bank Apollo Beach FL American Momentum Bank 22-Jul-11 Summit Bank Prescott AZ The Foothills Bank 15-Jul-11 First Peoples Bank Port St. Lucie FL Premier American Bank, N.A. 15-Jul-11 High Trust Bank Stockbridge GA Ameris Bank 15-Jul-11 One Georgia Bank Atlanta GA Ameris Bank 15-Jul-11 Signature Bank Windsor CO Points West Community Bank 8-Jul-11 Colorado Capital Bank Castle Rock CO First-Citizens Bank & Trust Company 8-Jul-11 First Chicago Bank & Trust Chicago IL Northbrook Bank & Trust Company 8-Jul-11 Mountain Heritage Bank Clayton GA First American Bank and Trust Company 24-Jun-11 First Commercial Bank of Tampa Bay Tampa FL Stonegate Bank 17-Jun-11 McIntosh State Bank Jackson GA Hamilton State Bank 17-Jun-11 Atlantic Bank and Trust Charleston SC First Citizens Bank and Trust Company, Inc. 3-Jun-11 First Heritage Bank Snohomish WA Columbia State Bank 27-May-11 Summit Bank Burlington WA Columbia State Bank 20-May-11 First Georgia Banking Company Franklin GA CertusBank, National Association 20-May-11 Atlantic Southern Bank Macon GA CertusBank, National Association 20-May-11 Coastal Bank Cocoa Beach FL Florida Community Bank, a division of Premier American Bank, N.A. 6-May-11 Community Central Bank Mount Clemens MI Talmer Bank & Trust 29-Apr-11 The Park Avenue Bank Valdosta GA Bank of the Ozarks 29-Apr-11 First Choice Community Bank Dallas GA Bank of the Ozarks 29-Apr-11 Cortez Community Bank Brooksville FL Florida Community Bank, a division of Premier American Bank, N.A. 29-Apr-11 First National Bank of Central Florida Winter Park FL Florida Community Bank, a division of Premier American Bank, N.A. 29-Apr-11 Heritage Banking Group Carthage MS Trustmark National Bank 15-Apr-11 Rosemount National Bank Rosemount MN Central Bank 15-Apr-11 Superior Bank Birmingham AL Superior Bank, National Association 15-Apr-11 Nexity Bank Birmingham AL AloStar Bank of Commerce 15-Apr-11 New Horizons Bank East Ellijay GA Citizens South Bank 15-Apr-11 Bartow County Bank Cartersville GA Hamilton State Bank 15-Apr-11 Nevada Commerce Bank Las Vegas NV City National Bank 8-Apr-11 Western Springs National Bank and Trust Western Springs IL Heartland Bank and Trust Company 8-Apr-11 The Bank of Commerce Wood Dale IL Advantage National Bank Group 25-Mar-11 Legacy Bank Milwaukee WI Seaway Bank and Trust Company 11-Mar-11 First National Bank of Davis Davis OK The Pauls Valley National Bank 11-Mar-11 Valley Community Bank St. Charles IL First State Bank 25-Feb-11 San Luis Trust Bank, FSB San Luis Obispo CA First California Bank 18-Feb-11 Charter Oak Bank Napa CA Bank of Marin 18-Feb-11 Citizens Bank of Effingham Springfield GA Heritage Bank of the South 18-Feb-11 Habersham Bank Clarkesville GA SCBT National Association 18-Feb-11 Canyon National Bank Palm Springs CA Pacific Premier Bank 11-Feb-11 Badger State Bank Cassville WI Royal Bank 11-Feb-11 Peoples State Bank Hamtramck MI First Michigan Bank 11-Feb-11 Sunshine State Community Bank Port Orange FL Premier American Bank, N.A. 11-Feb-11 Community First Bank Chicago Chicago IL Northbrook Bank & Trust Company 4-Feb-11 North Georgia Bank Watkinsville GA BankSouth 4-Feb-11 American Trust Bank Roswell GA Renasant Bank 4-Feb-11 First Community Bank Taos NM U.S. Bank, N.A. 28-Jan-11 FirsTier Bank Louisville CO No Acquirer 28-Jan-11 