Investing Answers Building and Protecting Your Wealth through Education Publisher of The Next Banks That Could Fail
Investing Answers Building and Protecting Your Wealth through Education Publisher of The Next Banks That Could Fail

The 442 Banks In Immediate Danger of Failure -- 3Q 2010

This information was last updated on February 22, 2011 and only shows through 3Q of 2010. To view our newest list, check out Is Your Bank at Risk of Failing?

Note to Readers: We originally posted this article mid-day on June 9, 2010. Since then, Andy's list has predicted all but seven of the bank failures announced by the FDIC.

We've updated Andy's list using third-quarter data reported by all 7,760 of the nation's banking institutions. And because your hard-earned savings depend on it, we are committed to updating this article and list regularly so that you can have the most timely and relevant information at your fingertips.

Please bookmark this page and check back often to see the updated status of the banks on the list.
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We all know the economy is complex, but most people have one very simple question:

Are things getting better or worse?

There's no shortage of answers. Some would point to the stock market, which has managed to tack on some late-year gains after remaining flat for most of 2010 and say that's a good sign. Others might be pleased to note that GDP growth, while a far cry from "robust," isn't "anemic," either.

Anyone looking for signs the economy is getting better can find reasonably credible evidence to bolster the claim.

That's the good news.

The bad news is that there is plenty of evidence to suggest that any recovery has stalled and that things aren't getting any better. Anyone who holds to this school of thought might mention that investors are still bidding up gold, a hard asset, suggesting a lack of confidence in everything else. And unemployment is still very high, at nearly 10%.

But the most important evidence about the economy, in my view, is not the stock market.

It's not growth.

It's not even the jobless rate.

It's the health of our nation's banks.  And they're getting worse, not better.

Oh, they're making money -- barely. The latest round of data from the Federal Deposit Insurance Corp. shows that banks' collective third-quarter profit of $14.5 billion was -32.9% lower than the $21.6 billion in net earnings in the second quarter. That's a pretty tepid return, only +0.11%, on banks' $13.4 trillion in assets. Walmart, by comparison, earns 8.9% on its assets. Apple earns 18.7%. To put it another way, it gets 170 times the return on its assets that banks are able to accomplish.
 
To make matters worse, banks have less cash in the loss reserves they keep on hand to cover bad loans, the first such decline since 2006. Total reserves dropped -$9.6 billion, diminishing the capital cushion that keeps good banks comfortable and mediocre banks solvent.
 
All in all, the FDIC said it now has 860 financial institutions on its "Problem Bank" list, up from 829 in the previous quarter and the highest number of troubled banks in 17 years.

What does it mean? It means we're in for a long, hard slog.

The last time the "Problem Banks" list reached this size, it took five years -- and more than 1,000 bank failures -- for things to return to normal. Incidentally, that presents a real problem for the FDIC, which now has only $8 billion in its deposit insurance fund, down -47.4% from just 90 days before.

The U.S. has 7,760 banks. The FDIC has put 860 of them on its "Problem Bank" list. But that factoid doesn't help you, because the feds don't divulge the list, and there aren't any easy ways for consumers to find out what shape their bank is in. The reality is it's nearly impossible to know if your bank is in trouble.

That's a big risk to take given that there's a one-in-eleven chance your bank's on the FDIC's list!

Using a special metric, though, I can help allay your fears. This measurement, known as the Texas ratio, is nearly magical in its ability to predict bank failures.

The Texas ratio is calculated by adding up a bank's nonperforming assets (real estate and past-due loans) and dividing by the sum of a conservative capital measurement known as "tangible common equity" and a bank's loss reserves. Failure risk rises as the ratio approaches 1.0. Any bank with a Texas ratio of less than 0.50 can be considered pretty safe by this measure.

One bit of good news is that the 20 publicly traded banks in the S&P 500 have low Texas ratios.
 

InstitutionTickerTexas Ratio
Northern TrustNTRS0.03
People's UnitedPBCT0.14
Hudson City BancorpHCBK0.16
ComericaCMA0.21
Fifth ThirdFITB0.18
CitigroupC0.16
KeybankKEY0.18
M&TMTB0.05
First HorizonFHN0.30
Marshall & IlsleyMI0.30
Regions FinancialRF0.34
Zions BancorpZION0.42
J.P. Morgan ChaseJPM0.31
PNC FinancialPNC0.27
BB&TBBT0.04
HuntingtonHBAN0.25
SuntrustSTI0.33
Bank of AmericaBAC0.35
US BankUSB0.27
Wells FargoWFC0.45

These large banks are strong. Too many others, however, are not.

