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Banks With the Cleanest Loan Books
Banks over $1B in assets ranked by noncurrent loans (90+ days past due or nonaccrual) as a share of loans - lowest first. Data as of June 30, 2026.
| # | Bank | Headquarters | Assets | Deposits | Noncurrent % |
|---|---|---|---|---|---|
| 1 | West Bank | West Des Moines, IA | $4.03B | $3.35B | 0.00% |
| 2 | Capra Bank | Dubuque, IA | $1.34B | $1.11B | 0.00% |
| 3 | Farmers And Merchants Bank | Milford, NE | $1.05B | $885.61M | 0.00% |
| 4 | River City Bank | Sacramento, CA | $6.04B | $5.37B | 0.00% |
| 5 | Bessemer Trust Company | Woodbridge, NJ | $2.36B | $2.21B | 0.00% |
| 6 | Texas Exchange Bank | Crowley, TX | $4.49B | $2.64B | 0.00% |
| 7 | Dallas Capital Bank, National Association | Dallas, TX | $1.21B | $938.92M | 0.00% |
| 8 | Mizuho Bank (Usa) | New York, NY | $2.14B | $1.74B | 0.00% |
| 9 | Bessemer Trust Company, National Association | New York, NY | $4.16B | $3.20B | 0.00% |
| 10 | The Bank Of New York Mellon Trust Company, National Association | Los Angeles, CA | $1.37B | $2.23M | 0.00% |
| 11 | First American Trust, FSB | Santa Ana, CA | $9.23B | $8.70B | 0.00% |
| 12 | United Texas Bank, National Association | Dallas, TX | $1.05B | $790.84M | 0.00% |
| 13 | Safra National Bank Of New York | New York, NY | $15.69B | $13.88B | 0.00% |
| 14 | Sumitomo Mitsui Trust Bank (U.S.A.) Limited | Hoboken, NJ | $3.92B | $3.32B | 0.00% |
| 15 | Somerset Regal Bank | Bound Brook, NJ | $1.19B | $925.10M | 0.00% |
| 16 | Northeast Community Bank | White Plains, NY | $2.11B | $1.54B | 0.00% |
| 17 | Malaga Bank F.S.B. | Palos Verdes Peninsula, CA | $1.45B | $942.08M | 0.00% |
| 18 | Horizon Bank, SSB | Austin, TX | $2.55B | $2.21B | 0.00% |
| 19 | Charles Schwab Premier Bank, SSB | Westlake, TX | $26.58B | $24.46B | 0.00% |
| 20 | Bank Of India | New York, NY | $7.42B | $5.73B | 0.00% |
| 21 | State Bank Of India | Chicago, IL | $4.32B | $3.28B | 0.00% |
| 22 | Bank Of Baroda | New York, NY | $16.24B | $9.91B | 0.00% |
| 23 | State Bank Of India | New York, NY | $22.51B | $13.15B | 0.00% |
| 24 | American Bank | Allentown, PA | $1.11B | $914.84M | 0.00% |
| 25 | Greene County Commercial Bank | Catskill, NY | $1.32B | $1.19B | 0.00% |
| 26 | Pegasus Bank | Dallas, TX | $1.46B | $1.27B | 0.00% |
| 27 | Chain Bridge Bank, National Association | Mclean, VA | $2.19B | $2.01B | 0.00% |
| 28 | Parkside Financial Bank & Trust | Clayton, MO | $1.08B | $923.34M | 0.00% |
| 29 | Coastal Carolina National Bank | Myrtle Beach, SC | $1.35B | $1.22B | 0.00% |
| 30 | Charles Schwab Trust Bank | Westlake, TX | $10.51B | $9.68B | 0.00% |
| 31 | Commerceone Bank | Birmingham, AL | $1.06B | $970.20M | 0.00% |
| 32 | Erebor Bank, N.A. | Columbus, OH | $4.66B | $4.06B | 0.00% |
| 33 | First National Bank And Trust Company Of Newtown | Newtown, PA | $1.17B | $1.02B | 0.00% |
| 34 | The Nodaway Valley Bank | Maryville, MO | $1.62B | $1.40B | 0.00% |
| 35 | Kirkpatrick Bank | Edmond, OK | $1.00B | $890.22M | 0.00% |
| 36 | Security State Bank | Pearsall, TX | $1.14B | $1.03B | 0.00% |
| 37 | American Pride Bank | Macon, GA | $1.03B | $889.91M | 0.00% |
| 38 | Weststar Bank | El Paso, TX | $3.28B | $2.85B | 0.00% |
| 39 | Premier Bank | Maplewood, MN | $1.18B | $1.05B | 0.00% |
| 40 | Oak Valley Community Bank | Oakdale, CA | $2.00B | $1.76B | 0.00% |
| 41 | Falcon International Bank | Laredo, TX | $2.25B | $1.96B | 0.00% |
| 42 | First Federal Savings Bank Of Twin Falls | Twin Falls, ID | $1.42B | $1.25B | 0.01% |
| 43 | Five Points Bank | Grand Island, NE | $2.24B | $2.04B | 0.01% |
| 44 | Providence Bank & Trust | South Holland, IL | $1.56B | $1.35B | 0.01% |
| 45 | South Atlantic Bank | Myrtle Beach, SC | $1.98B | $1.68B | 0.01% |
| 46 | Grove Bank & Trust | Miami, FL | $1.41B | $1.21B | 0.01% |
| 47 | Auburnbank | Auburn, AL | $1.09B | $990.46M | 0.01% |
| 48 | Central National Bank | Junction City, KS | $1.39B | $1.20B | 0.01% |
| 49 | The Yellowstone Bank | Laurel, MT | $1.34B | $1.12B | 0.01% |
