Undercapitalized Banks -Nov 30, 2010 ($Mil)
Most banks and thrifts need to maintain Tier 1 leverage, Tier 1 risk-based and total risk-based capital ratios of at least 5%, 6% and 10% respectively to be considered "well-capitalized" under regulatory guidelines. Some trust banks carry lower capital requirements. The ratios need to be at least 4%, 4% and 8% respectively for most to be considered "adequately capitalized". Here's the entire list of undercapitalized banks, based on December 31, 2010 regulatory filings. Please note the list doesn't reflect any capital raised by bank institutions during the first quarter of 2011. The list is sorted by state, and then by asset size. You can sort the list by clicking on any of the column headings.
| *Click on Column Heads to Sort |
| Bank or S&L | City | State | Total Assets | Third Qtr. 2010 Net Income | Tier 1 Leverage Ratio | Tier 1 Risk-based Capital Ratio | Total Risk-based Capital Ratio | % NPA |
| Nexity Bank | Birmingham | AL | $794 | -$15.8 | 0.75 | 1.33 | 2.64 | 14.47 |
| First National Bank of Baldwin County | Foley | AL | $249 | -$0.6 | 3.96 | 5.79 | 7.06 | 5.94 |
| Central Arizona Bank | Casa Grande | AZ | $76 | -$2.1 | 2.24 | 3.20 | 4.49 | 10.40 |
| Sunrise Bank of Arizona | Phoenix | AZ | $353 | -$7.3 | 0.69 | 0.92 | 1.84 | 17.56 |
| Western National Bank | Phoenix | AZ | $201 | -$2.9 | 3.62 | 4.35 | 5.64 | 10.92 |
| Summit Bank | Prescott | AZ | $81 | -$1.1 | 3.09 | 4.00 | 5.28 | 9.23 |
| CrediCard National Bank | Tucson | AZ | $1 | -$0.1 | 2.79 | 4.10 | 5.44 | 5.54 |
| Charter Oak Bank | Napa | CA | $121 | -$4.2 | 0.44 | 0.53 | 1.06 | 7.43 |
| Palm Desert National Bank | Palm Desert | CA | $225 | -$0.1 | 2.67 | 5.98 | 7.28 | 19.19 |
| Canyon National Bank | Palm Springs | CA | $211 | -$2.1 | 1.38 | 1.80 | 3.09 | 19.87 |
| Colorado Capital Bank | Castle Rock | CO | $919 | -$21.4 | 3.73 | 5.62 | 6.92 | 12.18 |
| Bank of Choice | Greeley | CO | $1,155 | -$31.7 | 2.32 | 3.87 | 5.16 | 11.87 |
| Community Banks of Colorado | Greenwood Village | CO | $1,576 | -$27.3 | 2.99 | 3.98 | 5.28 | 12.52 |
| Signature Bank | Windsor | CO | $73 | -$0.8 | 4.52 | 5.59 | 6.87 | 13.37 |
| SouthShore Community Bank | Apollo Beach | FL | $49 | -$0.1 | 3.94 | 4.82 | 6.08 | 10.75 |
| Cortez Community Bank | Brooksville | FL | $72 | -$3.5 | 4.29 | 6.26 | 7.52 | 26.00 |
| Old Harbor Bank | Clearwater | FL | $227 | -$1.5 | 2.61 | 3.47 | 4.74 | 9.18 |