In fact, using this highly accurate barometer of bank health, I've reassured myself that my own bank -- the highly excellent Amarillo National -- is safe and sound. But I've also made a list of the top ten banks most likely to fail.

The Top Ten Banks in Danger of Failure as of February 14, 2011 are:

  1. Chestatee State Bank, Dawsonville, GA -- Failed 12/17/10
  2. Montgomery Bank & Trust, Ailey, GA
  3. Enterprise Banking Company, Mcdonough, GA -- Failed 1/24/11
  4. First Sound Bank, Seattle, WA
  5. North Georgia Bank, Watkinsville, GA -- Failed 2/7/11
  6. Habersham Bank, Clarkesville, GA -- Failed 2/18/11
  7. Georgia Heritage Bank, Dallas, GA
  8. American Trust Bank, Roswell, GA -- Failed 2/7/11
  9. Oglethorpe Bank, Brunswick, GA -- Failed 1/17/11
  10. The First State Bank, Stockbridge, GA

I don't want to see any bank go under. But the fact is many have and many more will as the financial system works through its mountain of bad loans. The best way to predict which banks are in hot water is to use the Texas ratio.

With only five exceptions, every bank that has failed in the second or third quarter has had a Texas ratio greater than 0.90. So using 0.90 as a logical cutoff, we've assembled a list of the 442 banks that are in immediate danger of failure due to their high Texas ratios. Please check to see if your bank is on the list. If it is, you might want to consider moving your account to a safer bank, especially if you have more than the FDIC limit of $250,000 on deposit!

If your bank isn't listed but you'd still like to check on its condition, please email me at Andy@streetauthority.com with the name of your bank and the town where it is based.  I'll send you its specific Texas ratio based on the latest regulatory data so you can determine whether you're comfortable with your bank's financial condition. (Don't worry, it's a free service brought to you by InvestingAnswers.com.) 

One more thing: You may notice that there are no credit unions on this list. Credit unions are an entirely different animal, and therefore are regulated differently. If you bank at a credit union and want to check out its books, you can visit the National Credit Union Administration Financial Performance Report.

And again, if you have friends or loved ones who bank at one of the listed institutions, please pass this information along to them promptly via the "email" button at the bottom of this page.




