US banks with the highest Texas Ratio
A high Texas Ratio means a bank carries more problem assets relative to the capital and reserves that would absorb them. Of the largest US banks, the highest computed Texas Ratios on the Q1 2026 (call report dated March 31, 2026) FDIC call report are MidFirst Bank (151.98%), Flagstar Bank (32.02%) and Western Alliance Bank (23.32%). A high ratio is a stress signal, not a prediction of failure — and your deposits are FDIC-insured to $250,000 regardless. Read the caveats on the Texas Ratio explainer.
Source: FDIC BankFind Suite API. Data as of June 2026.
| # | Bank | Texas Ratio | Nonperf. assets/assets | Capital ratio | Grade |
|---|---|---|---|---|---|
| 1 | MidFirst Bank | 151.98% | 15.55% | 9.7% | D |
| 2 | Flagstar Bank | 32.02% | 3.33% | 9.3% | F |
| 3 | Western Alliance Bank | 23.32% | 1.93% | 7.8% | F |
| 4 | First United Bank and Trust Company | 15.38% | 1.61% | 9.7% | D |
| 5 | Banco Popular de Puerto Rico | 15.20% | 1.14% | 6.3% | D |
| 6 | BankUnited | 14.00% | 1.35% | 9.0% | D |
| 7 | Merchants Bank of Indiana | 13.18% | 1.52% | 11.1% | C |
| 8 | EverBank | 12.46% | 1.18% | 8.8% | D |
| 9 | Stifel Bank and Trust | 10.86% | 0.78% | 6.8% | D |
| 10 | Trustmark Bank | 9.43% | 1.18% | 11.7% | B |
| 11 | Synchrony Bank | 9.02% | 1.95% | 12.8% | B |
| 12 | U.S. Bank National Association | 8.84% | 0.98% | 9.9% | C |
| 13 | ServisFirst Bank | 8.55% | 1.00% | 10.7% | B |
| 14 | Banc of California | 8.52% | 1.02% | 11.3% | B |
| 15 | Enterprise Bank & Trust | 8.25% | 1.03% | 11.7% | C |
| 16 | Citizens Bank | 7.61% | 0.96% | 11.7% | C |
| 17 | Arvest Bank | 7.42% | 0.67% | 8.3% | D |
| 18 | FirstBank | 7.25% | 0.96% | 12.2% | B |
| 19 | Santander Bank, N.A. | 7.19% | 1.02% | 12.8% | B |
| 20 | First-Citizens Bank & Trust Company | 7.12% | 0.76% | 10.0% | C |
| 21 | City National Bank of Florida | 7.07% | 0.79% | 10.4% | B |
| 22 | Ally Bank | 7.00% | 0.71% | 8.3% | C |
| 23 | Barclays Bank Delaware | 6.81% | 1.34% | 14.0% | B |
| 24 | USAA Federal Savings Bank | 6.80% | 0.46% | 5.1% | C |
| 25 | Manufacturers and Traders Trust Company | 6.73% | 0.95% | 13.2% | B |
| 26 | Bank OZK | 6.72% | 1.07% | 14.8% | B |
| 27 | Wells Fargo Bank | 6.43% | 0.65% | 9.3% | B |
| 28 | Capital One | 6.25% | 1.13% | 14.5% | B |
| 29 | First Horizon Bank | 6.16% | 0.74% | 11.2% | B |
| 30 | Old National Bank | 5.91% | 0.72% | 11.3% | B |
| 31 | FirstBank Puerto Rico | 5.81% | 0.65% | 10.0% | B |
| 32 | Beacon Bank and Trust | 5.61% | 0.70% | 11.3% | C |
| 33 | Bank of Hope | 5.61% | 0.75% | 12.5% | C |
| 34 | CIBC Bank USA | 5.16% | 0.94% | 17.4% | B |
| 35 | Webster Bank | 5.15% | 0.63% | 11.3% | B |
| 36 | Valley National Bank | 5.09% | 0.70% | 12.8% | C |
| 37 | Regions Bank | 4.99% | 0.61% | 11.3% | B |
| 38 | Apple Bank | 4.97% | 0.42% | 8.2% | C |
