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.
-------------------------------------------------------------------------------------------------------------------------------

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.
 

Institution Ticker Texas Ratio
Northern Trust NTRS 0.03
People's United PBCT 0.14
Hudson City Bancorp HCBK 0.16
Comerica CMA 0.21
Fifth Third FITB 0.18
Citigroup C 0.16
Keybank KEY 0.18
M&T MTB 0.05
First Horizon FHN 0.30
Marshall & Ilsley MI 0.30
Regions Financial RF 0.34
Zions Bancorp ZION 0.42
J.P. Morgan Chase JPM 0.31
PNC Financial PNC 0.27
BB&T BBT 0.04
Huntington HBAN 0.25
Suntrust STI 0.33
Bank of America BAC 0.35
US Bank USB 0.27
Wells Fargo WFC 0.45

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

3.66 Nexity Bank Birmingham AL
1.45 First Tuskegee Bank Tuskegee AL
1.22 North Alabama Bank Hazel Green AL
1.10 First Financial Bank Bessemer AL
1.08 EvaBank Eva AL
1.00 Community Bank and Trust - Alabama Union Springs AL
1.00 Heritage First Bank Orange Beach AL
2.47 Metropolitan National Bank Little Rock AR
1.48 First Federal Bank Harrison AR
0.96 United Bank Springdale AR
3.07 Legacy Bank -- Failed 1/7/11 Scottsdale AZ
2.57 Sunrise Bank of Arizona Phoenix AZ
1.65 Central Arizona Bank Casa Grande AZ
1.56 SunBank, National Association Phoenix AZ
1.32 Western National Bank Phoenix AZ
1.21 Goldwater Bank Scottsdale AZ
1.12 Summit Bank Prescott AZ
1.05 Mohave State Bank Lake Havasu City AZ
0.98 Heritage Bank Phoenix AZ
3.29 Canyon National Bank -- Failed 2/11/11 Palm Springs CA
3.16 Palm Desert National Bank Palm Desert CA
1.90 Delta Bank, National Association Manteca CA
1.48 Gateway Bank San Francisco CA
1.42 San Luis Trust Bank, FSB -- Failed 2/18/11 San Luis Obispo CA
1.24 Citizens Bank of Northern California Nevada City CA
1.16 Charter Oak Bank -- Failed 2/18/11 Napa CA
1.15 Pacific Capital Bank Santa Barbara CA
1.15 Monterey County Bank Monterey CA
1.13 Santa Lucia Bank Atascadero CA
1.10 Golden Security Bank Rosemead CA
1.02 Ventura County  Business Bank Oxnard CA
0.95 Mission Oaks National Bank Temecula CA
4.04 FirsTier Bank -- Failed 1/28/11 Louisville CO
1.79 Signature Bank Windsor CO
1.57 Rocky Mountain Bank & Trust Florence Florence CO
1.57 Bank of Choice Greeley CO
1.44 Champion Bank Parker CO
1.39 Advantage Bank Loveland CO
1.34 Community Banks of Colorado Greenwood Village CO
1.30 Park State Bank & Trust Woodland Park CO
1.20 The Pueblo Bank and Trust Company Pueblo CO
1.09 Farmers Bank Ault CO
1.07 Integrity Bank & Trust Monument CO
1.04 Peoples National Bank Colorado Springs CO
0.97 Academy Bank Colorado Springs CO
0.95 Pikes Peak National Bank Colorado Springs CO
2.34 Patriot National Bank Stamford CT
1.66 The Wilton Bank Wilton CT
1.92 Independence Federal Savings Bank Washington DC
1.26 Adams National Bank Washington DC
4.53 The Bank of Miami, N.A. -- Failed 12/17/10 Coral Gables FL
3.18 Sunshine State Community Bank -- Failed 2/11/11 Port Orange FL
2.95 The First National Bank of Florida Milton FL
2.69 First City Bank of Florida Fort Walton Beach FL