Texas  Ratio

Name

City

State

3.66Nexity BankBirminghamAL
1.45First Tuskegee BankTuskegeeAL
1.22North Alabama BankHazel GreenAL
1.10First Financial BankBessemerAL
1.08EvaBankEvaAL
1.00Community Bank and Trust - AlabamaUnion SpringsAL
1.00Heritage First BankOrange BeachAL
2.47Metropolitan National BankLittle RockAR
1.48First Federal BankHarrisonAR
0.96United BankSpringdaleAR
3.07Legacy Bank -- Failed 1/7/11ScottsdaleAZ
2.57Sunrise Bank of ArizonaPhoenixAZ
1.65Central Arizona BankCasa GrandeAZ
1.56SunBank, National AssociationPhoenixAZ
1.32Western National BankPhoenixAZ
1.21Goldwater BankScottsdaleAZ
1.12Summit BankPrescottAZ
1.05Mohave State BankLake Havasu CityAZ
0.98Heritage BankPhoenixAZ
3.29Canyon National Bank -- Failed 2/11/11Palm SpringsCA
3.16Palm Desert National BankPalm DesertCA
1.90Delta Bank, National AssociationMantecaCA
1.48Gateway BankSan FranciscoCA
1.42San Luis Trust Bank, FSB -- Failed 2/18/11San Luis ObispoCA
1.24Citizens Bank of Northern CaliforniaNevada CityCA
1.16Charter Oak Bank -- Failed 2/18/11NapaCA
1.15Pacific Capital BankSanta BarbaraCA
1.15Monterey County BankMontereyCA
1.13Santa Lucia BankAtascaderoCA
1.10Golden Security BankRosemeadCA
1.02Ventura County  Business BankOxnardCA
0.95Mission Oaks National BankTemeculaCA
4.04FirsTier Bank -- Failed 1/28/11LouisvilleCO
1.79Signature BankWindsorCO
1.57Rocky Mountain Bank & Trust FlorenceFlorenceCO
1.57Bank of ChoiceGreeleyCO
1.44Champion BankParkerCO
1.39Advantage BankLovelandCO
1.34Community Banks of ColoradoGreenwood VillageCO
1.30Park State Bank & TrustWoodland ParkCO
1.20The Pueblo Bank and Trust CompanyPuebloCO
1.09Farmers BankAultCO
1.07Integrity Bank & TrustMonumentCO
1.04Peoples National BankColorado SpringsCO
0.97Academy BankColorado SpringsCO
0.95Pikes Peak National BankColorado SpringsCO
2.34Patriot National BankStamfordCT
1.66The Wilton BankWiltonCT
1.92Independence Federal Savings BankWashingtonDC
1.26Adams National BankWashingtonDC
4.53The Bank of Miami, N.A. -- Failed 12/17/10Coral GablesFL
3.18Sunshine State Community Bank -- Failed 2/11/11Port OrangeFL
2.95The First National Bank of FloridaMiltonFL
2.69First City Bank of FloridaFort Walton BeachFL
2.68First Guaranty Bank and Trust Company of JacksonvilleJacksonvilleFL
2.66First Commercial Bank of Florida -- Failed 1/7/11OrlandoFL
2.65OptimumBankPlantationFL
2.47Home Federal Bank of HollywoodHallandale BeachFL
2.35Gulf Coast Community BankPensacolaFL
2.25Cortez Community BankBrooksvilleFL
2.11Putnam State BankPalatkaFL
2.10Superior BankTampaFL
2.09Beach Community BankFort Walton BeachFL
2.07First National Bank of Central FloridaWinter ParkFL
1.94Coastal BankMerritt IslandFL
1.76Bank of Jackson CountyGracevilleFL
1.71Southern Commerce Bank, National AssociationTampaFL
1.70Heritage Bank of North FloridaOrange ParkFL
1.68TransCapital BankHallandale BeachFL
1.67Ocean BankMiamiFL
1.65Southshore Community BankApollo BeachFL
1.65First Commercial Bank of Tampa BayTampaFL
1.61First East Side Savings BankTamaracFL
1.51EuroBankCoral GablesFL
1.47GulfSouth Private BankDestinFL
1.43Florida Capital Bank, National AssociationJacksonvilleFL
1.39Bank of Coral GablesCoral GablesFL
1.36The Bank of CommerceSarasotaFL
1.35LandMark Bank of FloridaSarasotaFL
1.33Sunrise BankCocoa BeachFL
1.31Security Bank, National AssociationNorth LauderdaleFL
1.31First National Bank of CrestviewCrestviewFL
1.30First Community Bank of Southwest FloridaFort MyersFL
