Undercapitalized Banks - Nov. 15, 2011 ($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 Sept. 30, 2011 regulatory filings. Please note the list doesn't reflect any capital raised by bank institutions during the fourth 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 | First Quarter 2010 Net Income | Tier 1 Leverage Ratio | Tier 1 Risk-based Capital Ratio | Total Risk-based Capital Ratio | % NPA |
| First National Bank of Baldwin County | Foley | AL | $207 | -$0.5 | 2.54 | 3.57 | 4.84 | 3.94 |
| Farmers Exchange Bank | Louisville | AL | $195 | -$1.0 | 4.58 | 6.50 | 7.75 | 8.48 |
| Alabama Trust Bank, NA | Sylacauga | AL | $59 | -$0.6 | 3.69 | 5.54 | 6.83 | 7.23 |
| Decatur State Bank | Decatur | AR | $174 | -$7.4 | 4.08 | 5.35 | 6.58 | 12.32 |
| Sunrise Bank of Arizona | Phoenix | AZ | $326 | -$5.6 | 2.02 | 2.62 | 3.92 | 15.83 |
| Western National Bank | Phoenix | AZ | $163 | -$3.7 | 1.01 | 1.19 | 2.37 | 17.45 |
| Goldwater Bank, N.A. | Scottsdale | AZ | $163 | -$0.2 | 3.30 | 7.47 | 8.63 | 8.44 |
| Central Arizona Bank | Scottsdale | AZ | $47 | $0.1 | 2.26 | 3.89 | 5.20 | 14.11 |
| United American Bank | San Mateo | CA | $265 | -$0.7 | 3.37 | 4.48 | 5.77 | 11.70 |
| Palm Desert National Bank | Palm Desert | CA | $126 | -$2.1 | 3.16 | 4.36 | 5.66 | 33.30 |
| Mile High Banks | Longmont | CO | $1,043 | -$13.1 | 3.31 | 4.46 | 5.75 | 12.46 |
| Advantage Bank | Loveland | CO | $354 | -$4.3 | 4.04 | 5.78 | 7.06 | 19.45 |
| Rocky Mountain Bank & Trust | Florence | CO | $118 | -$0.4 | 6.60 | 6.21 | 7.35 | 7.11 |
| U.S. Century Bank | Doral | FL | $1,500 | -$28.3 | 4.54 | 5.50 | 6.80 | 13.49 |
| First Guaranty Bank and Trust Co. | Jacksonville | FL | $378 | -$3.5 | 1.64 | 2.12 | 3.42 | 27.55 |
| Fidelity Bank of Florida, NA | Merritt Island | FL | $360 | $1.0 | 4.62 | 6.52 | 7.83 | 15.54 |
| Grand Bank & Trust of Florida | West Palm Beach | FL | $335 | -$3.8 | 4.49 | 6.42 | 7.70 | 7.85 |
| Premier Bank | Tallahassee | FL | $328 | -$2.6 | 3.61 | 5.69 | 6.99 | 10.85 |
| First Community Bank of Southwest Florida | Fort Myers | FL | $302 | -$0.7 | 3.41 | 4.76 | 6.03 | 11.26 |
| First City Bank of Florida | Fort Walton Beach | FL | $270 | $0.2 | 2.40 | 3.46 | 4.73 | 14.98 |
| Bank of Commerce | Sarasota | FL | $255 | -$2.5 | 2.78 | 3.63 | 7.27 | 11.17 |
| Heritage Bank of Florida | Lutz | FL | $247 | $0.1 | 3.88 | 4.97 | 6.26 | 9.04 |
| Gulf Coast Community Bank | Pensacola | FL | $223 | -$1.4 | 4.36 | 5.61 | 6.87 | 20.75 |
| Putnam State Bank | Palatka | FL | $177 | -$1.2 | 3.45 | 4.41 | 5.68 | 18.16 |
| OptimumBank | Fort Lauderdale | FL | $167 | -$0.5 | 2.54 | 3.50 | 4.77 | 21.80 |
| Bank of Naples | Naples | FL | $153 | -$2.5 | 2.54 | 4.53 | 5.89 | 11.00 |
| Heritage Bank of North Florida | Orange Park | FL | $138 | -$1.4 | 2.91 | 3.52 | 4.81 | 17.64 |
