RankingBanking 26 Digital - Flipbook - Page 34
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$5 BILLION UP TO $50 BILLION
Profitability
Asset Quality
Tang Common
Equity /Tang
Assets (%)
TCE
Rank
NPAs/ Loans
& OREO (%)
NPA
Rank
Final
Score
134
9.56
69
0.46
50
389
90
8.64
98
0.82
102
390
14.02
66
8.06
118
0.87
107
390
12.08
96
8.71
96
0.71
89
390
13.30
77
8.34
112
0.77
98
391
115
12.06
97
8.01
121
0.51
58
391
Company Name
Ticker
State
Total Assets
($MM)
Core
ROAA (%)
ROAA
Rank
116 Columbia Financial
CLBK
NJ
11,019
0.49
136
5.31
117 Northwest Bancshares
NWBI
OH
16,767
1.07
100
12.49
117 Shore Bancshares
SHBI
MD
6,259
1.08
99
117 Simmons First National Corp.
SFNC
AR
24,541
0.97
109
120 Alpine Banks of Colorado
ALPI.B
CO
6,854
1.05
104
120 Bridgewater Bancshares
BWB
MN
5,407
0.91
Rank
Capital Adequacy
Core
ROATCE
ROATCE (%) Rank
120 Merchants Bancorp
MBIN
IN
19,449
1.16
82
13.23
78
8.85
91
1.72
140
391
123 W.T.B. Financial Corp.
WTBF.B
WA
10,693
0.88
120
9.69
118
9.36
78
0.66
79
395
124 Enterprise Financial Services Corp
EFSC
MO
17,301
1.12
90
12.20
93
9.07
84
1.37
130
397
125 First Interstate BancSystem
FIBK
MT
26,641
0.98
108
12.16
94
8.90
88
0.90
111
401
126 OceanFirst Financial Corp.
OCFC
NJ
14,564
0.62
130
7.60
127
8.09
117
0.34
30
404
127 Renasant Corp.
RNST
MS
26,751
0.99
107
11.17
107
9.26
81
0.99
117
412
128 Dime Community Bancshares
DCOM
NY
15,342
0.82
122
10.13
116
7.91
124
0.49
54
416
129 Hope Bancorp
HOPE
CA
18,532
0.59
132
6.28
132
9.75
65
0.89
110
439
130 WaFd
WAFD
WA
27,286
0.93
114
10.90
111
8.52
103
1.01
118
446
131 Eagle Bancorp
EGBN
MD
10,497
(0.97)
142
(9.59)
142
10.78
34
1.48
135
453
132 Metropolitan Bank Holding Corp.
MCB
NY
8,256
0.89
119
9.68
119
8.89
89
1.28
127
454
133 Banc of California
BANC
CA
34,797
0.75
127
9.52
120
7.90
125
0.70
86
458
134 Amerant Bancorp
AMTB
FL
9,777
0.66
128
7.35
128
9.40
75
2.74
142
473
135 BankUnited
BKU
FL
35,039
0.77
125
9.26
122
8.51
105
1.40
132
484
135 Kearny Financial Corp.
KRNY
NJ
7,621
0.42
138
5.10
136
8.56
101
0.89
109
484
137 Live Oak Bancshares
LOB
NC
15,135
0.64
129
8.59
125
7.40
135
0.83
103
492
138 Flushing Financial Corp.
FFIC
NY
8,693
0.42
139
5.25
135
8.14
116
0.88
108
498
139 Peapack-Gladstone
PGC
NJ
7,526
0.51
135
6.35
131
8.19
115
1.09
123
504
140 Triumph Financial
TFIN
TX
6,381
0.45
137
5.40
133
8.26
114
1.37
129
513
141 First Internet Bancorp
INBK
IN
5,572
(0.08)
141
(1.35)
141
6.13
141
1.02
119
542
142 Midland States Bancorp
MSBI
IL
6,513
0.28
140
4.25
140
6.74
138
1.41
134
552
Median
1.22
13.64
9.51
0.62
Mean
1.23
13.37
9.69
0.68
Source: Piper Sandler, S&P Global Market Intelligence, company reports and regulatory filings
RankingBanking uses four metrics to assess performance. Profitability is captured by return on average tangible common equity and return on average total assets. That is a change from past years, when return on
equity and return on assets were used to determine profitability. Asset quality is represented by nonperforming assets. Capital adequacy is a function of a bank’s tangible common equity ratio. Banks are scored on each
of the four metrics. The scores are then merged into an overall score, which determines the ranking — the lower the score, the higher the rank. Asset rankings reflect the standing of banks versus their asset class.
This may differ from the standings based on the overall ranking, where banks are compared against the entire 300-bank group. Data is based on calendar year 2025 results.