1.29Great Florida BankCoral GablesFL
1.28Fidelity Bank of Florida, National AssociationMerritt IslandFL
1.23First Peoples BankPort St. LucieFL
1.14Vision BankPanama CityFL
1.12Independent Banker's Bank of FloridaLake MaryFL
1.11Central Florida State BankBelleviewFL
1.06U. S. Century BankDoralFL
1.04Flagler BankWest Palm BeachFL
1.04The Royal Palm Bank of FloridaNaplesFL
1.04First Home BankSeminoleFL
1.00Marine Bank & Trust CompanyVero BeachFL
0.98First Capital BankMariannaFL
0.96Community Bank of BrowardDania BeachFL
0.96Community Bank of FloridaHomesteadFL
0.94Premier BankTallahasseeFL
0.93Cornerstone Community BankSt. PetersburgFL
0.93First Community Bank of AmericaPinellas ParkFL
0.92BankAtlanticFort LauderdaleFL
0.90Anchor Commercial BankNorth Palm BeachFL
0.90Lydian Private BankPalm BeachFL
10.85Chestatee State Bank -- Failed 12/17/10DawsonvilleGA
9.05Montgomery Bank & TrustAileyGA
8.26Enterprise Banking Company -- Failed 1/24/11McdonoughGA
7.33North Georgia Bank -- Failed 2/7/11WatkinsvilleGA
6.74Habersham Bank -- Failed 2/18/11ClarkesvilleGA
6.48Georgia Heritage BankDallasGA
5.72American Trust Bank -- Failed 2/7/11RoswellGA
5.66Oglethorpe Bank -- Failed 1/17/11BrunswickGA
5.37The First State BankStockbridgeGA
5.31Douglas County BankDouglasvilleGA
4.87United Americas Bank, N.A. -- Failed 12/17/10AtlantaGA
4.71Security Exchange BankMariettaGA
4.58CreekSide BankWoodstockGA
4.19McIntosh State BankJacksonGA
4.14Mountain Heritage BankClaytonGA
4.05Patriot Bank of GeorgiaCummingGA
3.68Citizens Bank of Effingham -- Failed 2/18/11SpringfieldGA
3.65The Park Avenue BankValdostaGA
3.27Gwinnett Community BankDuluthGA
3.25Atlantic Southern BankMaconGA
3.08High Trust BankStockbridgeGA
3.03Piedmont Community BankGrayGA
2.96First Cherokee State BankWoodstockGA
2.96New Horizons BankEast EllijayGA
2.75Community Bank of RockmartRockmartGA
2.74First Choice Community BankDallasGA
2.71Providence BankAlpharettaGA
2.54Decatur First BankDecaturGA
2.53Bartow County BankCartersvilleGA
2.47Georgia Trust BankBufordGA
2.27Farmers & Merchants BankLakelandGA
2.26Hometown Community BankBraseltonGA
2.23One Georgia BankAtlantaGA
2.15The Peoples BankCovingtonGA
2.13Jasper Banking CompanyJasperGA
2.11Community Capital BankJonesboroGA
2.11Northside BankAdairsvilleGA
2.10Legacy State BankLoganvilleGA
2.10Sunrise BankValdostaGA
2.08Peoples Bank & TrustBufordGA
2.03First Citizens Bank of GeorgiaDawsonvilleGA
1.99Community Bank and Trust - West GeorgiaLagrangeGA
1.94The Patterson BankPattersonGA
1.93Capitol City Bank & Trust CompanyAtlantaGA
1.89WestSide BankHiramGA
1.76Heritage BankJonesboroGA
1.74Bank of NewingtonNewingtonGA
1.73Citizens State BankKingslandGA
1.73First Georgia Banking CompanyFranklinGA
1.70First Covenant BankCommerceGA
1.60The First National Bank of ChatsworthChatsworthGA
1.59PlantersFIRSTCordeleGA
1.58The Brand Banking CompanyLawrencevilleGA
1.56Central Bank of GeorgiaEllavilleGA
1.52The Farmers BankForsythGA
1.40First State BankWrensGA
1.38Eastside Commercial BankConyersGA
1.37First Southern National BankStatesboroGA
1.28Covenant Bank & TrustRock SpringGA
1.18Farmers & Merchants BankStatesboroGA
1.17The Trust BankLenoxGA
1.13The Piedmont BankLawrencevilleGA
1.12Affinity BankAtlantaGA
1.09Signature Bank of GeorgiaSandy SpringsGA
1.04Cherokee BankCantonGA
1.00The Heritage BankHinesvilleGA
0.99Frontier BankLagrangeGA