| Sunrise Bank | Cocoa Beach | FL | $119 | -$1.0 | 2.96 | 4.06 | 5.34 | 8.55 |
| OptimumBank | Fort Lauderdale | FL | $190 | -$1.6 | 4.02 | 5.43 | 6.70 | 20.04 |
| First Community Bank of Southwest Fla. | Fort Myers | FL | $306 | -$4.6 | 3.92 | 5.26 | 6.52 | 9.69 |
| First City Bank of Florida | Fort Walton Beach | FL | $284 | -$0.9 | 2.89 | 4.10 | 5.37 | 15.34 |
| Bank of Jackson County | Graceville | FL | $32 | -$0.1 | 5.15 | 6.45 | 7.72 | 15.58 |
| First Guaranty B&TC of Jacksonville | Jacksonville | FL | $440 | -$3.8 | 2.83 | 3.81 | 5.11 | 22.80 |
| First National Bank of Florida | Milton | FL | $313 | -$2.2 | 4.10 | 5.29 | 6.57 | 29.70 |
| Royal Palm Bank of Florida | Naples | FL | $119 | -$4.2 | 3.71 | 5.60 | 6.93 | 17.33 |
| Heritage Bank of North Florida | Orange Park | FL | $143 | -$1.9 | 4.89 | 5.70 | 6.96 | 16.59 |
| Putnam State Bank | Palatka | FL | $176 | -$0.5 | 4.42 | 5.48 | 6.78 | 19.57 |
| Sunshine State Community Bank | Port Orange | FL | $126 | -$0.6 | 1.33 | 1.97 | 3.26 | 19.72 |
| First Peoples Bank | Port Saint Lucie | FL | $232 | -$2.6 | 3.02 | 4.30 | 5.57 | 8.28 |
| Bank of Commerce | Sarasota | FL | $297 | -$3.2 | 3.67 | 5.15 | 8.61 | 10.03 |
| LandMark Bank of Florida | Sarasota | FL | $288 | -$1.0 | 2.93 | 3.43 | 5.90 | 17.01 |
| First Home Bank | Seminole | FL | $82 | -$1.6 | 3.38 | 4.73 | 6.00 | 7.83 |
| First Commercial Bank of Tampa Bay | Tampa | FL | $103 | $4.8 | 2.16 | 2.96 | 4.27 | 16.09 |
| First National Bank of Central Florida | Winter Park | FL | $352 | -$20.0 | 1.46 | 2.03 | 3.34 | 24.66 |
| Northside Bank | Adairsville | GA | $129 | -$0.7 | 3.56 | 4.78 | 6.03 | 11.88 |
| Capitol City Bank & Trust Company | Atlanta | GA | $295 | $0.1 | 4.31 | 5.12 | 6.39 | 13.81 |
| One Georgia Bank | Atlanta | GA | $193 | -$7.2 | 2.50 | 3.19 | 4.47 | 19.16 |
| Hometown Community Bank | Braselton | GA | $136 | -$3.6 | 2.37 | 3.83 | 5.10 | 14.94 |
| Peoples Bank & Trust | Buford | GA | $341 | -$1.9 | 3.51 | 4.85 | 6.10 | 14.05 |
| Georgia Trust Bank | Buford | GA | $144 | -$0.6 | 2.89 | 4.10 | 5.37 | 14.99 |
| Bartow County Bank | Cartersville | GA | $330 | -$12.0 | 0.71 | 1.09 | 2.16 | 18.22 |
| First National Bank of Chatsworth | Chatsworth | GA | $126 | -$1.3 | 2.95 | 4.29 | 5.54 | 12.79 |
| Habersham Bank | Clarkesville | GA | $388 | -$5.8 | 0.87 | 1.24 | 2.47 | 23.74 |
| Mountain Heritage Bank | Clayton | GA | $108 | -$0.9 | 2.54 | 3.76 | 5.02 | 21.83 |
| PlantersFirst | Cordele | GA | $316 | $0.2 | 3.60 | 4.86 | 6.13 | 10.28 |
