FDIC List of Troubled Banks and the Texas Ratio

The Federal Deposit Insurance Corporation (FDIC) maintains a list of problem banks that isn't published or shared with anyone else. So how can the average depositor or lender know if their bank is a problem bank about to fail?

The Texas Ratio is one measure that might offer a clue. The ratio was developed by RBC Capital Markets analyst Gerard Cassidy in the 1980's to forecast which banks could fail during the 1980's real estate bubble...Deja vu, anyone?

The ratio is devised by comparing a bank's troubled loans to its capital. If the amount of bad loans equals or exceeds its capital, a ratio of 100% or higher, the bank might not have enough capital to cover its losses related to the bad loans on its books. Updated Failed Bank List Below:

Failed Bank List (Updated 5/1/23)

Bank Name	City	State	Acquiring Institution	Closing Date
First Republic Bank	San Francisco	CA	JPMorgan Chase Bank, N.A.	May 1, 2023
Signature Bank	New York	NY	Signature Bridge Bank, N.A.	12-Mar-23
Silicon Valley Bank	Santa Clara	CA	Silicon Valley Bridge Bank, N.A.	10-Mar-23
Almena State Bank	Almena	KS	Equity Bank	23-Oct-20
First City Bank of Florida	Fort Walton Beach	FL	United Fidelity Bank, fsb	16-Oct-20
The First State Bank	Barboursville	WV	MVB Bank, Inc.	3-Apr-20
Ericson State Bank	Ericson	NE	Farmers and Merchants Bank	14-Feb-20
City National Bank of New Jersey	Newark	NJ	Industrial Bank	1-Nov-19
Resolute Bank	Maumee	OH	Buckeye State Bank	25-Oct-19
Louisa Community Bank	Louisa	KY	Kentucky Farmers Bank Corporation	25-Oct-19
The Enloe State Bank	Cooper	TX	Legend Bank, N. A.	31-May-19
Washington Federal Bank for Savings	Chicago	IL	Royal Savings Bank	15-Dec-17
The Farmers and Merchants State Bank of Argonia	Argonia	KS	Conway Bank	13-Oct-17
Fayette County Bank	Saint Elmo	IL	United Fidelity Bank, fsb	26-May-17
Guaranty Bank, (d/b/a BestBank in Georgia & Michigan)	Milwaukee	WI	First-Citizens Bank & Trust Company	5-May-17
First NBC Bank	New Orleans	LA	Whitney Bank	28-Apr-17
Proficio Bank	Cottonwood Heights	UT	Cache Valley Bank	3-Mar-17
Seaway Bank and Trust Company	Chicago	IL	State Bank of Texas	27-Jan-17
Harvest Community Bank	Pennsville	NJ	First-Citizens Bank & Trust Company	13-Jan-17
Allied Bank	Mulberry	AR	Today's Bank	23-Sep-16
The Woodbury Banking Company	Woodbury	GA	United Bank	19-Aug-16
First CornerStone Bank	King of Prussia	PA	First-Citizens Bank & Trust Company	6-May-16
Trust Company Bank	Memphis	TN	The Bank of Fayette County	29-Apr-16
North Milwaukee State Bank	Milwaukee	WI	First-Citizens Bank & Trust Company	11-Mar-16
Hometown National Bank	Longview	WA	Twin City Bank	2-Oct-15
The Bank of Georgia	Peachtree City	GA	Fidelity Bank	2-Oct-15
Premier Bank	Denver	CO	United Fidelity Bank, fsb	10-Jul-15
Edgebrook Bank	Chicago	IL	Republic Bank of Chicago	8-May-15
Doral Bank	San Juan	PR	Banco Popular de Puerto Rico	27-Feb-15