2.68 First Guaranty Bank and Trust Company of Jacksonville Jacksonville FL
2.66 First Commercial Bank of Florida -- Failed 1/7/11 Orlando FL
2.65 OptimumBank Plantation FL
2.47 Home Federal Bank of Hollywood Hallandale Beach FL
2.35 Gulf Coast Community Bank Pensacola FL
2.25 Cortez Community Bank Brooksville FL
2.11 Putnam State Bank Palatka FL
2.10 Superior Bank Tampa FL
2.09 Beach Community Bank Fort Walton Beach FL
2.07 First National Bank of Central Florida Winter Park FL
1.94 Coastal Bank Merritt Island FL
1.76 Bank of Jackson County Graceville FL
1.71 Southern Commerce Bank, National Association Tampa FL
1.70 Heritage Bank of North Florida Orange Park FL
1.68 TransCapital Bank Hallandale Beach FL
1.67 Ocean Bank Miami FL
1.65 Southshore Community Bank Apollo Beach FL
1.65 First Commercial Bank of Tampa Bay Tampa FL
1.61 First East Side Savings Bank Tamarac FL
1.51 EuroBank Coral Gables FL
1.47 GulfSouth Private Bank Destin FL
1.43 Florida Capital Bank, National Association Jacksonville FL
1.39 Bank of Coral Gables Coral Gables FL
1.36 The Bank of Commerce Sarasota FL
1.35 LandMark Bank of Florida Sarasota FL
1.33 Sunrise Bank Cocoa Beach FL
1.31 Security Bank, National Association North Lauderdale FL
1.31 First National Bank of Crestview Crestview FL
1.30 First Community Bank of Southwest Florida Fort Myers FL
1.29 Great Florida Bank Coral Gables FL
1.28 Fidelity Bank of Florida, National Association Merritt Island FL
1.23 First Peoples Bank Port St. Lucie FL
1.14 Vision Bank Panama City FL
1.12 Independent Banker's Bank of Florida Lake Mary FL
1.11 Central Florida State Bank Belleview FL
1.06 U. S. Century Bank Doral FL
1.04 Flagler Bank West Palm Beach FL
1.04 The Royal Palm Bank of Florida Naples FL
1.04 First Home Bank Seminole FL
1.00 Marine Bank & Trust Company Vero Beach FL
0.98 First Capital Bank Marianna FL
0.96 Community Bank of Broward Dania Beach FL
0.96 Community Bank of Florida Homestead FL
0.94 Premier Bank Tallahassee FL
0.93 Cornerstone Community Bank St. Petersburg FL
0.93 First Community Bank of America Pinellas Park FL
0.92 BankAtlantic Fort Lauderdale FL
0.90 Anchor Commercial Bank North Palm Beach FL
0.90 Lydian Private Bank Palm Beach FL
10.85 Chestatee State Bank -- Failed 12/17/10 Dawsonville GA
9.05 Montgomery Bank & Trust Ailey GA
8.26 Enterprise Banking Company -- Failed 1/24/11 Mcdonough GA
7.33 North Georgia Bank -- Failed 2/7/11 Watkinsville GA
6.74 Habersham Bank -- Failed 2/18/11 Clarkesville GA
6.48 Georgia Heritage Bank Dallas GA
5.72 American Trust Bank -- Failed 2/7/11 Roswell GA
5.66 Oglethorpe Bank -- Failed 1/17/11 Brunswick GA
5.37 The First State Bank Stockbridge GA
5.31 Douglas County Bank Douglasville GA
4.87 United Americas Bank, N.A. -- Failed 12/17/10 Atlanta GA
4.71 Security Exchange Bank Marietta GA
4.58 CreekSide Bank Woodstock GA
4.19 McIntosh State Bank Jackson GA
4.14 Mountain Heritage Bank Clayton GA
4.05 Patriot Bank of Georgia Cumming GA
3.68 Citizens Bank of Effingham -- Failed 2/18/11 Springfield GA