| Patriot Bank of Georgia | Cumming | GA | $162 | -$1.0 | 3.21 | 3.92 | 5.18 | 28.85 |
| First Choice Community Bank | Dallas | GA | $308 | -$20.9 | -2.37 | -2.96 | -2.96 | 26.87 |
| First Citizens Bank of Georgia | Dawsonville | GA | $118 | -$1.7 | 3.52 | 4.49 | 5.75 | 14.74 |
| Decatur First Bank | Decatur | GA | $198 | -$1.6 | 2.31 | 3.40 | 4.59 | 11.31 |
| Douglas County Bank | Douglasville | GA | $336 | $0.2 | 4.77 | 5.85 | 6.96 | 32.34 |
| Gwinnett Community Bank | Duluth | GA | $507 | $6.9 | 4.45 | 5.98 | 7.24 | 15.17 |
| New Horizons Bank | East Ellijay | GA | $111 | -$3.3 | 0.26 | 0.37 | 0.75 | 15.78 |
| First Georgia Banking Company | Franklin | GA | $780 | -$6.3 | 2.40 | 3.61 | 4.87 | 10.74 |
| Heritage Bank | Hinesville | GA | $960 | -$21.5 | 4.29 | 6.37 | 7.66 | 7.92 |
| McIntosh State Bank | Jackson | GA | $342 | -$1.5 | 2.10 | 2.98 | 4.26 | 24.24 |
| Heritage Bank | Jonesboro | GA | $395 | -$1.2 | 4.57 | 6.26 | 7.52 | 12.68 |
| Community Capital Bank | Jonesboro | GA | $192 | -$5.1 | 2.19 | 3.15 | 4.41 | 14.94 |
| Farmers & Merchants Bank | Lakeland | GA | $596 | $0.8 | 3.48 | 4.75 | 6.17 | 10.72 |
| Atlantic Southern Bank | Macon | GA | $781 | -$8.7 | 2.31 | 2.82 | 4.29 | 21.78 |
| Security Exchange Bank | Marietta | GA | $169 | -$1.3 | 3.73 | 5.00 | 6.26 | 31.69 |
| Patterson Bank | Patterson | GA | $149 | -$0.7 | 4.41 | 5.63 | 6.89 | 15.18 |
| Bank of Georgia | Peachtree City | GA | $352 | -$0.5 | 4.86 | 6.28 | 7.61 | 8.45 |
| Covenant Bank & Trust | Rock Spring | GA | $108 | $0.0 | 5.10 | 6.19 | 7.44 | 9.25 |
| Community Bank of Rockmart | Rockmart | GA | $63 | -$0.5 | 2.25 | 3.35 | 4.61 | 14.46 |
| American Trust Bank | Roswell | GA | $238 | -$4.1 | 0.71 | 0.90 | 1.80 | 23.82 |
| Citizens Bank of Effingham | Springfield | GA | $214 | -$0.9 | 0.97 | 1.27 | 2.53 | 17.50 |
| First Southern National Bank | Statesboro | GA | $175 | -$8.3 | 4.11 | 5.69 | 6.98 | 16.38 |
| First State Bank | Stockbridge | GA | $564 | -$3.0 | 2.65 | 3.07 | 4.32 | 29.76 |
| High Trust Bank | Stockbridge | GA | $197 | -$2.4 | 3.52 | 4.07 | 5.34 | 29.81 |
| Park Avenue Bank | Valdosta | GA | $960 | -$6.9 | 2.42 | 3.85 | 5.14 | 21.12 |
| Sunrise Bank | Valdosta | GA | $113 | -$2.0 | 2.14 | 3.29 | 4.59 | 14.46 |
| North Georgia Bank | Watkinsville | GA | $153 | -$2.8 | 0.55 | 0.83 | 1.66 | 26.97 |
| First Cherokee State Bank | Woodstock | GA | $248 | -$2.4 | 4.24 | 5.77 | 7.03 | 17.84 |