Evergreen State Bank Stoughton WI McFarland State Bank 28-Jan-11 The First State Bank Camargo OK Bank 7 28-Jan-11 United Western Bank Denver CO First-Citizens Bank & Trust Company 21-Jan-11 The Bank of Asheville Asheville NC First Bank 21-Jan-11 CommunitySouth Bank & Trust Easley SC CertusBank, National Association 21-Jan-11 Enterprise Banking Company McDonough GA No Acquirer 21-Jan-11 Oglethorpe Bank Brunswick GA Bank of the Ozarks 14-Jan-11 Legacy Bank Scottsdale AZ Enterprise Bank & Trust 7-Jan-11 First Commercial Bank of Florida Orlando FL First Southern Bank 7-Jan-11 Community National Bank Lino Lakes MN Farmers & Merchants Savings Bank 17-Dec-10 First Southern Bank Batesville AR Southern Bank 17-Dec-10 United Americas Bank, N.A. Atlanta GA State Bank and Trust Company 17-Dec-10 Appalachian Community Bank, FSB McCaysville GA Peoples Bank of East Tennessee 17-Dec-10 Chestatee State Bank Dawsonville GA Bank of the Ozarks 17-Dec-10 The Bank of Miami,N.A. Coral Gables FL 1st United Bank 17-Dec-10 Earthstar Bank Southampton PA Polonia Bank 10-Dec-10 Paramount Bank Farmington Hills MI Level One Bank 10-Dec-10 First Banking Center Burlington WI First Michigan Bank 19-Nov-10 Allegiance Bank of North America Bala Cynwyd PA VIST Bank 19-Nov-10 Gulf State Community Bank Carrabelle FL Centennial Bank 19-Nov-10 Copper Star Bank Scottsdale AZ Stearns Bank, N.A. 12-Nov-10 Darby Bank & Trust Co. Vidalia GA Ameris Bank 12-Nov-10 Tifton Banking Company Tifton GA Ameris Bank 12-Nov-10 First Vietnamese American Bank Westminster CA Grandpoint Bank 5-Nov-10 Pierce Commercial Bank Tacoma WA Heritage Bank 5-Nov-10 Western Commercial Bank Woodland Hills CA First California Bank 5-Nov-10 K Bank Randallstown MD Manufacturers and Traders Trust Company (M&T Bank) 5-Nov-10 First Arizona Savings, A FSB Scottsdale AZ No Acquirer 22-Oct-10 Hillcrest Bank Overland Park KS Hillcrest Bank, N.A. 22-Oct-10 First Suburban National Bank Maywood IL Seaway Bank and Trust Company 22-Oct-10 The First National Bank of Barnesville Barnesville GA United Bank 22-Oct-10 The Gordon Bank Gordon GA Morris Bank 22-Oct-10 Progress Bank of Florida Tampa FL Bay Cities Bank 22-Oct-10 First Bank of Jacksonville Jacksonville FL Ameris Bank 22-Oct-10 Premier Bank Jefferson City MO Providence Bank 15-Oct-10 WestBridge Bank and Trust Company Chesterfield MO Midland States Bank 15-Oct-10 Security Savings Bank, F.S.B. Olathe KS Simmons First National Bank 15-Oct-10 Shoreline Bank Shoreline WA GBC International Bank 1-Oct-10 Wakulla Bank Crawfordville FL Centennial Bank 1-Oct-10 North County Bank Arlington WA Whidbey Island Bank 24-Sep-10 Haven Trust Bank Florida Ponte Vedra Beach FL First Southern Bank 24-Sep-10 Maritime Savings Bank West Allis WI North Shore Bank, FSB 17-Sep-10 Bramble Savings Bank Milford OH Foundation Bank 17-Sep-10 The Peoples Bank Winder GA Community & Southern Bank 17-Sep-10 First Commerce Community Bank Douglasville GA Community & Southern Bank 17-Sep-10 Bank of Ellijay Ellijay GA Community & Southern Bank 17-Sep-10 ISN Bank Cherry Hill NJ Customers Bank 17-Sep-10 Horizon Bank Bradenton FL Bank of the Ozarks 10-Sep-10 Sonoma Valley Bank Sonoma CA Westamerica Bank 20-Aug-10 Los Padres Bank Solvang CA Pacific Western Bank 20-Aug-10 Butte Community Bank Chico CA Rabobank, N.A. 20-Aug-10 