0.97Embassy National BankLawrencevilleGA
0.97First National Bank of GriffinGriffinGA
0.97Global Commerce BankDoravilleGA
0.96The Bank of GeorgiaPeachtree CityGA
0.94Farmers & Merchants BankEatontonGA
0.91Southern BankSardisGA
0.91The Bank of PerryPerryGA
0.90Stephens Federal BankToccoaGA
0.98Central Pacific BankHonoluluHI
2.53Polk County BankJohnstonIA
1.40State Central BankKeokukIA
1.16First BankWest Des MoinesIA
1.03Patriot BankBrooklynIA
0.98First National Bank MidwestOskaloosaIA
0.91Security State BankHubbardIA
1.50Idaho Banking CompanyBoiseID
4.26Builders BankChicagoIL
3.64Valley Community BankSt. CharlesIL
3.10The Bank of CommerceWood DaleIL
2.71Western Springs National Bank and TrustWestern SpringsIL
2.64First National Bank of BrookfieldBrookfieldIL
2.19CenTrust Bank, National AssociationNorthbrookIL
2.09First Bank and Trust Company of IllinoisPalatineIL
2.07Community First Bank - Chicago -- Failed 2/7/11ChicagoIL
1.97American Metro BankChicagoIL
1.79First Choice BankGenevaIL
1.71Family Federal Savings of IllinoisCiceroIL
1.65Downers Grove National BankWestmontIL
1.58The First Commercial BankChicagoIL
1.57DuPage National BankWest ChicagoIL
1.51All American BankDes PlainesIL
1.50Second Federal Savings and Loan Association of ChicagoChicagoIL
1.46FirstSecure Bank and Trust Co.Palos HillsIL
1.42Charter National Bank and TrustHoffman EstatesIL
1.39Chicago Community BankChicagoIL
1.28Baytree National Bank & Trust CompanyLake ForestIL
1.28First Chicago Bank & TrustItascaIL
1.20State Bank of CountrysideCountrysideIL
1.18American Enterprise BankBuffalo GroveIL
1.15HomeStar Bank and FinancialMantenoIL
1.14Brickyard BankLincolnwoodIL
1.13Union National Bank and Trust Company of ElginElginIL
1.13Oxford Bank & TrustOak BrookIL
1.12Archer BankChicagoIL
1.09Bank of ShorewoodShorewoodIL
1.04Edgebrook BankChicagoIL
1.01The Elgin State BankElginIL
1.00First United BankCreteIL
1.00Community Bank-Wheaton/Glen EllynGlen EllynIL
0.99New City BankChicagoIL
0.98Northbrook Bank and TrustNorthbrookIL
0.98The Leaders BankOak BrookIL
0.97McHenry Savings BankMcHenryIL
0.96Waukegan Savings BankWaukeganIL
0.93AztecAmerica BankBerwynIL
0.93Citizens Community Bank of IllinoisBerwynIL
0.91Community Bank of Oak Park River ForestOak ParkIL
0.91First Security Trust and Savings BankElmwood ParkIL
0.90Centrue BankSteatorIL
0.90Inland Bank & TrustOak BrookIL
1.11Integra Bank National AssociationEvansvilleIN
3.07The First National Bank of OlatheOlatheKS
1.38Cornerstone BankOverland ParkKS
1.29Roxbury BankRoxburyKS
1.03Armed Forces Bank, National AssociationFort LeavenworthKS
0.96National Bank of Kansas CityOverland ParkKS
0.95Security Bank of Kansas CityKansas CityKS
0.90Heritage BankTopekaKS
2.33Citizens Commerce National BankVersaillesKY
0.94The Farmers National Bank of CynthianaCynthianaKY
2.24Central Progressive BankLacombeLA
1.95First Bank and TrustNew OrleansLA
1.19The Union BankMarksvilleLA
1.08First National Bank USABoutteLA
1.25Lowell Co-operative BankLowellMA
0.98Athol-Clinton Co-operative BankAtholMA
4.79Eastern Savings Bank, FSBHunt ValleyMD
2.51HarVest Bank of MarylandRockvilleMD
1.41Colombo BankRockvilleMD
1.28Bank of the Eastern ShoreCambridgeMD
1.10American BankGreenbeltMD
1.09Cecil BankElktonMD
0.93Maryland Financial BankTowsonMD
2.20Peoples State Bank -- Failed 2/11/11HamtramckMI
2.03Paramount Bank -- Failed 12/10/10Farmington HillsMI
1.78Michigan Commerce BankAnn ArborMI