| CreekSide Bank | Woodstock | GA | $101 | -$1.5 | 3.60 | 4.78 | 6.03 | 24.20 |
| Polk County Bank | Johnston | IA | $102 | -$0.8 | 3.47 | 5.02 | 6.29 | 16.32 |
| State Central Bank | Keokuk | IA | $242 | $0.1 | 3.43 | 4.93 | 6.23 | 12.67 |
| First Bank | West Des Moines | IA | $105 | $0.0 | 4.50 | 6.31 | 7.60 | 14.21 |
| Idaho Banking Company | Boise | ID | $186 | -$2.2 | 4.67 | 5.79 | 7.10 | 17.59 |
| First Chicago Bank & Trust | Chicago | IL | $1,018 | -$37.9 | 3.82 | 4.93 | 6.21 | 13.68 |
| Community First Bank- Chicago | Chicago | IL | $51 | -$0.4 | 2.24 | 2.77 | 4.06 | 18.30 |
| All American Bank | Des Plaines | IL | $42 | $0.5 | 5.15 | 6.16 | 7.51 | 17.01 |
| Downers Grove National Bank | Downers Grove | IL | $219 | -$4.1 | 2.31 | 3.78 | 5.07 | 15.29 |
| First Choice Bank | Geneva | IL | $195 | -$1.7 | 3.23 | 4.51 | 5.79 | 13.02 |
| Charter National Bank & Trust | Hoffman Estates | IL | $106 | -$1.3 | 4.66 | 6.21 | 7.40 | 11.67 |
| FirstSecure Bank & Trust Co. | Palos Hills | IL | $68 | -$1.1 | 4.88 | 6.58 | 7.88 | 13.20 |
| Valley Community Bank | Saint Charles | IL | $124 | -$4.8 | -0.64 | -0.88 | -0.88 | 20.83 |
| Bank of Shorewood | Shorewood | IL | $125 | -$1.3 | 3.22 | 4.55 | 5.85 | 10.18 |
| Western Springs National Bank and Trust | Western Springs | IL | $187 | -$4.9 | 1.71 | 2.17 | 3.45 | 19.26 |
| Premier Bank | Wilmette | IL | $290 | -$12.2 | 4.08 | 6.27 | 7.54 | 7.66 |
| Bank of Commerce | Wood Dale | IL | $163 | -$0.5 | 0.41 | 0.51 | 1.03 | 31.42 |
| Integra Bank, NA | Evansville | IN | $2,419 | -$35.4 | 3.54 | 6.34 | 7.66 | 9.90 |
| First State Bank of Burlingame | Burlingame | KS | $29 | $0.0 | 3.24 | 5.01 | 6.29 | 1.24 |
| First National Bank of Olathe | Olathe | KS | $579 | -$18.9 | 2.83 | 3.88 | 5.19 | 29.19 |
| Midwest Community Bank | Plainville | KS | $82 | -$0.3 | 2.65 | 4.75 | 6.05 | 4.91 |
| Alliant Bank | Sedgwick | KS | $14 | $0.0 | 3.50 | 5.95 | 7.20 | 4.28 |
| Citizens Commerce National Bank | Versailles | KY | $298 | -$1.0 | 3.01 | 4.92 | 6.21 | 13.74 |
| Stoneham Savings Bank | Stoneham | MA | $380 | -$1.5 | 4.02 | 6.40 | 7.21 | 4.69 |
| HarVest Bank of Maryland | Gaithersburg | MD | $162 | -$2.2 | 3.06 | 4.46 | 5.72 | 12.81 |
| Michigan Commerce Bank | Ann Arbor | MI | $934 | -$21.4 | 1.15 | 1.46 | 2.78 | 14.99 |
| Clarkston State Bank | Clarkston | MI | $104 | $0.1 | 2.26 | 2.64 | 3.91 | 6.75 |
| Monarch Community Bank | Coldwater | MI | $257 | $0.2 | 4.54 | 6.60 | 7.90 | 7.79 |