Pacific State Bank Stockton CA Rabobank, N.A. 20-Aug-10 ShoreBank Chicago IL Urban Partnership Bank 20-Aug-10 Imperial Savings and Loan Association Martinsville VA River Community Bank, N.A. 20-Aug-10 Independent National Bank Ocala FL CenterState Bank of Florida, N.A. 20-Aug-10 Community National Bank at Bartow Bartow FL CenterState Bank of Florida, N.A. 20-Aug-10 Palos Bank and Trust Company Palos Heights IL First Midwest Bank 13-Aug-10 Ravenswood Bank Chicago IL Northbrook Bank & Trust Company 6-Aug-10 LibertyBank Eugene OR Home Federal Bank 30-Jul-10 The Cowlitz Bank Longview WA Heritage Bank 30-Jul-10 Coastal Community Bank Panama City Beach FL Centennial Bank 30-Jul-10 Bayside Savings Bank Port Saint Joe FL Centennial Bank 30-Jul-10 Northwest Bank & Trust Acworth GA State Bank and Trust Company 30-Jul-10 Home Valley Bank Cave Junction OR South Valley Bank & Trust 23-Jul-10 SouthwestUSA Bank Las Vegas NV Plaza Bank 23-Jul-10 Community Security Bank New Prague MN Roundbank 23-Jul-10 Thunder Bank Sylvan Grove KS The Bennington State Bank 23-Jul-10 Williamsburg First National Bank Kingstree SC First Citizens Bank and Trust Company, Inc. 23-Jul-10 Crescent Bank and Trust Company Jasper GA Renasant Bank 23-Jul-10 Sterling Bank Lantana FL IBERIABANK 23-Jul-10 Mainstreet Savings Bank, FSB Hastings MI Commercial Bank 16-Jul-10 Olde Cypress Community Bank Clewiston FL CenterState Bank of Florida, N.A. 16-Jul-10 Turnberry Bank Aventura FL NAFH National Bank 16-Jul-10 Metro Bank of Dade County Miami FL NAFH National Bank 16-Jul-10 First National Bank of the South Spartanburg SC NAFH National Bank 16-Jul-10 Woodlands Bank Bluffton SC Bank of the Ozarks 16-Jul-10 Home National Bank Blackwell OK RCB Bank 9-Jul-10 USA Bank Port Chester NY New Century Bank 9-Jul-10 Ideal Federal Savings Bank Baltimore MD No Acquirer 9-Jul-10 Bay National Bank Baltimore MD Bay Bank, FSB 9-Jul-10 High Desert State Bank Albuquerque NM First American Bank 25-Jun-10 First National Bank Savannah GA The Savannah Bank, N.A. 25-Jun-10 Peninsula Bank Englewood FL Premier American Bank, N.A. 25-Jun-10 Nevada Security Bank Reno NV Umpqua Bank 18-Jun-10 Washington First International Bank Seattle WA East West Bank 11-Jun-10 TierOne Bank Lincoln NE Great Western Bank 4-Jun-10 Arcola Homestead Savings Bank Arcola IL No Acquirer 4-Jun-10 First National Bank Rosedale MS The Jefferson Bank 4-Jun-10 Sun West Bank Las Vegas NV City National Bank 28-May-10 Granite Community Bank, NA Granite Bay CA Tri Counties Bank 28-May-10 Bank of Florida - Tampa Tampa FL EverBank 28-May-10 Bank of Florida - Southwest Naples FL EverBank 28-May-10 Bank of Florida - Southeast Fort Lauderdale FL EverBank 28-May-10 Pinehurst Bank Saint Paul MN Coulee Bank 21-May-10 Midwest Bank and Trust Company Elmwood Park IL FirstMerit Bank, N.A. 14-May-10 Southwest Community Bank Springfield MO Simmons First National Bank 14-May-10 New Liberty Bank Plymouth MI Bank of Ann Arbor 14-May-10 Satilla Community Bank Saint Marys GA Ameris Bank 14-May-10 1st Pacific Bank of California San Diego CA City National Bank 7-May-10 Towne Bank of Arizona Mesa AZ Commerce Bank of Arizona 7-May-10 Access Bank Champlin MN PrinsBank 7-May-10 The Bank of Bonifay Bonifay FL First Federal Bank of Florida 7-May-10 Frontier Bank Everett WA Union