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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
 
NPA - Nonperforming Assets - Loans past due 90 days or in nonaccrual status, plus repossessed real estate.
Source: Preliminary December 31, 2010 regulatory filings, provided by SNL Financial on February 1, 2011.
Data is subject to correction or revision by reporting institutions.
 




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