Disclaimer

The data, ratios and grades on BankGrade are provided for general informational purposes only and do not constitute professional, financial, legal, tax or investment advice.

Not a rating or a solvency opinion

The BankGrade A–F grade, the Texas Ratio and every other figure on this site are transparent ratios computed from public FDIC call-report data. They are not a credit rating, a recommendation to use or avoid any bank, or a statement about any bank's actual solvency, safety or likelihood of failure. They reflect a single quarterly snapshot and a fixed rubric, and reasonable analysts would weight the signals differently.

FDIC insurance is what protects your deposits

Regardless of any metric on this site, the FDIC insures deposits up to $250,000 per depositor, per insured bank, per ownership category. That insurance — not a bank's ratios — is what protects your covered money. If you hold more than the limit, use our coverage calculator and verify with the FDIC's official EDIE tool.

Accuracy and sources

While we source every figure from the FDIC BankFind Suite (US Government public domain) and apply standard, documented formulas, the data is a snapshot that may lag, be revised, or contain reporting nuances. Always verify against the FDIC source and consult a qualified professional before making any financial decision.

BankGrade accepts no responsibility for any loss arising from reliance on the site.

Last updated: 2026-06-20