Bank, N.A. 30-Apr-10 BC National Banks Butler MO Community First Bank 30-Apr-10 Champion Bank Creve Coeur MO BankLiberty 30-Apr-10 CF Bancorp Port Huron MI First Michigan Bank 30-Apr-10 Westernbank Puerto Rico Mayaguez PR Banco Popular de Puerto Rico 30-Apr-10 R-G Premier Bank of Puerto Rico Hato Rey PR Scotiabank de Puerto Rico 30-Apr-10 Eurobank San Juan PR Oriental Bank and Trust 30-Apr-10 Wheatland Bank Naperville IL Wheaton Bank & Trust 23-Apr-10 Peotone Bank and Trust Company Peotone IL First Midwest Bank 23-Apr-10 Lincoln Park Savings Bank Chicago IL Northbrook Bank & Trust Company 23-Apr-10 New Century Bank Chicago IL MB Financial Bank, N.A. 23-Apr-10 Citizens Bank and Trust Company of Chicago Chicago IL Republic Bank of Chicago 23-Apr-10 Broadway Bank Chicago IL MB Financial Bank, N.A. 23-Apr-10 Amcore Bank, National Association Rockford IL Harris N.A. 23-Apr-10 City Bank Lynnwood WA Whidbey Island Bank 16-Apr-10 Tamalpais Bank San Rafael CA Union Bank, N.A. 16-Apr-10 Innovative Bank Oakland CA Center Bank 16-Apr-10 Butler Bank Lowell MA People's United Bank 16-Apr-10 Riverside National Bank of Florida Fort Pierce FL TD Bank, N.A. 16-Apr-10 AmericanFirst Bank Clermont FL TD Bank, N.A. 16-Apr-10 First Federal Bank of North Florida Palatka FL TD Bank, N.A. 16-Apr-10 Lakeside Community Bank Sterling Heights MI No Acquirer 16-Apr-10 Beach First National Bank Myrtle Beach SC Bank of North Carolina 9-Apr-10 Desert Hills Bank Phoenix AZ New York Community Bank 26-Mar-10 Unity National Bank Cartersville GA Bank of the Ozarks 26-Mar-10 Key West Bank Key West FL Centennial Bank 26-Mar-10 McIntosh Commercial Bank Carrollton GA CharterBank 26-Mar-10 State Bank of Aurora Aurora MN Northern State Bank 19-Mar-10 First Lowndes Bank Fort Deposit AL First Citizens Bank 19-Mar-10 Bank of Hiawassee Hiawassee GA Citizens South Bank 19-Mar-10 Appalachian Community Bank Ellijay GA Community & Southern Bank 19-Mar-10 Advanta Bank Corp. Draper UT No Acquirer 19-Mar-10 Century Security Bank Duluth GA Bank of Upson 19-Mar-10 American National Bank Parma OH The National Bank and Trust Company 19-Mar-10 Statewide Bank Covington LA Home Bank 12-Mar-10 Old Southern Bank Orlando FL Centennial Bank 12-Mar-10 The Park Avenue Bank New York NY Valley National Bank 12-Mar-10 LibertyPointe Bank New York NY Valley National Bank 11-Mar-10 Centennial Bank Ogden UT No Acquirer 5-Mar-10 Waterfield Bank Germantown MD No Acquirer 5-Mar-10 Bank of Illinois Normal IL Heartland Bank and Trust Company 5-Mar-10 Sun American Bank Boca Raton FL First-Citizens Bank & Trust Company 5-Mar-10 Rainier Pacific Bank Tacoma WA Umpqua Bank 26-Feb-10 Carson River Community Bank Carson City NV Heritage Bank of Nevada 26-Feb-10 La Jolla Bank, FSB La Jolla CA OneWest Bank, FSB 19-Feb-10 George Washington Savings Bank Orland Park IL FirstMerit Bank, N.A. 19-Feb-10 The La Coste National Bank La Coste TX Community National Bank 19-Feb-10 Marco Community Bank Marco Island FL Mutual of Omaha Bank 19-Feb-10 1st American State Bank of Minnesota Hanco*ck MN Community Development Bank, FSB 5-Feb-10 American Marine Bank Bainbridge Island WA Columbia State Bank 29-Jan-10 First Regional Bank Los Angeles CA First-Citizens Bank & Trust Company 29-Jan-10 Community Bank and Trust Cornelia GA SCBT National Association 