| Anchor Commercial Bank | Juno Beach | FL | $135 | $0.0 | 4.34 | 6.21 | 7.49 | 11.44 |
| CenterBank of Jacksonville, NA | Jacksonville | FL | $133 | -$7.2 | 4.78 | 6.57 | 7.86 | 7.35 |
| Premier Community Bank of the Emerald Coast | Crestview | FL | $126 | -$4.6 | -0.90 | -1.34 | -1.34 | 14.99 |
| Sunrise Bank | Cocoa Beach | FL | $109 | $0.3 | 4.28 | 6.08 | 7.39 | 8.29 |
| Royal Palm Bank of Florida | Naples | FL | $96 | -$0.7 | 2.11 | 3.33 | 4.66 | 16.11 |
| ProBank | Tallahassee | FL | $90 | -$1.6 | 4.12 | 6.60 | 7.86 | 6.43 |
| Central Florida State Bank | Belleview | FL | $79 | -$2.7 | 1.70 | 2.41 | 3.69 | 23.25 |
| Chipola Community Bank | Marianna | FL | $43 | -$0.2 | 3.43 | 5.53 | 6.79 | 10.77 |
| Bank of Jackson County | Graceville | FL | $29 | -$0.1 | 1.80 | 2.22 | 3.49 | 11.44 |
| Heritage Bank | Hinesville | GA | $895 | -$2.5 | 4.25 | 6.39 | 7.67 | 11.98 |
| Farmers & Merchants Bank | Lakeland | GA | $590 | -$0.3 | 3.93 | 5.42 | 6.69 | 12.82 |
| First Chatham Bank | Savannah | GA | $541 | -$0.7 | 4.46 | 5.88 | 7.15 | 12.08 |
| First State Bank | Stockbridge | GA | $537 | -$10.0 | 0.78 | 0.96 | 1.92 | 30.08 |
| Gwinnett Community Bank | Duluth | GA | $515 | $0.2 | 3.26 | 4.64 | 5.90 | 19.31 |
| Bank of Georgia | Peachtree City | GA | $394 | -$0.5 | 4.62 | 6.33 | 7.66 | 8.61 |
| Heritage Bank | Jonesboro | GA | $381 | $0.4 | 4.64 | 6.35 | 7.61 | 11.54 |
| Affinity Bank | Atlanta | GA | $332 | -$3.2 | 3.11 | 4.54 | 5.80 | 8.62 |
| Douglas County Bank | Douglasville | GA | $329 | -$0.1 | 4.44 | 5.49 | 6.45 | 33.70 |
| Peoples Bank & Trust | Buford | GA | $321 | -$0.1 | 3.37 | 4.72 | 5.98 | 17.65 |
| Capitol City Bank & Trust Company | Atlanta | GA | $298 | -$1.4 | 4.07 | 4.80 | 6.06 | 13.14 |
| Central Bank of Georgia | Ellaville | GA | $276 | $0.0 | 3.31 | 4.62 | 5.90 | 14.10 |
| First Cherokee State Bank | Woodstock | GA | $244 | -$3.3 | 2.33 | 3.35 | 4.61 | 16.33 |
| Farmers & Merchants Bank | Statesboro | GA | $231 | $0.0 | 4.17 | 5.88 | 7.17 | 11.41 |
| Eastside Commercial Bank | Conyers | GA | $205 | -$1.3 | 4.59 | 6.39 | 7.67 | 15.66 |
| Montgomery Bank & Trust | Ailey | GA | $188 | -$1.5 | 2.37 | 3.33 | 4.59 | 22.56 |
| Security Exchange Bank | Marietta | GA | $161 | $0.1 | 2.77 | 3.71 | 4.96 | 33.68 |
| Global Commerce Bank | Doraville | GA | $155 | -$1.1 | 2.71 | 4.74 | 6.03 | 22.19 |
| Georgia Trust Bank | Buford | GA | $131 | -$0.2 | 2.44 | 3.60 | 4.86 | 19.48 |
| Northside Bank | Adairsville | GA | $130 | -$0.3 | 3.16 | 4.35 | 5.60 | 11.81 |
| Patterson Bank | Patterson | GA | $128 | -$2.6 | 2.20 | 2.99 | 4.25 | 16.46 |
| First Citizens Bank of Georgia | Dawsonville | GA | $107 | $0.0 | 3.75 | 4.58 | 5.84 | 16.41 |
| Covenant Bank & Trust | Rock Spring | GA | $101 | -$1.2 | 2.55 | 3.18 | 4.47 | 16.93 |