1.43Oxford BankOxfordMI
1.43First National Bank in HowellHowellMI
1.42Fidelity BankDearbornMI
1.33Community Central BankMount ClemensMI
1.33Clarkston State BankClarkstonMI
1.32Monarch Community BankColdwaterMI
1.30Capitol National BankLansingMI
1.18Flagstar Bank, FSBTroyMI
1.00Select BankGrand RapidsMI
2.71The RiverBankWyomingMN
2.64Home Savings of AmericaLittle FallsMN
2.13First Resource BankSavageMN
1.94Rosemount National BankRosemountMN
1.59Minnwest Bank MetroEaganMN
1.49Eagle Community BankMaple GroveMN
1.48Americana Community BankSleepy EyeMN
1.47Premier Bank MinnesotaFarmingtonMN
1.45Premier BankMaplewoodMN
1.38State Bank of CokatoCokatoMN
1.37First Commercial BankBloomingtonMN
1.33State Bank of DelanoDelanoMN
1.32Premier Bank RochesterRochesterMN
1.31Community National Bank -- Failed 12/17/10Lino LakesMN
1.27Patriot Bank MinnesotaWyomingMN
1.24Riverland BankJordanMN
1.21Prime Security BankKarlstadMN
1.20Inter Savings Bank, fsb D/B/A InterbankMaple GroveMN
1.16Security State Bank of KenyonKenyonMN
1.14American National Bank of MinnesotaBaxterMN
1.13VisionBankSaint Louis ParkMN
1.111st Regents BankAndoverMN
1.11North Star BankRosevilleMN
1.03BankCherokeeSaint PaulMN
1.02Lakeview BankLakevilleMN
1.00Lake Area BankLindstromMN
0.97BankwestRockfordMN
0.96Highland BankSaint MichaelMN
0.94Great Northern BankSaint MichaelMN
0.90Neighborhood National BankAlexandriaMN
2.10Sun Security BankEllingtonMO
1.90The Bank of Macks CreekMacks CreekMO
1.85Bank Midwest, National AssociationKansas CityMO
1.84Truman BankSt. LouisMO
1.71Community Bank of the OzarksSunrise BeachMO
1.541st Advantage BankSaint PetersMO
1.40Citizens National Bank of SpringfieldSpringfieldMO
1.27Meramec Valley BankValley ParkMO
1.23St. Louis BankTown And CountryMO
1.15Heartland BankSaint LouisMO
1.14Lead BankGarden CityMO
1.10Village BankSpringfieldMO
1.09Union BankKansas CityMO
1.01Patriots BankLibertyMO
0.94Bank of BeltonBeltonMO
0.92The Bank of VersaillesVersaillesMO
0.91Reliance BankDes PeresMO
1.51Heritage Banking GroupCarthageMS
1.64First Citizens Bank of Polson, National AssociationPolsonMT
1.54Freedom BankColumbia FallsMT
1.26American BankBozemanMT
1.19Bank of BozemanBozemanMT
1.13Treasure State BankMissoulaMT
3.30The Bank of Asheville -- Failed 1/24/11AshevilleNC
2.83Blue Ridge Savings Bank, Inc.AshevilleNC
2.67Communityone Bank, National AssociationAsheboroNC
2.35The Bank of CurrituckMoyockNC
2.19Pisgah Community BankAshevilleNC
1.82Nantahala Bank & Trust CompanyFranklinNC
1.60Bank of GraniteGranite FallsNC
1.54Cornerstone BankWilsonNC
1.21NewDominion BankCharlotteNC
1.20Security Savings Bank, SSBSouthportNC
1.14Waccamaw BankWhitevilleNC
1.09Parkway BankLenoirNC
0.94Greystone BankRaleighNC
0.97Cornerstone BankEnderlinND
0.91Citizen State Bank - MidwestCavalierND
1.04FirsTier BankKimballNE
1.02Mid City Bank, Inc.OmahaNE
0.95Amboy BankOld BridgeNJ
2.52Sunrise Bank of AlbuquerqueAlbuquerqueNM
1.89First Community Bank -- Failed 1/28/11TaosNM
0.99Bank 1stAlbuquerqueNM
3.04Nevada Commerce BankLas VegasNV
3.011st Commerce BankNorth Las VegasNV
2.81Bank of Las VegasLas VegasNV
1.24Bank of North Las VegasNorth Las VegasNV
1.13First Security Bank of NevadaLas VegasNV
1.04Bank of GeorgeLas VegasNV
0.91First Asian BankLas VegasNV
1.60Bank of SmithtownSmithtownNY
1.46Community Federal Savings BankWoodhavenNY
1.23First Central Savings BankGlen CoveNY
1.23Carver Federal Savings BankNew YorkNY