29-Jan-10 Marshall Bank, N.A. Hallock MN United Valley Bank 29-Jan-10 Florida Community Bank Immokalee FL Premier American Bank, N.A. 29-Jan-10 First National Bank of Georgia Carrollton GA Community & Southern Bank 29-Jan-10 Columbia River Bank The Dalles OR Columbia State Bank 22-Jan-10 Evergreen Bank Seattle WA Umpqua Bank 22-Jan-10 Charter Bank Santa Fe NM Charter Bank 22-Jan-10 Bank of Leeton Leeton MO Sunflower Bank, N.A. 22-Jan-10 Premier American Bank Miami FL Premier American Bank, N.A. 22-Jan-10 Barnes Banking Company Kaysville UT No Acquirer 15-Jan-10 St. Stephen State Bank St. Stephen MN First State Bank of St. Joseph 15-Jan-10 Town Community Bank & Trust Antioch IL First American Bank 15-Jan-10 Horizon Bank Bellingham WA Washington Federal Savings and Loan Association 8-Jan-10 First Federal Bank of California, F.S.B. Santa Monica CA OneWest Bank, FSB 18-Dec-09 Imperial Capital Bank La Jolla CA City National Bank 18-Dec-09 Independent Bankers' Bank Springfield IL The Independent BankersBank (TIB) 18-Dec-09 New South Federal Savings Bank Irondale AL Beal Bank 18-Dec-09 Citizens State Bank New Baltimore MI No Acquirer 18-Dec-09 Peoples First Community Bank Panama City FL Hanco*ck Bank 18-Dec-09 RockBridge Commercial Bank Atlanta GA No Acquirer 18-Dec-09 SolutionsBank Overland Park KS Arvest Bank 11-Dec-09 Valley Capital Bank, N.A. Mesa AZ Enterprise Bank & Trust 11-Dec-09 Republic Federal Bank, N.A. Miami FL 1st United Bank 11-Dec-09 Greater Atlantic Bank Reston VA Sonabank 4-Dec-09 Benchmark Bank Aurora IL MB Financial Bank, N.A. 4-Dec-09 AmTrust Bank Cleveland OH New York Community Bank 4-Dec-09 The Tattnall Bank Reidsville GA Heritage Bank of the South 4-Dec-09 First Security National Bank Norcross GA State Bank and Trust Company 4-Dec-09 The Buckhead Community Bank Atlanta GA State Bank and Trust Company 4-Dec-09 Commerce Bank of Southwest Florida Fort Myers FL Central Bank 20-Nov-09 Pacific Coast National Bank San Clemente CA Sunwest Bank 13-Nov-09 Orion Bank Naples FL IBERIABANK 13-Nov-09 Century Bank, F.S.B. Sarasota FL IBERIABANK 13-Nov-09 United Commercial Bank San Francisco CA East West Bank 6-Nov-09 Gateway Bank of St. Louis St. Louis MO Central Bank of Kansas City 6-Nov-09 Prosperan Bank Oakdale MN Alerus Financial, N.A. 6-Nov-09 Home Federal Savings Bank Detroit MI Liberty Bank and Trust Company 6-Nov-09 United Security Bank Sparta GA Ameris Bank 6-Nov-09 North Houston Bank Houston TX U.S. Bank N.A. 30-Oct-09 Madisonville State Bank Madisonville TX U.S. Bank N.A. 30-Oct-09 Citizens National Bank Teague TX U.S. Bank N.A. 30-Oct-09 Park National Bank Chicago IL U.S. Bank N.A. 30-Oct-09 Pacific National Bank San Francisco CA U.S. Bank N.A. 30-Oct-09 California National Bank Los Angeles CA U.S. Bank N.A. 30-Oct-09 San Diego National Bank San Diego CA U.S. Bank N.A. 30-Oct-09 Community Bank of Lemont Lemont IL U.S. Bank N.A. 30-Oct-09 Bank USA, N.A. Phoenix AZ U.S. Bank N.A. 30-Oct-09 First DuPage Bank Westmont IL First Midwest Bank 23-Oct-09 Riverview Community Bank Otsego MN Central Bank 23-Oct-09 Bank of Elmwood Racine WI Tri City National Bank 23-Oct-09 Flagship National Bank Bradenton FL First Federal Bank of Florida 23-Oct-09 Hillcrest Bank Florida Naples FL Stonegate Bank 23-Oct-09 American United Bank Lawrenceville GA