| Sunrise Bank | Valdosta | GA | $86 | -$1.4 | 2.01 | 2.89 | 4.20 | 17.88 |
| Legacy State Bank | Loganville | GA | $80 | -$1.6 | 4.68 | 6.65 | 7.59 | 18.89 |
| Georgia Heritage Bank | Dallas | GA | $73 | -$0.8 | 3.62 | 5.20 | 6.45 | 9.13 |
| Liberty Bank, FSB | West Des Moines | IA | $995 | $0.0 | 2.50 | 3.49 | 4.76 | 11.35 |
| State Central Bank | Keokuk | IA | $211 | -$0.3 | 3.01 | 4.83 | 6.12 | 9.55 |
| Polk County Bank | Johnston | IA | $92 | -$0.4 | 1.35 | 1.82 | 3.09 | 16.52 |
| Syringa Bank | Boise | ID | $207 | $0.0 | 5.00 | 6.00 | 7.26 | 7.20 |
| Idaho Banking Company | Boise | ID | $148 | -$1.2 | 2.80 | 3.52 | 4.82 | 16.71 |
| Leaders Bank | Oak Brook | IL | $507 | -$14.6 | 1.70 | 2.46 | 4.92 | 11.94 |
| Union National Bank | Elgin | IL | $423 | $0.1 | 4.68 | 5.99 | 7.28 | 14.71 |
| HomeStar Bank and Financial Services | Manteno | IL | $389 | $0.9 | 4.11 | 6.50 | 7.79 | 7.91 |
| First United Bank | Crete | IL | $376 | -$5.8 | 2.84 | 4.82 | 6.14 | 12.20 |
| Community Bank-Wheaton/Glen Ellyn | Glen Ellyn | IL | $327 | $0.1 | 4.97 | 6.60 | 7.84 | 6.17 |
| Premier Bank | Wilmette | IL | $281 | -$2.1 | 3.75 | 6.08 | 7.36 | 18.77 |
| Second Federal Savings and Loan | Chicago | IL | $209 | -$1.3 | 3.04 | 4.69 | 5.94 | 11.08 |
| Charter National Bank & Trust | Hoffman Estates | IL | $98 | -$0.3 | 3.37 | 4.24 | 5.52 | 18.00 |
| American Metro Bank | Chicago | IL | $88 | -$0.6 | 3.69 | 5.14 | 6.42 | 26.04 |
| Waukegan Savings Bank | Waukegan | IL | $88 | $0.0 | 2.95 | 4.82 | 6.07 | 5.91 |
| American Heartland Bank and Trust | Sugar Grove | IL | $83 | -$1.7 | 3.61 | 4.44 | 5.76 | 12.83 |
| DuPage National Bank | West Chicago | IL | $72 | -$2.2 | 2.08 | 3.23 | 4.51 | 18.52 |
| Winfield Community Bank | Winfield | IL | $67 | -$0.1 | 4.07 | 6.32 | 7.57 | 2.93 |
| SCB Bank | Shelbyville | IN | $200 | -$1.9 | 3.07 | 4.14 | 5.40 | 8.28 |
| Heartland Bank | Leawood | KS | $130 | -$1.2 | 3.05 | 4.63 | 6.41 | 5.50 |
| First State Bank of Burlingame | Burlingame | KS | $25 | -$0.1 | 3.09 | 4.66 | 5.91 | 1.30 |
| Alliant Bank | Sedgwick | KS | $14 | $0.3 | 3.22 | 7.10 | 8.38 | 5.11 |
| Citizens Commerce National Bank | Versailles | KY | $245 | -$0.1 | 2.72 | 4.78 | 6.06 | 13.47 |
| Central Progressive Bank | Lacombe | LA | $383 | -$5.6 | 0.63 | 0.82 | 1.64 | 23.29 |
| Stoneham Savings Bank | Stoneham | MA | $337 | -$0.4 | 3.95 | 6.51 | 7.74 | 3.32 |
| First Mariner Bank | Baltimore | MD | $1,198 | -$7.2 | 3.42 | 4.55 | 5.80 | 5.94 |
| Bank of the Eastern Shore | Cambridge | MD | $173 | -$1.0 | 3.46 | 4.24 | 5.52 | 12.42 |
| HarVest Bank of Maryland | Gaithersburg | MD | $159 | $0.2 | 2.73 | 3.89 | 5.16 | 17.59 |
| Fidelity Bank | Dearborn | MI | $846 | $0.7 | 4.61 | 5.65 | 6.94 | 10.52 |