1.22Brooklyn Federal Savings BankBrooklynNY
1.20Emigrant Savings Bank - Long IslandWestburyNY
1.05The Upstate National BankLisbonNY
0.94Emigrant Savings Bank - Brooklyn/QueensBrooklynNY
1.86Columbia Savings BankCincinnatiOH
1.51United Midwest Savings BankDe GraffOH
1.28The Ohio State BankMarionOH
1.09Benchmark BankGahannaOH
1.01Ripley Federal Savings BankRipleyOH
0.94Park View Federal Savings BankSolonOH
0.93Liberty Savings BankWilmingtonOH
2.44Liberty Federal Savings BankEnidOK
1.81First Capital BankGuthrieOK
0.99The State Exchange BankLamontOK
0.93First Texoma National BankDurantOK
1.95MBankGreshamOR
1.54Albina Community BankPortlandOR
1.19Pacific West BankWest LinnOR
1.02Bank of the CascadesBendOR
2.04Earthstar Bank -- Failed 12/10/10SouthamptonPA
1.61First CornerStone BankKing Of PrussiaPA
1.45Public Savings BankHuntingdon VallePA
0.94Stonebridge BankExtonPA
1.00Doral BankSan JuanPR
0.95Firstbank of Puerto RicoSanturcePR
2.62Atlantic Bank and TrustCharlestonSC
2.56Carolina Federal Savings BankCharlestonSC
2.45CommunitySouth Bank and Trust -- Failed 1/24/11EasleySC
1.99Plantation Federal BankPawleys IslandSC
1.79BankMeridian, N.A.ColumbiaSC
1.78First South BankSpartanburgSC
1.48The Palmetto BankLaurensSC
1.17South Carolina Community BankColumbiaSC
0.94Independence National BankGreenvilleSC
1.49First Midwest BankCentervilleSD
0.96Great Western BankWatertownSD
3.13American Patriot BankGreenevilleTN
1.48Sevier County BankSeviervilleTN
1.41Community South BankParsonsTN
1.29Bank of BartlettBartlettTN
1.26The Citizens Bank of East TennesseeRogersvilleTN
1.15Mountain National BankSeviervilleTN
1.05INSOUTH BankBrownsvilleTN
1.00Tennessee State BankPigeon ForgeTN
1.48Park Cities BankDallasTX
1.44Equity Bank,SSBDallasTX
1.31Prosper BankProsperTX
1.29First International BankPlanoTX
1.25Treaty Oak BankAustinTX
1.18Lone Star BankHoustonTX
1.09Synergy BankMcKinneyTX
1.05Jefferson BankDallasTX
0.96Inter National BankMcallenTX
1.98Gunnison Valley BankGunnisonUT
1.46The Village BankSaint GeorgeUT
1.46First Utah BankSalt Lake CityUT
1.40Frontier BankPark CityUT
1.40SunFirst BankSaint GeorgeUT
1.03Liberty BankSalt Lake CityUT
0.95Holladay Bank & TrustSalt Lake CityUT
1.26The Peoples BankEwingVA
1.09Bank of Hampton RoadsNorfolkVA
1.06Millennium Bank, National AssociationSterlingVA
0.91Central Virginia BankPowhatanVA
7.66First Sound BankSeattleWA
2.82Seattle BankSeattleWA
2.73First Heritage BankSnohomishWA
2.46HomeStreet BankSeattleWA
1.82AmericanWest BankSpokaneWA
1.70Viking BankSeattleWA
1.67Westside Community BankUniversity PlaceWA
1.51Regal Financial BankSeattleWA
1.49Business BankBurlingtonWA
1.31Mountain Pacific BankEverettWA
1.25The Bank of WashingtonLynnwoodWA
1.12Prime Pacific Bank, National AssociationLynnwoodWA
1.11Sterling Savings BankSpokaneWA
1.09Bank of WhitmanColfaxWA
1.94Evergreen State Bank -- Failed 1/28/11StoughtonWI
1.70Legacy BankMilwaukeeWI
1.34AnchorBankMadisonWI
1.22Citizens State BankHudsonWI
1.22Badger State Bank -- Failed 2/11/11CassvilleWI
1.19Eagle Valley BankSt. Croix FallsWI
1.07Southport BankKenoshaWI
1.05Mitchell BankMilwaukeeWI
0.97Bank of WisconsinKenoshaWI
0.95Bank of WausauWausauWI
0.93Security State BankIron RiverWI
0.91RidgeStone BankBrookfieldWI
0.91Rocky Mountain BankWilsonWY

If you have friends or loved ones who may bank at any of these institutions, please forward them our list via the email button above.