Ameris Bank 23-Oct-09 Partners Bank Naples FL Stonegate Bank 23-Oct-09 San Joaquin Bank Bakersfield CA Citizens Business Bank 16-Oct-09 Southern Colorado National Bank Pueblo CO Legacy Bank 2-Oct-09 Jennings State Bank Spring Grove MN Central Bank 2-Oct-09 Warren Bank Warren MI The Huntington National Bank 2-Oct-09 Georgian Bank Atlanta GA First Citizens Bank and Trust Company, Inc. 25-Sep-09 Irwin Union Bank, F.S.B. Louisville KY First Financial Bank, N.A. 18-Sep-09 Irwin Union Bank and Trust Company Columbus IN First Financial Bank, N.A. 18-Sep-09 Venture Bank Lacey WA First-Citizens Bank & Trust Company 11-Sep-09 Brickwell Community Bank Woodbury MN CorTrust Bank N.A. 11-Sep-09 Corus Bank, N.A. Chicago IL MB Financial Bank, N.A. 11-Sep-09 First State Bank Flagstaff AZ Sunwest Bank 4-Sep-09 Platinum Community Bank Rolling Meadows IL No Acquirer 4-Sep-09 Vantus Bank Sioux City IA Great Southern Bank 4-Sep-09 InBank Oak Forest IL MB Financial Bank, N.A. 4-Sep-09 First Bank of Kansas City Kansas City MO Great American Bank 4-Sep-09 Affinity Bank Ventura CA Pacific Western Bank 28-Aug-09 Mainstreet Bank Forest Lake MN Central Bank 28-Aug-09 Bradford Bank Baltimore MD Manufacturers and Traders Trust Company (M&T Bank) 28-Aug-09 Guaranty Bank Austin TX BBVA Compass 21-Aug-09 CapitalSouth Bank Birmingham AL IBERIABANK 21-Aug-09 First Coweta Bank Newnan GA United Bank 21-Aug-09 ebank Atlanta GA Stearns Bank, N.A. 21-Aug-09 Community Bank of Nevada Las Vegas NV No Acquirer 14-Aug-09 Community Bank of Arizona Phoenix AZ MidFirst Bank 14-Aug-09 Union Bank, National Association Gilbert AZ MidFirst Bank 14-Aug-09 Colonial Bank Montgomery AL Branch Banking & Trust Company, (BB&T) 14-Aug-09 Dwelling House Savings and Loan Association Pittsburgh PA PNC Bank, N.A. 14-Aug-09 Community First Bank Prineville OR Home Federal Bank 7-Aug-09 Community National Bank of Sarasota County Venice FL Stearns Bank, N.A. 7-Aug-09 First State Bank Sarasota FL Stearns Bank, N.A. 7-Aug-09 Mutual Bank Harvey IL United Central Bank 31-Jul-09 First BankAmericano Elizabeth NJ Crown Bank 31-Jul-09 Peoples Community Bank West Chester OH First Financial Bank, N.A. 31-Jul-09 Integrity Bank Jupiter FL Stonegate Bank 31-Jul-09 First State Bank of Altus Altus OK Herring Bank 31-Jul-09 Security Bank of Jones County Gray GA State Bank and Trust Company 24-Jul-09 Security Bank of Houston County Perry GA State Bank and Trust Company 24-Jul-09 Security Bank of Bibb County Macon GA State Bank and Trust Company 24-Jul-09 Security Bank of North Metro Woodstock GA State Bank and Trust Company 24-Jul-09 Security Bank of North Fulton Alpharetta GA State Bank and Trust Company 24-Jul-09 Security Bank of Gwinnett County Suwanee GA State Bank and Trust Company 24-Jul-09 Waterford Village Bank Williamsville NY Evans Bank, N.A. 24-Jul-09 Temecula Valley Bank Temecula CA First-Citizens Bank & Trust Company 17-Jul-09 Vineyard Bank Rancho Cucamonga CA California Bank & Trust 17-Jul-09 BankFirst Sioux Falls SD Alerus Financial, N.A. 17-Jul-09 First Piedmont Bank Winder GA First American Bank and Trust Company 17-Jul-09 Bank of Wyoming Thermopolis WY Central Bank & Trust 10-Jul-09 Founders Bank Worth IL The PrivateBank and Trust Company 2-Jul-09 Millennium State Bank of Texas Dallas TX State Bank of Texas 2-Jul-09 