Capitol City Bank & Trust Company	Atlanta	GA	First-Citizens Bank & Trust Company	13-Feb-15
Highland Community Bank	Chicago	IL	United Fidelity Bank, fsb	23-Jan-15
First National Bank of Crestview	Crestview	FL	First NBC Bank	16-Jan-15
Northern Star Bank	Mankato	MN	BankVista	19-Dec-14
Frontier Bank, FSB D/B/A El Paseo Bank	Palm Desert	CA	Bank of Southern California, N.A.	7-Nov-14
The National Republic Bank of Chicago	Chicago	IL	State Bank of Texas	24-Oct-14
NBRS Financial	Rising Sun	MD	Howard Bank	17-Oct-14
GreenChoice Bank, fsb	Chicago	IL	Providence Bank, LLC	25-Jul-14
Eastside Commercial Bank	Conyers	GA	Community & Southern Bank	18-Jul-14
The Freedom State Bank	Freedom	OK	Alva State Bank & Trust Company	27-Jun-14
Valley Bank	Fort Lauderdale	FL	Landmark Bank, National Association	20-Jun-14
Valley Bank	Moline	IL	Great Southern Bank	20-Jun-14
Slavie Federal Savings Bank	Bel Air	MD	Bay Bank, FSB	30-May-14
Columbia Savings Bank	Cincinnati	OH	United Fidelity Bank, fsb	23-May-14
AztecAmerica Bank	Berwyn	IL	Republic Bank of Chicago	16-May-14
Allendale County Bank	Fairfax	SC	Palmetto State Bank	25-Apr-14
Vantage Point Bank	Horsham	PA	First Choice Bank	28-Feb-14
Millennium Bank, National Association	Sterling	VA	WashingtonFirst Bank	28-Feb-14
Syringa Bank	Boise	ID	Sunwest Bank	31-Jan-14
The Bank of Union	El Reno	OK	BancFirst	24-Jan-14
DuPage National Bank	West Chicago	IL	Republic Bank of Chicago	17-Jan-14
Texas Community Bank, National Association	The Woodlands	TX	Spirit of Texas Bank, SSB	13-Dec-13
Bank of Jackson County	Graceville	FL	First Federal Bank of Florida	30-Oct-13
First National Bank also operating as The National Bank of El Paso	Edinburg	TX	PlainsCapital Bank	13-Sep-13
The Community's Bank	Bridgeport	CT	No Acquirer	13-Sep-13
Sunrise Bank of Arizona	Phoenix	AZ	First Fidelity Bank, National Association	23-Aug-13
Community South Bank	Parsons	TN	CB&S Bank, Inc.	23-Aug-13
Bank of Wausau	Wausau	WI	Nicolet National Bank	9-Aug-13
First Community Bank of Southwest Florida (also operating as Community Bank of Cape Coral)	Fort Myers	FL	C1 Bank	2-Aug-13
Mountain National Bank	Sevierville	TN	First Tennessee Bank, National Association	7-Jun-13
1st Commerce Bank	North Las Vegas	NV	Plaza Bank	6-Jun-13
Banks of Wisconsin d/b/a Bank of Kenosha	Kenosha	WI	North Shore Bank, FSB	31-May-13
Central Arizona Bank	Scottsdale	AZ	Western State Bank	14-May-13
Sunrise Bank	Valdosta	GA	Synovus Bank	10-May-13
Pisgah Community Bank	Asheville	NC	Capital Bank, N.A.	10-May-13
Douglas County Bank	Douglasville	GA	Hamilton State Bank	26-Apr-13
Parkway Bank	Lenoir	NC	CertusBank, National Association	26-Apr-13
Chipola Community Bank	Marianna	FL	First Federal Bank of Florida	19-Apr-13
Heritage Bank of North Florida	Orange Park	FL	FirstAtlantic Bank	19-Apr-13
First Federal Bank	Lexington	KY	Your Community Bank	19-Apr-13
Gold Canyon Bank	Gold Canyon	AZ	First Scottsdale Bank, National Association	5-Apr-13