3.65 The Park Avenue Bank Valdosta GA
3.27 Gwinnett Community Bank Duluth GA
3.25 Atlantic Southern Bank Macon GA
3.08 High Trust Bank Stockbridge GA
3.03 Piedmont Community Bank Gray GA
2.96 First Cherokee State Bank Woodstock GA
2.96 New Horizons Bank East Ellijay GA
2.75 Community Bank of Rockmart Rockmart GA
2.74 First Choice Community Bank Dallas GA
2.71 Providence Bank Alpharetta GA
2.54 Decatur First Bank Decatur GA
2.53 Bartow County Bank Cartersville GA
2.47 Georgia Trust Bank Buford GA
2.27 Farmers & Merchants Bank Lakeland GA
2.26 Hometown Community Bank Braselton GA
2.23 One Georgia Bank Atlanta GA
2.15 The Peoples Bank Covington GA
2.13 Jasper Banking Company Jasper GA
2.11 Community Capital Bank Jonesboro GA
2.11 Northside Bank Adairsville GA
2.10 Legacy State Bank Loganville GA
2.10 Sunrise Bank Valdosta GA
2.08 Peoples Bank & Trust Buford GA
2.03 First Citizens Bank of Georgia Dawsonville GA
1.99 Community Bank and Trust - West Georgia Lagrange GA
1.94 The Patterson Bank Patterson GA
1.93 Capitol City Bank & Trust Company Atlanta GA
1.89 WestSide Bank Hiram GA
1.76 Heritage Bank Jonesboro GA
1.74 Bank of Newington Newington GA
1.73 Citizens State Bank Kingsland GA
1.73 First Georgia Banking Company Franklin GA
1.70 First Covenant Bank Commerce GA
1.60 The First National Bank of Chatsworth Chatsworth GA
1.59 PlantersFIRST Cordele GA
1.58 The Brand Banking Company Lawrenceville GA
1.56 Central Bank of Georgia Ellaville GA
1.52 The Farmers Bank Forsyth GA
1.40 First State Bank Wrens GA
1.38 Eastside Commercial Bank Conyers GA
1.37 First Southern National Bank Statesboro GA
1.28 Covenant Bank & Trust Rock Spring GA
1.18 Farmers & Merchants Bank Statesboro GA
1.17 The Trust Bank Lenox GA
1.13 The Piedmont Bank Lawrenceville GA
1.12 Affinity Bank Atlanta GA
1.09 Signature Bank of Georgia Sandy Springs GA
1.04 Cherokee Bank Canton GA
1.00 The Heritage Bank Hinesville GA
0.99 Frontier Bank Lagrange GA
0.97 Embassy National Bank Lawrenceville GA
0.97 First National Bank of Griffin Griffin GA
0.97 Global Commerce Bank Doraville GA
0.96 The Bank of Georgia Peachtree City GA
0.94 Farmers & Merchants Bank Eatonton GA
0.91 Southern Bank Sardis GA
0.91 The Bank of Perry Perry GA
0.90 Stephens Federal Bank Toccoa GA
0.98 Central Pacific Bank Honolulu HI
2.53 Polk County Bank Johnston IA
1.40 State Central Bank Keokuk IA
1.16 First Bank West Des Moines IA
1.03 Patriot Bank Brooklyn IA
0.98 First National Bank Midwest Oskaloosa IA
0.91 Security State Bank Hubbard IA
1.50 Idaho Banking Company Boise ID
4.26 Builders Bank Chicago IL
3.64 Valley Community Bank St. Charles IL
3.10 The Bank of Commerce Wood Dale IL
2.71 Western Springs National Bank and Trust Western Springs IL
2.64 First National Bank of Brookfield Brookfield IL
2.19 CenTrust Bank, National Association Northbrook IL
2.09 First Bank and Trust Company of Illinois Palatine IL
2.07 Community First Bank - Chicago -- Failed 2/7/11 Chicago IL
1.97 American Metro Bank Chicago IL
1.79 First Choice Bank Geneva IL