| Michigan Commerce Bank | Ann Arbor | MI | $823 | -$7.3 | 2.14 | 2.80 | 4.12 | 14.20 |
| First National Bank in Howell | Howell | MI | $299 | -$0.4 | 3.31 | 4.31 | 5.60 | 9.50 |
| Oxford Bank | Oxford | MI | $273 | $0.6 | 3.97 | 5.92 | 7.14 | 6.50 |
| Community Shores Bank | Muskegon | MI | $219 | -$0.6 | 3.78 | 5.19 | 6.46 | 4.99 |
| Inter Savings Bank, FSB | Maple Grove | MN | $502 | -$0.5 | 2.28 | 3.01 | 4.27 | 8.21 |
| Home Savings of America | Little Falls | MN | $440 | -$2.6 | 2.45 | 4.59 | 5.76 | 12.18 |
| Bank of Elk River | Elk River | MN | $389 | -$0.5 | 4.59 | 5.94 | 7.23 | 9.08 |
| First Commercial Bank | Bloomington | MN | $239 | -$2.6 | 3.10 | 4.09 | 5.40 | 17.45 |
| Village Bank | Saint Francis | MN | $220 | -$0.2 | 4.28 | 5.63 | 6.94 | 15.05 |
| Americana Community Bank | Sleepy Eye | MN | $123 | -$0.1 | 3.47 | 4.58 | 5.86 | 7.55 |
| Flagship Bank Minnesota | Wayzata | MN | $121 | -$0.6 | 4.51 | 6.46 | 7.73 | 5.45 |
| Patriot Bank Minnesota | Forest Lake | MN | $111 | -$1.0 | 1.85 | 2.15 | 3.43 | 14.62 |
| 1st Regents Bank | Andover | MN | $68 | -$0.3 | 2.81 | 3.79 | 5.09 | 9.86 |
| Northern Star Bank | Mankato | MN | $33 | $0.0 | 3.49 | 4.71 | 5.97 | 10.40 |
| Riverland Bank | Jordan | MN | $27 | -$0.1 | 2.63 | 4.13 | 5.42 | 10.97 |
| Union Bank | Kansas City | MO | $459 | -$16.0 | 3.63 | 4.46 | 5.75 | 13.07 |
| First Community Bank of the Ozarks | Branson | MO | $97 | $0.3 | 3.39 | 4.77 | 6.05 | 6.53 |
| 1st Advantage Bank | Saint Peters | MO | $84 | -$0.9 | 4.78 | 6.23 | 7.49 | 15.98 |
| Community Bank of the Ozarks | Sunrise Beach | MO | $53 | -$0.4 | 4.03 | 4.86 | 6.13 | 28.03 |
| Lone Summit Bank | Lake Lotawana | MO | $28 | -$0.1 | 4.53 | 6.35 | 7.63 | 11.62 |
| CommunityONE Bank, NA | Asheboro | NC | $1,639 | -$11.4 | -5.09 | -8.06 | -8.06 | 14.71 |
| Bank of Granite | Granite Falls | NC | $766 | $0.2 | 2.57 | 4.13 | 5.42 | 7.21 |
| Mountain 1st Bank & Trust Company | Hendersonville | NC | $727 | -$5.5 | 3.81 | 6.28 | 7.54 | 7.35 |
| Waccamaw Bank | Whiteville | NC | $582 | -$12.3 | 0.68 | 1.00 | 2.00 | 9.61 |
| Bank of the Carolinas | Mocksville | NC | $505 | -$6.8 | 4.97 | 6.68 | 7.94 | 5.73 |
| NewDominion Bank | Charlotte | NC | $404 | -$1.7 | 4.04 | 6.20 | 7.48 | 10.63 |
| Cornerstone Bank | Wilson | NC | $152 | $0.1 | 2.38 | 3.71 | 5.00 | 7.48 |
| Parkway Bank | Lenoir | NC | $116 | $0.0 | 2.99 | 4.16 | 5.44 | 7.73 |
| First Carolina State Bank | Rocky Mount | NC | $90 | -$2.2 | 2.01 | 3.00 | 4.31 | 9.94 |
| Pisgah Community Bank | Asheville | NC | $30 | -$0.4 | 2.02 | 2.54 | 3.88 | 23.77 |
| First Colebrook Bank | Colebrook | NH | $233 | $0.3 | 9.18 | 0.95 | 1.05 | 1.35 |
| Fort Lee Federal Savings Bank, FSB | Fort Lee | NJ | $55 | -$0.2 | 2.67 | 4.44 | 5.69 | 8.74 |
| Sunrise Bank of Albuquerque | Albuquerque | NM | $61 | -$0.3 | 2.07 | 2.72 | 4.02 | 14.02 |