First National Bank of Danville Danville IL First Financial Bank, N.A. 2-Jul-09 The Elizabeth State Bank Elizabeth IL Galena State Bank and Trust Company 2-Jul-09 Rock River Bank Oregon IL The Harvard State Bank 2-Jul-09 First State Bank of Winchester Winchester IL The First National Bank of Beardstown 2-Jul-09 John Warner Bank Clinton IL State Bank of Lincoln 2-Jul-09 Mirae Bank Los Angeles CA Wilshire State Bank 26-Jun-09 MetroPacific Bank Irvine CA Sunwest Bank 26-Jun-09 Horizon Bank Pine City MN Stearns Bank, N.A. 26-Jun-09 Neighborhood Community Bank Newnan GA CharterBank 26-Jun-09 Community Bank of West Georgia Villa Rica GA No Acquirer 26-Jun-09 First National Bank of Anthony Anthony KS Bank of Kansas 19-Jun-09 Cooperative Bank Wilmington NC First Bank 19-Jun-09 Southern Community Bank Fayetteville GA United Community Bank 19-Jun-09 Bank of Lincolnwood Lincolnwood IL Republic Bank of Chicago 5-Jun-09 Citizens National Bank Macomb IL Morton Community Bank 22-May-09 Strategic Capital Bank Champaign IL Midland States Bank 22-May-09 BankUnited, FSB Coral Gables FL BankUnited 21-May-09 Westsound Bank Bremerton WA Kitsap Bank 8-May-09 America West Bank Layton UT Cache Valley Bank 1-May-09 Citizens Community Bank Ridgewood NJ North Jersey Community Bank 1-May-09 Silverton Bank, NA Atlanta GA No Acquirer 1-May-09 First Bank of Idaho Ketchum ID U.S. Bank, N.A. 24-Apr-09 First Bank of Beverly Hills Calabasas CA No Acquirer 24-Apr-09 Michigan Heritage Bank Farmington Hills MI Level One Bank 24-Apr-09 American Southern Bank Kennesaw GA Bank of North Georgia 24-Apr-09 Great Basin Bank of Nevada Elko NV Nevada State Bank 17-Apr-09 American Sterling Bank Sugar Creek MO Metcalf Bank 17-Apr-09 New Frontier Bank Greeley CO No Acquirer 10-Apr-09 Cape Fear Bank Wilmington NC First Federal Savings and Loan Association 10-Apr-09 Omni National Bank Atlanta GA No Acquirer 27-Mar-09 TeamBank, NA Paola KS Great Southern Bank 20-Mar-09 Colorado National Bank Colorado Springs CO Herring Bank 20-Mar-09 FirstCity Bank Stockbridge GA No Acquirer 20-Mar-09 Freedom Bank of Georgia Commerce GA Northeast Georgia Bank 6-Mar-09 Security Savings Bank Henderson NV Bank of Nevada 27-Feb-09 Heritage Community Bank Glenwood IL MB Financial Bank, N.A. 27-Feb-09 Silver Falls Bank Silverton OR Citizens Bank 20-Feb-09 Pinnacle Bank of Oregon Beaverton OR Washington Trust Bank of Spokane 13-Feb-09 Corn Belt Bank & Trust Co. Pittsfield IL The Carlinville National Bank 13-Feb-09 Riverside Bank of the Gulf Coast Cape Coral FL TIB Bank 13-Feb-09 Sherman County Bank Loup City NE Heritage Bank 13-Feb-09 County Bank Merced CA Westamerica Bank 6-Feb-09 Alliance Bank Culver City CA California Bank & Trust 6-Feb-09 FirstBank Financial Services McDonough GA Regions Bank 6-Feb-09 Ocala National Bank Ocala FL CenterState Bank of Florida, N.A. 30-Jan-09 Suburban FSB Crofton MD Bank of Essex 30-Jan-09 MagnetBank Salt Lake City UT No Acquirer 30-Jan-09 1st Centennial Bank Redlands CA First California Bank 23-Jan-09 Bank of Clark County Vancouver WA Umpqua Bank 16-Jan-09 National Bank of Commerce Berkeley IL Republic Bank of Chicago 16-Jan-09 Sanderson State Bank Sanderson TX The Pecos County State Bank 12-Dec-08 Haven Trust Bank Duluth GA Branch Banking & Trust Company, (BB&T) 12-Dec-08 First