Frontier Bank	LaGrange	GA	HeritageBank of the South	8-Mar-13
Covenant Bank	Chicago	IL	Liberty Bank and Trust Company	15-Feb-13
1st Regents Bank	Andover	MN	First Minnesota Bank	18-Jan-13
Westside Community Bank	University Place	WA	Sunwest Bank	11-Jan-13
Community Bank of the Ozarks	Sunrise Beach	MO	Bank of Sullivan	14-Dec-12
Hometown Community Bank	Braselton	GA	CertusBank, National Association	16-Nov-12
Citizens First National Bank	Princeton	IL	Heartland Bank and Trust Company	2-Nov-12
Heritage Bank of Florida	Lutz	FL	Centennial Bank	2-Nov-12
NOVA Bank	Berwyn	PA	No Acquirer	26-Oct-12
Excel Bank	Sedalia	MO	Simmons First National Bank	19-Oct-12
First East Side Savings Bank	Tamarac	FL	Stearns Bank N.A.	19-Oct-12
GulfSouth Private Bank	Destin	FL	SmartBank	19-Oct-12
First United Bank	Crete	IL	Old Plank Trail Community Bank, National Association	28-Sep-12
Truman Bank	St. Louis	MO	Simmons First National Bank	14-Sep-12
First Commercial Bank	Bloomington	MN	Republic Bank & Trust Company	7-Sep-12
Waukegan Savings Bank	Waukegan	IL	First Midwest Bank	3-Aug-12
Jasper Banking Company	Jasper	GA	Stearns Bank N.A.	27-Jul-12
Second Federal Savings and Loan Association of Chicago	Chicago	IL	Hinsdale Bank & Trust Company	20-Jul-12
Heartland Bank	Leawood	KS	Metcalf Bank	20-Jul-12
First Cherokee State Bank	Woodstock	GA	Community & Southern Bank	20-Jul-12
Georgia Trust Bank	Buford	GA	Community & Southern Bank	20-Jul-12
The Royal Palm Bank of Florida	Naples	FL	First National Bank of the Gulf Coast	20-Jul-12
Glasgow Savings Bank	Glasgow	MO	Regional Missouri Bank	13-Jul-12
Montgomery Bank & Trust	Ailey	GA	Ameris Bank	6-Jul-12
The Farmers Bank of Lynchburg	Lynchburg	TN	Clayton Bank and Trust	15-Jun-12
Security Exchange Bank	Marietta	GA	Fidelity Bank	15-Jun-12
Putnam State Bank	Palatka	FL	Harbor Community Bank	15-Jun-12
Waccamaw Bank	Whiteville	NC	First Community Bank	8-Jun-12
Farmers' and Traders' State Bank	Shabbona	IL	First State Bank	8-Jun-12
Carolina Federal Savings Bank	Charleston	SC	Bank of North Carolina	8-Jun-12
First Capital Bank	Kingfisher	OK	F & M Bank	8-Jun-12
Alabama Trust Bank, National Association	Sylacauga	AL	Southern States Bank	18-May-12
Security Bank, National Association	North Lauderdale	FL	Banesco USA	4-May-12
Palm Desert National Bank	Palm Desert	CA	Pacific Premier Bank	27-Apr-12
Plantation Federal Bank	Pawleys Island	SC	First Federal Bank	27-Apr-12
Inter Savings Bank, fsb D/B/A InterBank, fsb	Maple Grove	MN	Great Southern Bank	27-Apr-12
HarVest Bank of Maryland	Gaithersburg	MD	Sonabank	27-Apr-12
Bank of the Eastern Shore	Cambridge	MD	No Acquirer	27-Apr-12
Fort Lee Federal Savings Bank, FSB	Fort Lee	NJ	Alma Bank	20-Apr-12
Fidelity Bank	Dearborn	MI	The Huntington National Bank	30-Mar-12
Premier Bank	Wilmette	IL	International Bank of Chicago	23-Mar-12
Covenant Bank & Trust	Rock Spring	GA	Stearns Bank, N.A.	23-Mar-12
New City Bank	Chicago	IL	No Acquirer	9-Mar-12
Global Commerce Bank	Doraville	GA	Metro City Bank	2-Mar-12