1.71 Family Federal Savings of Illinois Cicero IL
1.65 Downers Grove National Bank Westmont IL
1.58 The First Commercial Bank Chicago IL
1.57 DuPage National Bank West Chicago IL
1.51 All American Bank Des Plaines IL
1.50 Second Federal Savings and Loan Association of Chicago Chicago IL
1.46 FirstSecure Bank and Trust Co. Palos Hills IL
1.42 Charter National Bank and Trust Hoffman Estates IL
1.39 Chicago Community Bank Chicago IL
1.28 Baytree National Bank & Trust Company Lake Forest IL
1.28 First Chicago Bank & Trust Itasca IL
1.20 State Bank of Countryside Countryside IL
1.18 American Enterprise Bank Buffalo Grove IL
1.15 HomeStar Bank and Financial Manteno IL
1.14 Brickyard Bank Lincolnwood IL
1.13 Union National Bank and Trust Company of Elgin Elgin IL
1.13 Oxford Bank & Trust Oak Brook IL
1.12 Archer Bank Chicago IL
1.09 Bank of Shorewood Shorewood IL
1.04 Edgebrook Bank Chicago IL
1.01 The Elgin State Bank Elgin IL
1.00 First United Bank Crete IL
1.00 Community Bank-Wheaton/Glen Ellyn Glen Ellyn IL
0.99 New City Bank Chicago IL
0.98 Northbrook Bank and Trust Northbrook IL
0.98 The Leaders Bank Oak Brook IL
0.97 McHenry Savings Bank McHenry IL
0.96 Waukegan Savings Bank Waukegan IL
0.93 AztecAmerica Bank Berwyn IL
0.93 Citizens Community Bank of Illinois Berwyn IL
0.91 Community Bank of Oak Park River Forest Oak Park IL
0.91 First Security Trust and Savings Bank Elmwood Park IL
0.90 Centrue Bank Steator IL
0.90 Inland Bank & Trust Oak Brook IL
1.11 Integra Bank National Association Evansville IN
3.07 The First National Bank of Olathe Olathe KS
1.38 Cornerstone Bank Overland Park KS
1.29 Roxbury Bank Roxbury KS
1.03 Armed Forces Bank, National Association Fort Leavenworth KS
0.96 National Bank of Kansas City Overland Park KS
0.95 Security Bank of Kansas City Kansas City KS
0.90 Heritage Bank Topeka KS
2.33 Citizens Commerce National Bank Versailles KY
0.94 The Farmers National Bank of Cynthiana Cynthiana KY
2.24 Central Progressive Bank Lacombe LA
1.95 First Bank and Trust New Orleans LA
1.19 The Union Bank Marksville LA
1.08 First National Bank USA Boutte LA
1.25 Lowell Co-operative Bank Lowell MA
0.98 Athol-Clinton Co-operative Bank Athol MA
4.79 Eastern Savings Bank, FSB Hunt Valley MD
2.51 HarVest Bank of Maryland Rockville MD
1.41 Colombo Bank Rockville MD
1.28 Bank of the Eastern Shore Cambridge MD
1.10 American Bank Greenbelt MD
1.09 Cecil Bank Elkton MD
0.93 Maryland Financial Bank Towson MD
2.20 Peoples State Bank -- Failed 2/11/11 Hamtramck MI
2.03 Paramount Bank -- Failed 12/10/10 Farmington Hills MI
1.78 Michigan Commerce Bank Ann Arbor MI
1.43 Oxford Bank Oxford MI
1.43 First National Bank in Howell Howell MI
1.42 Fidelity Bank Dearborn MI
1.33 Community Central Bank Mount Clemens MI
1.33 Clarkston State Bank Clarkston MI
1.32 Monarch Community Bank Coldwater MI
1.30 Capitol National Bank Lansing MI
1.18 Flagstar Bank, FSB Troy MI
1.00 Select Bank Grand Rapids MI
2.71 The RiverBank Wyoming MN
2.64 Home Savings of America Little Falls MN
2.13 First Resource Bank Savage MN
1.94 Rosemount National Bank Rosemount MN