| 50 | John Marshall Bank | Reston, VA | $2.40B | $2.00B | 0.01% |
| 51 | Farmers State Bank | Waterloo, IA | $1.60B | $1.26B | 0.01% |
| 52 | One Bank Of Tennessee | Cookeville, TN | $1.67B | $1.49B | 0.01% |
| 53 | Farmers And Merchants Bank Of Long Beach | Long Beach, CA | $11.77B | $8.76B | 0.01% |
| 54 | Pacific National Bank | Miami, FL | $1.61B | $1.33B | 0.01% |
| 55 | Tradition Capital Bank | Wayzata, MN | $2.72B | $2.10B | 0.01% |
| 56 | Sutton Bank | Attica, OH | $1.74B | $1.50B | 0.02% |
| 57 | Truxton Trust Company | Nashville, TN | $1.37B | $1.13B | 0.02% |
| 58 | Liberty National Bank | Lawton, OK | $1.32B | $1.18B | 0.02% |
| 59 | Security Bank And Trust Company | Paris, TN | $1.70B | $1.43B | 0.02% |
| 60 | Jonestown Bank And Trust Company, Of Jonestown, Pennsylvania | Jonestown, PA | $1.01B | $834.82M | 0.02% |
| 61 | Cornhusker Bank | Lincoln, NE | $1.05B | $852.76M | 0.02% |
| 62 | Alliance Bank Central Texas | Woodway, TX | $1.32B | $1.06B | 0.02% |
| 63 | Mission Bank | Bakersfield, CA | $2.01B | $1.77B | 0.02% |
| 64 | Farmers State Bank | Lagrange, IN | $1.31B | $1.16B | 0.02% |
| 65 | The Conway National Bank | Conway, SC | $2.00B | $1.67B | 0.02% |
| 66 | Great Southern Bank | Reeds Spring, MO | $5.53B | $4.38B | 0.02% |
| 67 | Security Bank Of Kansas City | Kansas City, KS | $3.86B | $3.19B | 0.03% |
| 68 | Cornerstone National Bank & Trust Company | Palatine, IL | $1.01B | $897.01M | 0.03% |
| 69 | Leader Bank, National Association | Arlington, MA | $5.28B | $4.26B | 0.03% |
| 70 | Lakeside Bank | Chicago, IL | $2.85B | $2.46B | 0.03% |
| 71 | Institution For Savings In Newburyport And Its Vicinity | Newburyport, MA | $5.56B | $3.37B | 0.04% |
| 72 | Charles Schwab Bank, SSB | Westlake, TX | $250.83B | $225.25B | 0.04% |
| 73 | Signature Bank Of Arkansas | Fayetteville, AR | $1.63B | $1.44B | 0.04% |
| 74 | Partners Bank Of New England | Sanford, ME | $1.09B | $846.97M | 0.04% |
| 75 | Magyar Bank | New Brunswick, NJ | $1.05B | $860.39M | 0.04% |
| 76 | Extraco Banks, National Association | Temple, TX | $2.57B | $2.09B | 0.04% |
| 77 | The Bank Of New York Mellon | New York, NY | $425.12B | $372.56B | 0.04% |
| 78 | Citizens National Bank | Sevierville, TN | $1.96B | $1.74B | 0.04% |
| 79 | Fairfield County Bank | Ridgefield, CT | $1.92B | $1.47B | 0.05% |
| 80 | First Community Bank | Lexington, SC | $2.38B | $2.03B | 0.05% |
| 81 | Idaho First Bank | Mccall, ID | $1.36B | $1.21B | 0.05% |
| 82 | The Converse County Bank | Douglas, WY | $1.09B | $982.55M | 0.05% |
| 83 | Provident Savings Bank, F.S.B. | Riverside, CA | $1.21B | $916.83M | 0.05% |
| 84 | Embassy Bank For The Lehigh Valley | Bethlehem, PA | $1.86B | $1.70B | 0.05% |
| 85 | Forcht Bank, National Association | Lexington, KY | $1.65B | $1.49B | 0.05% |
| 86 | Financial Federal Bank | Memphis, TN | $1.12B | $879.69M | 0.05% |
| 87 | Bath Savings Institution | Bath, ME | $1.50B | $1.15B | 0.05% |
| 88 | Sovereign Bank | Shawnee, OK | $1.47B | $1.19B | 0.06% |
| 89 | The National Bank Of Blacksburg | Blacksburg, VA | $1.83B | $1.65B | 0.06% |
| 90 | Hnb National Bank | Hannibal, MO | $1.31B | $1.16B | 0.06% |
| 91 | Reading Co-Operative Bank | Reading, MA | $1.19B | $1.02B | 0.06% |
| 92 | Stifel Bank | Saint Louis, MO | $14.62B | $13.67B | 0.06% |
| 93 | Crews Bank & Trust | Wauchula, FL | $2.33B | $2.07B | 0.06% |
| 94 | Column National Association | Salt Lake City, UT | $1.77B | $1.53B | 0.06% |
| 95 | Bny Mellon, National Association | Pittsburgh, PA | $30.62B | $26.02B | 0.06% |
| 96 | United Bank Of Michigan | Grand Rapids, MI | $1.06B | $892.66M | 0.06% |
| 97 | Iowa State Bank | Hull, IA | $1.26B | $872.98M | 0.06% |
| 98 | Bryant Bank | Tuscaloosa, AL | $2.94B | $2.34B | 0.07% |
| 99 | Pinnacle Bank | Lincoln, NE | $9.18B | $8.13B | 0.07% |
| 100 | Consumers National Bank | Minerva, OH | $1.28B | $1.12B | 0.07% |
Source: FDIC BankFind. See methodology for definitions and minimum-size filters.
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