| Bank of Las Vegas | Las Vegas | NV | $337 | -$3.9 | 2.01 | 2.61 | 3.93 | 25.99 |
| 1st Commerce Bank | North Las Vegas | NV | $32 | -$0.4 | 2.08 | 3.55 | 4.91 | 16.58 |
| First Central Savings Bank | Glen Cove | NY | $596 | -$1.3 | 4.19 | 5.85 | 7.12 | 6.53 |
| Liberty Federal Savings Bank | Enid | OK | $131 | $0.0 | 4.00 | 6.14 | 7.40 | 10.14 |
| First Capital Bank | Kingfisher | OK | $55 | -$7.0 | 2.39 | 3.75 | 5.03 | 26.93 |
| First State Bank | Ryan | OK | $39 | -$2.5 | 3.73 | 6.41 | 7.73 | 7.38 |
| MBank | Gresham | OR | $197 | -$0.1 | 3.71 | 5.53 | 6.81 | 10.66 |
| Albina Community Bank | Portland | OR | $132 | $0.0 | 3.67 | 4.92 | 6.19 | 5.20 |
| Nova Bank | Berwyn | PA | $544 | -$4.1 | 2.27 | 3.31 | 4.58 | 4.21 |
| American Eagle Savings Bank | Upper Chichester | PA | $20 | -$0.1 | 1.87 | 3.84 | 4.14 | 0.00 |
| Arthur State Bank | Union | SC | $602 | -$4.6 | 4.90 | 5.94 | 7.21 | 7.74 |
| Horry County State Bank | Loris | SC | $545 | -$3.1 | 3.31 | 4.35 | 5.64 | 9.18 |
| First South Bank | Spartanburg | SC | $400 | -$1.6 | 4.83 | 6.33 | 7.59 | 19.89 |
| Carolina Federal Savings Bank | Charleston | SC | $58 | -$0.2 | 2.10 | 2.78 | 4.05 | 21.97 |
| Tennessee Commerce Bank | Franklin | TN | $1,185 | -$102.8 | 0.95 | 1.17 | 2.34 | 10.92 |
| Community South Bank | Parsons | TN | $592 | $2.1 | 4.05 | 4.98 | 6.24 | 16.20 |
| Mountain National Bank | Sevierville | TN | $516 | -$3.1 | 4.14 | 5.78 | 7.06 | 9.96 |
| Bank of Bartlett | Bartlett | TN | $371 | $1.4 | 3.24 | 5.36 | 6.63 | 9.30 |
| BankEast | Knoxville | TN | $273 | -$3.8 | 0.85 | 1.08 | 2.16 | 11.07 |
| Farmers Bank of Lynchburg | Lynchburg | TN | $162 | -$12.4 | 3.13 | 4.53 | 5.83 | 7.87 |
| American Patriot Bank | Greeneville | TN | $94 | -$0.1 | 2.28 | 3.04 | 4.30 | 19.31 |
| Village Bank | Saint George | UT | $184 | -$0.4 | 2.58 | 3.51 | 4.80 | 10.90 |
| Millennium Bank, NA | Sterling | VA | $185 | -$1.3 | 4.24 | 4.93 | 6.19 | 7.24 |
| First State Bank | Danville | VA | $38 | $0.0 | 3.39 | 4.92 | 6.18 | 5.01 |
| First Sound Bank | Seattle | WA | $146 | -$4.4 | 2.07 | 2.95 | 4.23 | 10.91 |
| Hometown National Bank | Longview | WA | $18 | -$0.1 | 3.95 | 6.66 | 8.10 | 11.55 |
| Eagle Valley Bank, NA | Saint Croix Falls | WI | $152 | -$0.2 | 3.82 | 6.02 | 7.28 | 6.96 |
| Bank of Wausau | Wausau | WI | $71 | -$0.7 | 5.10 | 6.46 | 7.71 | 11.55 |
| Rocky Mountain Bank | Wilson | WY | $238 | -$1.2 | 3.34 | 4.91 | 6.22 | 13.98 |
| NPA - Nonperforming Assets - Loans past due 90 days or in nonaccrual status, plus repossessed real estate. |
| Source: Sept. 30, 2011 regulatory filings, provided by SNL Financial on Nov. 15, 2011. Data is subject to correction or revision by reporting institutions. |
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