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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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