| Fidelity Bank | Dearborn | MI | $914 | -$2.2 | 3.95 | 4.89 | 6.17 | 9.64 |
| Peoples State Bank | Hamtramck | MI | $391 | -$9.0 | -0.25 | -0.35 | -0.35 | 15.49 |
| First National Bank in Howell | Howell | MI | $307 | -$0.1 | 4.03 | 4.89 | 6.19 | 10.46 |
| Community Central Bank | Mount Clemens | MI | $479 | -$5.4 | 1.67 | 2.36 | 3.66 | 10.88 |
| Community Shores Bank | Muskegon | MI | $238 | -$3.2 | 4.25 | 5.79 | 7.06 | 4.89 |
| Oxford Bank | Oxford | MI | $285 | $0.6 | 2.92 | 4.12 | 5.35 | 8.43 |
| 1st Regents Bank | Andover | MN | $76 | -$1.7 | 3.81 | 5.27 | 6.55 | 8.13 |
| Park State Bank | Duluth | MN | $31 | -$0.4 | 4.26 | 6.29 | 7.55 | 3.41 |
| Patriot Bank Minnesota | Forest Lake | MN | $121 | -$5.4 | 5.52 | 6.41 | 7.70 | 15.01 |
| Riverland Bank | Jordan | MN | $35 | -$0.9 | 4.24 | 5.78 | 7.07 | 12.66 |
| Northern Star Bank | Mankato | MN | $37 | -$0.2 | 5.12 | 6.51 | 7.77 | 7.41 |
| Lake Country Community Bank | Morristown | MN | $33 | $0.0 | 3.54 | 5.08 | 6.38 | 4.62 |
| Americana Community Bank | Sleepy Eye | MN | $160 | -$0.4 | 2.14 | 2.91 | 4.19 | 7.87 |
| RiverBank | Wyoming | MN | $432 | -$1.8 | 4.71 | 5.76 | 7.03 | 18.46 |
| 1st Advantage Bank | Saint Peters | MO | $93 | -$1.1 | 3.74 | 4.86 | 6.14 | 16.69 |
| Heritage Banking Group | Carthage | MS | $229 | -$2.1 | 2.02 | 2.43 | 3.70 | 12.89 |
| CommunityONE Bank, NA | Asheboro | NC | $1,920 | -$26.2 | 1.78 | 2.42 | 4.65 | 20.55 |
| Blue Ridge Savings Bank, Inc. | Asheville | NC | $171 | -$1.1 | 4.52 | 6.11 | 7.40 | 25.59 |
| Pisgah Community Bank | Asheville | NC | $43 | -$0.9 | 2.03 | 3.52 | 4.82 | 21.11 |
| NewDominion Bank | Charlotte | NC | $506 | -$12.3 | 2.35 | 3.83 | 7.50 | 9.24 |
| Bank of Granite | Granite Falls | NC | $875 | -$2.5 | 2.69 | 4.21 | 5.51 | 9.18 |
| First Carolina State Bank | Rocky Mount | NC | $103 | -$5.8 | 3.11 | 4.75 | 6.02 | 8.26 |
| Cornerstone Bank | Wilson | NC | $167 | -$0.4 | 2.59 | 3.65 | 4.93 | 10.32 |
| Mid City Bank, Inc. | Omaha | NE | $178 | -$12.0 | 3.03 | 5.76 | 7.17 | 16.74 |
| First State Bank | Cranford | NJ | $229 | -$3.6 | 4.18 | 5.44 | 6.70 | 4.38 |
| Sunrise Bank of Albuquerque | Albuquerque | NM | $74 | -$1.2 | 2.43 | 3.39 | 4.68 | 12.01 |
| Bank of Las Vegas | Las Vegas | NV | $375 | -$18.0 | 2.06 | 2.93 | 4.27 | 24.97 |
| Nevada Commerce Bank | Las Vegas | NV | $145 | -$2.5 | 2.26 | 3.21 | 4.49 | 22.95 |
| 1st Commerce Bank | North Las Vegas | NV | $40 | -$0.3 | 2.48 | 3.94 | 5.20 | 15.95 |
| Bank of the Cascades | Bend | OR | $1,716 | $3.7 | 4.20 | 5.51 | 6.78 | 6.96 |
