RankingBanking 26 Digital - Flipbook - Page 37
Profitability
Capital Adequacy
Tang Common
Equity /Tang
Assets (%)
TCE
Rank
44
7.45
105
0.54
58
294
60
8.73
72
1.36
108
295
8.20
95
0.81
83
297
28
7.73
100
1.38
109
301
91
9.22
63
0.46
47
301
84
7.43
107
0.14
13
309
6.90
108
13.27
7
1.47
111
310
98
7.95
101
11.18
24
0.91
88
311
110
6.77
109
8.60
76
0.24
22
317
75
13.31
52
7.75
99
0.94
92
318
88
10.45
89
10.00
49
0.98
95
321
1.01
74
10.86
86
9.38
58
1.29
104
322
0.73
106
8.84
96
8.37
87
0.37
37
326
3,305
0.83
102
8.83
97
10.49
39
0.92
89
327
Core
ROAA (%)
ROAA
Rank
2,239
0.94
87
14.34
3,132
1.13
55
12.93
1.02
70
13.70
49
1.06
64
15.51
0.85
100
9.63
0.74
105
11.04
2,007
0.96
84
NJ
2,285
0.86
MA
2,736
0.57
PA
3,071
1.00
EFSI
VA
1,889
0.92
Dacotah Banks
DBIN
SD
4,846
Southern First Bancshares
SFST
SC
4,403
98
Exchange Bank
EXSR
CA
99
Hingham Institution for Savings
State
35
Asset Quality
Total Assets
($MM)
Rank
Company Name
Ticker
85
Franklin Financial Services Corp.
FRAF
PA
86
Citizens & Northern Corp.
CZNC
PA
87
Colony Bankcorp
CBAN
GA
3,735
88
Somerset Trust Holding Co.
SOME
PA
2,440
88
Tri City Bankshares Corp.
TRCY
WI
2,005
90
Eagle Bancorp Montana
EBMT
MT
2,106
91
CBB Bancorp
CBBI
CA
92
Princeton Bancorp
BPRN
93
Western New England Bancorp
WNEB
94
LINKBANCORP
LNKB
95
Eagle Financial Services
96
97
Core
ROATCE
ROATCE (%) Rank
NPAs/ Loans
& OREO (%)
NPA
Rank
Final
Score
HIFS
MA
4,543
0.71
107
7.00
105
10.56
37
0.79
80
329
100 Avidia Bancorp
AVBC
MA
2,837
0.28
117
3.01
118
12.99
9
0.88
86
330
101 CF Bankshares
CFBK
OH
2,117
0.85
101
10.14
90
8.59
78
0.58
66
335
101 Oconomowoc Bancshares
OCNB
WI
2,722
0.96
85
11.97
77
8.56
79
0.96
94
335
103 Ponce Financial Group
PDLB
NY
3,224
0.88
96
9.32
93
9.82
51
1.02
97
337
104 Blue Ridge Bankshares
BRBS
VA
2,433
0.44
114
3.43
117
13.21
8
1.18
100
339
105 Ames National Corp.
ATLO
IA
2,134
0.92
90
10.83
87
9.18
66
1.18
99
342
105 Investar Holding Corp.
ISTR
LA
2,833
0.85
99
10.90
85
8.22
93
0.58
65
342
107 QNB Corp.
QNBC
PA
1,906
0.79
103
13.06
57
6.80
114
0.70
76
350
108 Marquette National Corp.
MNAT
IL
2,225
0.29
116
4.27
115
7.27
109
0.16
17
357
109 RBB Bancorp
RBB
CA
4,208
0.70
108
6.50
110
10.87
30
1.61
112
360
110 BankGuam Holding Co.
BKGM
GU
3,036
0.91
91
14.37
43
6.50
117
1.84
114
365
111 Bank of Marin Bancorp
BMRC
CA
3,905
0.91
92
9.62
92
8.35
89
1.27
103
376
112 MainStreet Bancshares
MNSB
VA
2,213
0.78
104
8.98
95
8.65
74
1.78
113
386
113 Meridian Corp.
MRBK
PA
2,562
0.86
97
12.35
70
7.53
102
2.76
119
388
114 MVB Financial Corp.
MVBF
WV
3,309
(0.13)
121
(1.34)
120
10.04
48
1.33
107
396
115 First Western Financial
MYFW
CO
3,155
0.45
113
5.90
112
7.50
103
0.73
77
405
116 Finward Bancorp
FNWD
IN
2,021
0.46
112
6.97
106
7.56
101
0.90
87
406
117 Carter Bankshares
CARE
VA
4,852
0.65
109
7.64
103
8.61
75
6.29
121
408
118 Hanover Bancorp
HNVR
NY
2,383
0.44
115
5.66
113
7.44
106
0.93
90
424
119 Primis Financial Corp.
FRST
VA
4,047
0.26
118
3.57
116
8.33
90
2.38
117
441
120 BCB Bancorp
BCBP
NJ
3,279
(0.01)
119
(0.13)
119
8.36
88
2.50
118
444
121 First Northwest Bancorp
FNWB
WA
2,108
(0.10)
120
(1.44)
121
7.41
108
1.47
110
459
122 First Guaranty Bancshares
FGBI
LA
4,078
(1.16)
122
(22.62)
122
4.68
121
4.28
120
485
Median
1.08
12.75
9.24
0.57
Mean
1.11
12.15
9.63
0.81
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.