Home Savings of America	Little Falls	MN	No Acquirer	24-Feb-12
Central Bank of Georgia	Ellaville	GA	Ameris Bank	24-Feb-12
SCB Bank	Shelbyville	IN	First Merchants Bank, National Association	10-Feb-12
Charter National Bank and Trust	Hoffman Estates	IL	Barrington Bank & Trust Company, National Association	10-Feb-12
BankEast	Knoxville	TN	U.S. Bank, N.A.	27-Jan-12
Patriot Bank Minnesota	Forest Lake	MN	First Resource Bank	27-Jan-12
Tennessee Commerce Bank	Franklin	TN	Republic Bank & Trust Company	27-Jan-12
First Guaranty Bank and Trust Company of Jacksonville	Jacksonville	FL	CenterState Bank of Florida, N.A.	27-Jan-12
American Eagle Savings Bank	Boothwyn	PA	Capital Bank, N.A.	20-Jan-12
The First State Bank	Stockbridge	GA	Hamilton State Bank	20-Jan-12
Central Florida State Bank	Belleview	FL	CenterState Bank of Florida, N.A.	20-Jan-12
Western National Bank	Phoenix	AZ	Washington Federal	16-Dec-11
Premier Community Bank of the Emerald Coast	Crestview	FL	Summit Bank	16-Dec-11
Central Progressive Bank	Lacombe	LA	First NBC Bank	18-Nov-11
Polk County Bank	Johnston	IA	Grinnell State Bank	18-Nov-11
Community Bank of Rockmart	Rockmart	GA	Century Bank of Georgia	10-Nov-11
SunFirst Bank	Saint George	UT	Cache Valley Bank	4-Nov-11
Mid City Bank, Inc.	Omaha	NE	Premier Bank	4-Nov-11
All American Bank	Des Plaines	IL	International Bank of Chicago	28-Oct-11
Community Banks of Colorado	Greenwood Village	CO	Bank Midwest, N.A.	21-Oct-11
Community Capital Bank	Jonesboro	GA	State Bank and Trust Company	21-Oct-11
Decatur First Bank	Decatur	GA	Fidelity Bank	21-Oct-11
Old Harbor Bank	Clearwater	FL	1st United Bank	21-Oct-11
Country Bank	Aledo	IL	Blackhawk Bank & Trust	14-Oct-11
First State Bank	Cranford	NJ	Northfield Bank	14-Oct-11
Blue Ridge Savings Bank, Inc.	Asheville	NC	Bank of North Carolina	14-Oct-11
Piedmont Community Bank	Gray	GA	State Bank and Trust Company	14-Oct-11
Sun Security Bank	Ellington	MO	Great Southern Bank	7-Oct-11
The RiverBank	Wyoming	MN	Central Bank	7-Oct-11
First International Bank	Plano	TX	American First National Bank	30-Sep-11
Citizens Bank of Northern California	Nevada City	CA	Tri Counties Bank	23-Sep-11
Bank of the Commonwealth	Norfolk	VA	Southern Bank and Trust Company	23-Sep-11
The First National Bank of Florida	Milton	FL	CharterBank	9-Sep-11
CreekSide Bank	Woodstock	GA	Georgia Commerce Bank	2-Sep-11
Patriot Bank of Georgia	Cumming	GA	Georgia Commerce Bank	2-Sep-11
First Choice Bank	Geneva	IL	Inland Bank & Trust	19-Aug-11
First Southern National Bank	Statesboro	GA	Heritage Bank of the South	19-Aug-11
Lydian Private Bank	Palm Beach	FL	Sabadell United Bank, N.A.	19-Aug-11
Public Savings Bank	Huntingdon Valley	PA	Capital Bank, N.A.	18-Aug-11
The First National Bank of Olathe	Olathe	KS	Enterprise Bank & Trust	12-Aug-11
Bank of Whitman	Colfax	WA	Columbia State Bank	5-Aug-11
Bank of Shorewood	Shorewood	IL	Heartland Bank and Trust Company	5-Aug-11