1.59 Minnwest Bank Metro Eagan MN
1.49 Eagle Community Bank Maple Grove MN
1.48 Americana Community Bank Sleepy Eye MN
1.47 Premier Bank Minnesota Farmington MN
1.45 Premier Bank Maplewood MN
1.38 State Bank of Cokato Cokato MN
1.37 First Commercial Bank Bloomington MN
1.33 State Bank of Delano Delano MN
1.32 Premier Bank Rochester Rochester MN
1.31 Community National Bank -- Failed 12/17/10 Lino Lakes MN
1.27 Patriot Bank Minnesota Wyoming MN
1.24 Riverland Bank Jordan MN
1.21 Prime Security Bank Karlstad MN
1.20 Inter Savings Bank, fsb D/B/A Interbank Maple Grove MN
1.16 Security State Bank of Kenyon Kenyon MN
1.14 American National Bank of Minnesota Baxter MN
1.13 VisionBank Saint Louis Park MN
1.11 1st Regents Bank Andover MN
1.11 North Star Bank Roseville MN
1.03 BankCherokee Saint Paul MN
1.02 Lakeview Bank Lakeville MN
1.00 Lake Area Bank Lindstrom MN
0.97 Bankwest Rockford MN
0.96 Highland Bank Saint Michael MN
0.94 Great Northern Bank Saint Michael MN
0.90 Neighborhood National Bank Alexandria MN
2.10 Sun Security Bank Ellington MO
1.90 The Bank of Macks Creek Macks Creek MO
1.85 Bank Midwest, National Association Kansas City MO
1.84 Truman Bank St. Louis MO
1.71 Community Bank of the Ozarks Sunrise Beach MO
1.54 1st Advantage Bank Saint Peters MO
1.40 Citizens National Bank of Springfield Springfield MO
1.27 Meramec Valley Bank Valley Park MO
1.23 St. Louis Bank Town And Country MO
1.15 Heartland Bank Saint Louis MO
1.14 Lead Bank Garden City MO
1.10 Village Bank Springfield MO
1.09 Union Bank Kansas City MO
1.01 Patriots Bank Liberty MO
0.94 Bank of Belton Belton MO
0.92 The Bank of Versailles Versailles MO
0.91 Reliance Bank Des Peres MO
1.51 Heritage Banking Group Carthage MS
1.64 First Citizens Bank of Polson, National Association Polson MT
1.54 Freedom Bank Columbia Falls MT
1.26 American Bank Bozeman MT
1.19 Bank of Bozeman Bozeman MT
1.13 Treasure State Bank Missoula MT
3.30 The Bank of Asheville -- Failed 1/24/11 Asheville NC
2.83 Blue Ridge Savings Bank, Inc. Asheville NC
2.67 Communityone Bank, National Association Asheboro NC
2.35 The Bank of Currituck Moyock NC
2.19 Pisgah Community Bank Asheville NC
1.82 Nantahala Bank & Trust Company Franklin NC
1.60 Bank of Granite Granite Falls NC
1.54 Cornerstone Bank Wilson NC
1.21 NewDominion Bank Charlotte NC
1.20 Security Savings Bank, SSB Southport NC
1.14 Waccamaw Bank Whiteville NC
1.09 Parkway Bank Lenoir NC
0.94 Greystone Bank Raleigh NC
0.97 Cornerstone Bank Enderlin ND
0.91 Citizen State Bank - Midwest Cavalier ND
1.04 FirsTier Bank Kimball NE
1.02 Mid City Bank, Inc. Omaha NE
0.95 Amboy Bank Old Bridge NJ
2.52 Sunrise Bank of Albuquerque Albuquerque NM
1.89 First Community Bank -- Failed 1/28/11 Taos NM
0.99 Bank 1st Albuquerque NM
3.04 Nevada Commerce Bank Las Vegas NV
3.01 1st Commerce Bank North Las Vegas NV
2.81 Bank of Las Vegas Las Vegas NV
1.24 Bank of North Las Vegas North Las Vegas NV
1.13 First Security Bank of Nevada Las Vegas NV
1.04 Bank of George Las Vegas NV
0.91 First Asian Bank Las Vegas NV