| 39 | American Express National Bank | 4.96% | 0.57% | 8.7% | B |
| 40 | The Huntington National Bank | 4.89% | 0.63% | 11.7% | B |
| 41 | PNC Bank | 4.85% | 0.55% | 10.5% | B |
| 42 | Renasant Bank | 4.85% | 0.79% | 15.1% | B |
| 43 | Texas Capital Bank | 4.73% | 0.56% | 10.9% | B |
| 44 | HSBC Bank USA | 4.72% | 0.47% | 9.8% | B |
| 45 | First Interstate Bank | 4.69% | 0.62% | 12.4% | B |
| 46 | Fulton Bank | 4.55% | 0.55% | 11.0% | A |
| 47 | KeyBank National Association | 4.50% | 0.49% | 10.1% | A |
| 48 | Simmons Bank | 4.50% | 0.63% | 13.0% | B |
| 49 | Northwest Bank | 4.31% | 0.54% | 11.7% | A |
| 50 | City National Bank | 4.29% | 0.53% | 11.7% | B |
| 51 | TD Bank USA | 4.14% | 0.59% | 11.5% | C |
| 52 | WaFd Bank | 4.13% | 0.48% | 10.9% | A |
| 53 | Provident Bank | 4.13% | 0.55% | 12.7% | B |
| 54 | Goldman Sachs Bank USA | 4.06% | 0.35% | 8.5% | B |
| 55 | First National Bank of Omaha | 3.99% | 0.56% | 11.2% | B |
| 56 | TriState Capital Bank | 3.97% | 0.29% | 7.1% | C |
| 57 | Cathay Bank | 3.90% | 0.53% | 12.8% | A |
| 58 | Bank of America | 3.89% | 0.37% | 9.0% | B |
| 59 | TD Bank | 3.76% | 0.57% | 14.5% | B |
| 60 | JPMorgan Chase Bank | 3.75% | 0.34% | 8.4% | A |
| 61 | Zions Bancorporation, N.A. | 3.69% | 0.33% | 8.3% | B |
| 62 | WesBanco Bank, Inc. | 3.69% | 0.59% | 15.3% | B |
| 63 | Truist Bank | 3.66% | 0.46% | 11.7% | B |
| 64 | BMO Bank National Association | 3.63% | 0.57% | 14.9% | B |
| 65 | Community Bank | 3.58% | 0.35% | 9.4% | B |
| 66 | Wilmington Savings Fund Society, FSB | 3.52% | 0.45% | 12.1% | A |
| 67 | Fifth Third Bank | 3.51% | 0.48% | 12.6% | B |
| 68 | Sallie Mae Bank | 3.46% | 0.52% | 10.3% | B |
| 69 | Axos Bank | 3.38% | 0.36% | 9.6% | B |
| 70 | First Financial Bank | 3.37% | 0.47% | 13.0% | A |
| 71 | Hancock Whitney Bank | 3.31% | 0.43% | 12.2% | B |
| 72 | First Merchants Bank | 3.25% | 0.45% | 12.9% | B |
| 73 | Pinnacle Bank | 3.24% | 0.41% | 11.8% | B |
| 74 | SouthState Bank | 3.22% | 0.48% | 14.1% | A |
| 75 | Customers Bank | 3.20% | 0.30% | 8.9% | B |
| 76 | Columbia Bank | 3.18% | 0.41% | 12.1% | B |
| 77 | Raymond James Bank | 3.14% | 0.25% | 7.2% | B |
| 78 | Eastern Bank | 3.13% | 0.45% | 13.3% | B |
| 79 | Seacoast National Bank | 3.09% | 0.47% | 14.3% | B |
| 80 | Morgan Stanley Bank | 3.04% | 0.33% | 10.7% | A |
| 81 | Centennial Bank | 3.03% | 0.57% | 17.5% | A |
| 82 | Ameris Bank | 2.96% | 0.46% | 14.4% | A |
| 83 | Citibank | 2.88% | 0.28% | 8.9% | B |
| 84 | Associated Bank | 2.82% | 0.32% | 10.6% | B |
| 85 | United Community Bank | 2.78% | 0.36% | 12.0% | B |
| 86 | The Central Trust Bank | 2.70% | 0.26% | 9.0% | A |
| 87 | BOKF | 2.46% | 0.27% | 10.5% | B |
| 88 | Banner Bank | 2.45% | 0.32% | 11.9% | A |
| 89 | Rockland Trust Company | 2.42% | 0.40% | 15.7% | A |