Integra Bank National Association	Evansville	IN	Old National Bank	29-Jul-11
BankMeridian, N.A.	Columbia	SC	SCBT National Association	29-Jul-11
Virginia Business Bank	Richmond	VA	Xenith Bank	29-Jul-11
Bank of Choice	Greeley	CO	Bank Midwest, N.A.	22-Jul-11
LandMark Bank of Florida	Sarasota	FL	American Momentum Bank	22-Jul-11
Southshore Community Bank	Apollo Beach	FL	American Momentum Bank	22-Jul-11
Summit Bank	Prescott	AZ	The Foothills Bank	15-Jul-11
First Peoples Bank	Port St. Lucie	FL	Premier American Bank, N.A.	15-Jul-11
High Trust Bank	Stockbridge	GA	Ameris Bank	15-Jul-11
One Georgia Bank	Atlanta	GA	Ameris Bank	15-Jul-11
Signature Bank	Windsor	CO	Points West Community Bank	8-Jul-11
Colorado Capital Bank	Castle Rock	CO	First-Citizens Bank & Trust Company	8-Jul-11
First Chicago Bank & Trust	Chicago	IL	Northbrook Bank & Trust Company	8-Jul-11
Mountain Heritage Bank	Clayton	GA	First American Bank and Trust Company	24-Jun-11
First Commercial Bank of Tampa Bay	Tampa	FL	Stonegate Bank	17-Jun-11
McIntosh State Bank	Jackson	GA	Hamilton State Bank	17-Jun-11
Atlantic Bank and Trust	Charleston	SC	First Citizens Bank and Trust Company, Inc.	3-Jun-11
First Heritage Bank	Snohomish	WA	Columbia State Bank	27-May-11
Summit Bank	Burlington	WA	Columbia State Bank	20-May-11
First Georgia Banking Company	Franklin	GA	CertusBank, National Association	20-May-11
Atlantic Southern Bank	Macon	GA	CertusBank, National Association	20-May-11
Coastal Bank	Cocoa Beach	FL	Florida Community Bank, a division of Premier American Bank, N.A.	6-May-11
Community Central Bank	Mount Clemens	MI	Talmer Bank & Trust	29-Apr-11
The Park Avenue Bank	Valdosta	GA	Bank of the Ozarks	29-Apr-11
First Choice Community Bank	Dallas	GA	Bank of the Ozarks	29-Apr-11
Cortez Community Bank	Brooksville	FL	Florida Community Bank, a division of Premier American Bank, N.A.	29-Apr-11
First National Bank of Central Florida	Winter Park	FL	Florida Community Bank, a division of Premier American Bank, N.A.	29-Apr-11
Heritage Banking Group	Carthage	MS	Trustmark National Bank	15-Apr-11
Rosemount National Bank	Rosemount	MN	Central Bank	15-Apr-11
Superior Bank	Birmingham	AL	Superior Bank, National Association	15-Apr-11
Nexity Bank	Birmingham	AL	AloStar Bank of Commerce	15-Apr-11
New Horizons Bank	East Ellijay	GA	Citizens South Bank	15-Apr-11
Bartow County Bank	Cartersville	GA	Hamilton State Bank	15-Apr-11
Nevada Commerce Bank	Las Vegas	NV	City National Bank	8-Apr-11
Western Springs National Bank and Trust	Western Springs	IL	Heartland Bank and Trust Company	8-Apr-11
The Bank of Commerce	Wood Dale	IL	Advantage National Bank Group	25-Mar-11
Legacy Bank	Milwaukee	WI	Seaway Bank and Trust Company	11-Mar-11
First National Bank of Davis	Davis	OK	The Pauls Valley National Bank	11-Mar-11
Valley Community Bank	St. Charles	IL	First State Bank	25-Feb-11
San Luis Trust Bank, FSB	San Luis Obispo	CA	First California Bank	18-Feb-11
Charter Oak Bank	Napa	CA	Bank of Marin	18-Feb-11