1.60 Bank of Smithtown Smithtown NY
1.46 Community Federal Savings Bank Woodhaven NY
1.23 First Central Savings Bank Glen Cove NY
1.23 Carver Federal Savings Bank New York NY
1.22 Brooklyn Federal Savings Bank Brooklyn NY
1.20 Emigrant Savings Bank - Long Island Westbury NY
1.05 The Upstate National Bank Lisbon NY
0.94 Emigrant Savings Bank - Brooklyn/Queens Brooklyn NY
1.86 Columbia Savings Bank Cincinnati OH
1.51 United Midwest Savings Bank De Graff OH
1.28 The Ohio State Bank Marion OH
1.09 Benchmark Bank Gahanna OH
1.01 Ripley Federal Savings Bank Ripley OH
0.94 Park View Federal Savings Bank Solon OH
0.93 Liberty Savings Bank Wilmington OH
2.44 Liberty Federal Savings Bank Enid OK
1.81 First Capital Bank Guthrie OK
0.99 The State Exchange Bank Lamont OK
0.93 First Texoma National Bank Durant OK
1.95 MBank Gresham OR
1.54 Albina Community Bank Portland OR
1.19 Pacific West Bank West Linn OR
1.02 Bank of the Cascades Bend OR
2.04 Earthstar Bank -- Failed 12/10/10 Southampton PA
1.61 First CornerStone Bank King Of Prussia PA
1.45 Public Savings Bank Huntingdon Valle PA
0.94 Stonebridge Bank Exton PA
1.00 Doral Bank San Juan PR
0.95 Firstbank of Puerto Rico Santurce PR
2.62 Atlantic Bank and Trust Charleston SC
2.56 Carolina Federal Savings Bank Charleston SC
2.45 CommunitySouth Bank and Trust -- Failed 1/24/11 Easley SC
1.99 Plantation Federal Bank Pawleys Island SC
1.79 BankMeridian, N.A. Columbia SC
1.78 First South Bank Spartanburg SC
1.48 The Palmetto Bank Laurens SC
1.17 South Carolina Community Bank Columbia SC
0.94 Independence National Bank Greenville SC
1.49 First Midwest Bank Centerville SD
0.96 Great Western Bank Watertown SD
3.13 American Patriot Bank Greeneville TN
1.48 Sevier County Bank Sevierville TN
1.41 Community South Bank Parsons TN
1.29 Bank of Bartlett Bartlett TN
1.26 The Citizens Bank of East Tennessee Rogersville TN
1.15 Mountain National Bank Sevierville TN
1.05 INSOUTH Bank Brownsville TN
1.00 Tennessee State Bank Pigeon Forge TN
1.48 Park Cities Bank Dallas TX
1.44 Equity Bank,SSB Dallas TX
1.31 Prosper Bank Prosper TX
1.29 First International Bank Plano TX
1.25 Treaty Oak Bank Austin TX
1.18 Lone Star Bank Houston TX
1.09 Synergy Bank McKinney TX
1.05 Jefferson Bank Dallas TX
0.96 Inter National Bank Mcallen TX
1.98 Gunnison Valley Bank Gunnison UT
1.46 The Village Bank Saint George UT
1.46 First Utah Bank Salt Lake City UT
1.40 Frontier Bank Park City UT
1.40 SunFirst Bank Saint George UT
1.03 Liberty Bank Salt Lake City UT
0.95 Holladay Bank & Trust Salt Lake City UT
1.26 The Peoples Bank Ewing VA
1.09 Bank of Hampton Roads Norfolk VA
1.06 Millennium Bank, National Association Sterling VA
0.91 Central Virginia Bank Powhatan VA
7.66 First Sound Bank Seattle WA
2.82 Seattle Bank Seattle WA
2.73 First Heritage Bank Snohomish WA
2.46 HomeStreet Bank Seattle WA
1.82 AmericanWest Bank Spokane WA
1.70 Viking Bank Seattle WA
1.67 Westside Community Bank University Place WA
1.51 Regal Financial Bank Seattle WA
1.49 Business Bank Burlington WA