| 90 | East West Bank | 2.39% | 0.26% | 10.0% | A |
| 91 | FirstBank | 2.35% | 0.38% | 15.5% | C |
| 92 | Morgan Stanley Private Bank | 2.21% | 0.17% | 7.6% | B |
| 93 | Atlantic Union Bank | 2.19% | 0.36% | 15.5% | A |
| 94 | Third Federal Savings and Loan Association of Cleveland | 2.12% | 0.22% | 10.0% | B |
| 95 | UMB Bank | 2.11% | 0.24% | 10.6% | A |
| 96 | United Bank | 1.92% | 0.34% | 16.6% | A |
| 97 | First National Bank of Pennsylvania | 1.89% | 0.27% | 13.4% | B |
| 98 | Frost Bank | 1.85% | 0.17% | 8.6% | A |
| 99 | Busey Bank | 1.78% | 0.26% | 13.7% | A |
| 100 | Glacier Bank | 1.76% | 0.25% | 13.4% | A |
| 101 | Mechanics Bank | 1.75% | 0.25% | 13.7% | A |
| 102 | TowneBank | 1.68% | 0.23% | 12.9% | B |
| 103 | Deutsche Bank Trust Company Americas | 1.58% | 0.39% | 24.8% | A |
| 104 | First Hawaiian Bank | 1.50% | 0.18% | 11.4% | A |
| 105 | Prosperity Bank | 1.45% | 0.28% | 18.4% | A |
| 106 | Bank of Hawaii | 1.35% | 0.11% | 7.4% | B |
| 107 | UBS Bank USA | 1.19% | 0.09% | 7.4% | B |
| 108 | Optum Bank, Inc. | 0.89% | 0.13% | 14.6% | A |
| 109 | Commerce Bank | 0.87% | 0.10% | 10.8% | A |
| 110 | The Northern Trust Company | 0.83% | 0.06% | 6.6% | C |
| 111 | Toyota Financial Savings Bank | 0.79% | 0.09% | 10.6% | B |
| 112 | State Street Bank and Trust Company | 0.75% | 0.06% | 7.4% | B |
| 113 | SoFi Bank | 0.56% | 0.07% | 12.7% | A |
| 114 | BNY Mellon | 0.37% | 0.04% | 11.4% | B |
| 115 | Ameriprise Bank, FSB | 0.27% | 0.02% | 5.9% | B |
| 116 | The Bank of New York Mellon | 0.19% | 0.01% | 6.2% | B |
| 117 | Charles Schwab Bank, SSB | 0.18% | 0.01% | 7.5% | B |
| 118 | Charles Schwab Premier Bank, SSB | 0.00% | 0.00% | 7.4% | B |
Source: FDIC BankFind Suite API, Q1 2026 (call report dated March 31, 2026). Data as of June 2026.
Frequently asked questions
Is a high Texas Ratio a sign a bank will fail?
A high Texas Ratio means problem assets are large relative to the capital and reserves that would absorb them, and historically very high ratios have flagged banks under stress. But it is not a prediction of failure: classification of 'nonperforming' assets varies (some are government-guaranteed or well-collateralised), the ratio uses one quarterly snapshot, and large banks with high ratios may still be well capitalised. Read it alongside capital ratios and earnings, not in isolation.
Are my deposits at risk if my bank has a high Texas Ratio?
Your insured deposits are protected by the FDIC up to $250,000 per depositor, per bank, per ownership category no matter what a bank's Texas Ratio is. The ratio describes balance-sheet stress, not whether your covered money is safe. If you hold more than the limit at one bank, use the coverage calculator to structure accounts so all of it is insured.
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Last updated: 2026-06-20