Georgia Community Bank Jackson GA United Bank 5-Dec-08 PFF Bank & Trust Pomona CA U.S. Bank, N.A. 21-Nov-08 Downey Savings & Loan Newport Beach CA U.S. Bank, N.A. 21-Nov-08 Community Bank Loganville GA Bank of Essex 21-Nov-08 Security Pacific Bank Los Angeles CA Pacific Western Bank 7-Nov-08 Franklin Bank, SSB Houston TX Prosperity Bank 7-Nov-08 Freedom Bank Bradenton FL Fifth Third Bank 31-Oct-08 Alpha Bank & Trust Alpharetta GA Stearns Bank, N.A. 24-Oct-08 Meridian Bank Eldred IL National Bank 10-Oct-08 Main Street Bank Northville MI Monroe Bank & Trust 10-Oct-08 Washington Mutual Bank (Including its subsidiary Washington Mutual Bank FSB) Henderson NV JP Morgan Chase Bank 25-Sep-08 Ameribank Northfork WV The Citizens Savings Bank ********** Pioneer Community Bank, Inc. 19-Sep-08 Silver State Bank Henderson NV Nevada State Bank 5-Sep-08 Integrity Bank Alpharetta GA Regions Bank 29-Aug-08 Columbian Bank & Trust Topeka KS Citizens Bank & Trust 22-Aug-08 First Priority Bank Bradenton FL SunTrust Bank 1-Aug-08 First Heritage Bank, NA Newport Beach CA Mutual of Omaha Bank 25-Jul-08 First National Bank of Nevada Reno NV Mutual of Omaha Bank 25-Jul-08 IndyMac Bank Pasadena CA OneWest Bank, FSB 11-Jul-08 First Integrity Bank, NA Staples MN First International Bank and Trust 30-May-08 ANB Financial, NA Bentonville AR Pulaski Bank and Trust Company 9-May-08 Hume Bank Hume MO Security Bank 7-Mar-08 Douglass National Bank Kansas City MO Liberty Bank and Trust Company 25-Jan-08 Miami Valley Bank Lakeview OH The Citizens Banking Company 4-Oct-07 NetBank Alpharetta GA ING DIRECT 28-Sep-07 Metropolitan Savings Bank Pittsburgh PA Allegheny Valley Bank of Pittsburgh 2-Feb-07 Bank of Ephraim Ephraim UT Far West Bank 25-Jun-04 Reliance Bank White Plains NY Union State Bank 19-Mar-04 Guaranty National Bank of Tallahassee Tallahassee FL Hanco*ck Bank of Florida 12-Mar-04 Dollar Savings Bank Newark NJ No Acquirer 14-Feb-04 Pulaski Savings Bank Philadelphia PA Earthstar Bank 14-Nov-03 First National Bank of Blanchardville Blanchardville WI The Park Bank 9-May-03 Southern Pacific Bank Torrance CA Beal Bank 7-Feb-03 Farmers Bank of Cheneyville Cheneyville LA Sabine State Bank & Trust 17-Dec-02 Bank of Alamo Alamo TN No Acquirer 8-Nov-02 AmTrade International Bank Atlanta GA No Acquirer 30-Sep-02 Universal Federal Savings Bank Chicago IL Chicago Community Bank 27-Jun-02 Connecticut Bank of Commerce Stamford CT Hudson United Bank 26-Jun-02 New Century Bank Shelby Township MI No Acquirer 28-Mar-02 Net 1st National Bank Boca Raton FL Bank Leumi USA 1-Mar-02 NextBank, NA Phoenix AZ No Acquirer 7-Feb-02 Oakwood Deposit Bank Co. Oakwood OH The State Bank & Trust Company 1-Feb-02 Bank of Sierra Blanca Sierra Blanca TX The Security State Bank of Pecos 18-Jan-02 Hamilton Bank, NA Miami FL Israel Discount Bank of New York 11-Jan-02 Sinclair National Bank Gravette AR Delta Trust & Bank 7-Sep-01 Superior Bank, FSB Hinsdale IL Superior Federal, FSB 27-Jul-01 Malta National Bank Malta OH North Valley Bank 3-May-01 First Alliance Bank & Trust Co. Manchester NH Southern New Hampshire Bank & Trust 2-Feb-01 National State Bank of Metropolis Metropolis IL Banterra Bank of Marion 14-Dec-00 Bank of Honolulu Honolulu HI Bank of the Orient 13-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.