1.31 Mountain Pacific Bank Everett WA
1.25 The Bank of Washington Lynnwood WA
1.12 Prime Pacific Bank, National Association Lynnwood WA
1.11 Sterling Savings Bank Spokane WA
1.09 Bank of Whitman Colfax WA
1.94 Evergreen State Bank -- Failed 1/28/11 Stoughton WI
1.70 Legacy Bank Milwaukee WI
1.34 AnchorBank Madison WI
1.22 Citizens State Bank Hudson WI
1.22 Badger State Bank -- Failed 2/11/11 Cassville WI
1.19 Eagle Valley Bank St. Croix Falls WI
1.07 Southport Bank Kenosha WI
1.05 Mitchell Bank Milwaukee WI
0.97 Bank of Wisconsin Kenosha WI
0.95 Bank of Wausau Wausau WI
0.93 Security State Bank Iron River WI
0.91 RidgeStone Bank Brookfield WI
0.91 Rocky Mountain Bank Wilson WY
What's even better than earning rewards for spending on your credit cards? Getting paid hundreds of dollars worth in sign-up bonuses in three months or sooner -- just for trying out a new card.Wh...
by Christian Hudspeth Tired of dragging credit card debt around with you? Taking 15 minutes to transfer your debt to a credit card with generous balance transfer perks could save you thousands in...
If you're going to spend money anyway, then why not get paid for it?Whether you're looking for credit cards with up to 6% cash back, double flight miles, or even a free hotel stay each year, ther...
by Christian HudspethIn times where interest rates are on the rise, you may start hearing financial advisors and bankers sing the praises of an income strategy called "CD laddering" (short for ce...
Those of us familiar with selling property know real estate agents don't come cheap. With real estate agent commission and fees amounting to as much as 6% of the selling price (that's $18...
Beverly Harzog is a nationally recognized credit card expert, author, and consumer advocate. She blogs about credit cards at BeverlyHarzog.com. Being in credit card debt is the pits. I've bee...
If you haven't already felt the pressure to refinance your mortgage, you're probably really feeling it now. Mortgage rates are still hovering near historic lows. But with the economy improving...
If you or someone you know is thinking about getting a home mortgage, you may want to know about the thousands of dollars in hidden charges that some lenders are quietly adding to mortgage loans ...
by Christian Hudspeth Money market accounts (MMAs) and savings accounts make great places to set aside your emergency fund money and earn some interest income at the same time.Simply put, these s...
by Christian Hudspeth It's true that auto loans and home loans offer attractively-low annual percentage rates (APRs), while credit cards offer borrowing power without the risk of ever seeing the ...
by Christian HudspethWant to keep your emergency fund safe while earning interest yields that are three to five times higher than a typical savings account? Putting your money into an FDIC-insure...
Question: Hi there. I need your advice. I'm only 19 and I really need to start investing. Where can I start? -- Tirelo M., Gaborone, Botswana Answer: You've definitely got the right thinkin...