| MBank | Gresham | OR | $209 | -$0.6 | 4.43 | 5.95 | 7.24 | 14.68 |
| Albina Community Bank | Portland | OR | $145 | $0.2 | 3.69 | 4.73 | 6.00 | 4.67 |
| Pacific West Bank | West Linn | OR | $63 | -$1.0 | 4.14 | 5.26 | 6.53 | 10.39 |
| Nova Bank | Berwyn | PA | $625 | -$7.8 | 2.55 | 3.85 | 4.88 | 4.25 |
| Public Savings Bank | Huntingdon Valley | PA | $48 | -$1.5 | 2.99 | 3.93 | 5.17 | 11.24 |
| BankMeridian, NA | Columbia | SC | $258 | -$2.3 | 4.17 | 5.91 | 7.19 | 17.30 |
| First Midwest Bank | Centerville | SD | $110 | -$0.3 | 3.08 | 4.37 | 5.65 | 9.63 |
| American Patriot Bank | Greeneville | TN | $100 | -$0.9 | 3.07 | 4.01 | 5.29 | 15.89 |
| BankEast | Knoxville | TN | $282 | -$6.0 | 3.53 | 4.18 | 5.46 | 8.85 |
| Farmers Bank of Lynchburg | Lynchburg | TN | $203 | -$4.9 | 4.51 | 6.38 | 7.66 | 2.83 |
| Community South Bank | Parsons | TN | $675 | -$17.7 | 4.96 | 6.49 | 7.75 | 8.52 |
| Citizens Bank of Spencer | Spencer | TN | $44 | -$0.4 | 3.80 | 6.98 | 8.27 | 8.05 |
| Treaty Oak Bank | Austin | TX | $110 | -$0.5 | 3.41 | 5.29 | 6.55 | 10.86 |
| First International Bank | Plano | TX | $343 | -$12.9 | 2.75 | 3.70 | 4.99 | 15.83 |
| Prosper Bank | Prosper | TX | $69 | -$0.2 | 3.22 | 4.49 | 5.76 | 5.90 |
| Village Bank | Saint George | UT | $209 | -$0.1 | 3.95 | 5.14 | 6.42 | 13.82 |
| First State Bank | Danville | VA | $35 | -$0.2 | 3.32 | 4.99 | 6.26 | 5.69 |
| Virginia Business Bank | Richmond | VA | $107 | -$0.5 | 2.83 | 4.29 | 6.07 | 11.77 |
| Millennium Bank, NA | Sterling | VA | $196 | -$1.6 | 5.25 | 6.66 | 7.92 | 6.09 |
| Summit Bank | Burlington | WA | $147 | -$2.1 | 3.94 | 4.72 | 5.99 | 9.42 |
| Bank of Whitman | Colfax | WA | $682 | -$6.8 | 3.48 | 4.76 | 6.05 | 9.13 |
| Prime Pacific Bank NA | Lynnwood | WA | $151 | -$0.5 | 4.14 | 5.86 | 7.15 | 13.99 |
| Seattle Bank | Seattle | WA | $468 | -$6.6 | 1.50 | 2.44 | 3.71 | 14.39 |
| First Sound Bank | Seattle | WA | $147 | -$1.4 | 4.03 | 4.76 | 6.05 | 15.53 |
| First Heritage Bank | Snohomish | WA | $179 | -$5.1 | 2.22 | 3.18 | 4.45 | 17.57 |
| Badger State Bank | Cassville | WI | $84 | $0.2 | 2.08 | 2.90 | 4.18 | 7.34 |
| Community Bank of Central Wisconsin | Colby | WI | $119 | $0.1 | 3.67 | 5.09 | 6.42 | 11.09 |
| Citizens State Bank | Hudson | WI | $145 | -$1.7 | 4.46 | 6.01 | 7.28 | 9.70 |
| Legacy Bank | Milwaukee | WI | $190 | -$2.9 | 0.65 | 0.87 | 1.75 | 23.00 |
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