Citizens Bank of Effingham	Springfield	GA	Heritage Bank of the South	18-Feb-11
Habersham Bank	Clarkesville	GA	SCBT National Association	18-Feb-11
Canyon National Bank	Palm Springs	CA	Pacific Premier Bank	11-Feb-11
Badger State Bank	Cassville	WI	Royal Bank	11-Feb-11
Peoples State Bank	Hamtramck	MI	First Michigan Bank	11-Feb-11
Sunshine State Community Bank	Port Orange	FL	Premier American Bank, N.A.	11-Feb-11
Community First Bank Chicago	Chicago	IL	Northbrook Bank & Trust Company	4-Feb-11
North Georgia Bank	Watkinsville	GA	BankSouth	4-Feb-11
American Trust Bank	Roswell	GA	Renasant Bank	4-Feb-11
First Community Bank	Taos	NM	U.S. Bank, N.A.	28-Jan-11
FirsTier Bank	Louisville	CO	No Acquirer	28-Jan-11
Evergreen State Bank	Stoughton	WI	McFarland State Bank	28-Jan-11
The First State Bank	Camargo	OK	Bank 7	28-Jan-11
United Western Bank	Denver	CO	First-Citizens Bank & Trust Company	21-Jan-11
The Bank of Asheville	Asheville	NC	First Bank	21-Jan-11
CommunitySouth Bank & Trust	Easley	SC	CertusBank, National Association	21-Jan-11
Enterprise Banking Company	McDonough	GA	No Acquirer	21-Jan-11
Oglethorpe Bank	Brunswick	GA	Bank of the Ozarks	14-Jan-11
Legacy Bank	Scottsdale	AZ	Enterprise Bank & Trust	7-Jan-11
First Commercial Bank of Florida	Orlando	FL	First Southern Bank	7-Jan-11
Community National Bank	Lino Lakes	MN	Farmers & Merchants Savings Bank	17-Dec-10
First Southern Bank	Batesville	AR	Southern Bank	17-Dec-10
United Americas Bank, N.A.	Atlanta	GA	State Bank and Trust Company	17-Dec-10
Appalachian Community Bank, FSB	McCaysville	GA	Peoples Bank of East Tennessee	17-Dec-10
Chestatee State Bank	Dawsonville	GA	Bank of the Ozarks	17-Dec-10
The Bank of Miami,N.A.	Coral Gables	FL	1st United Bank	17-Dec-10
Earthstar Bank	Southampton	PA	Polonia Bank	10-Dec-10
Paramount Bank	Farmington Hills	MI	Level One Bank	10-Dec-10
First Banking Center	Burlington	WI	First Michigan Bank	19-Nov-10
Allegiance Bank of North America	Bala Cynwyd	PA	VIST Bank	19-Nov-10
Gulf State Community Bank	Carrabelle	FL	Centennial Bank	19-Nov-10
Copper Star Bank	Scottsdale	AZ	Stearns Bank, N.A.	12-Nov-10
Darby Bank & Trust Co.	Vidalia	GA	Ameris Bank	12-Nov-10
Tifton Banking Company	Tifton	GA	Ameris Bank	12-Nov-10
First Vietnamese American Bank	Westminster	CA	Grandpoint Bank	5-Nov-10
Pierce Commercial Bank	Tacoma	WA	Heritage Bank	5-Nov-10
Western Commercial Bank	Woodland Hills	CA	First California Bank	5-Nov-10
K Bank	Randallstown	MD	Manufacturers and Traders Trust Company (M&T Bank)	5-Nov-10
First Arizona Savings, A FSB	Scottsdale	AZ	No Acquirer	22-Oct-10
Hillcrest Bank	Overland Park	KS	Hillcrest Bank, N.A.	22-Oct-10
First Suburban National Bank	Maywood	IL	Seaway Bank and Trust Company	22-Oct-10
The First National Bank of Barnesville	Barnesville	GA	United Bank	22-Oct-10
The Gordon Bank	Gordon	GA	Morris Bank	22-Oct-10
Progress Bank of Florida	Tampa	FL	Bay Cities Bank	22-Oct-10
First Bank of Jacksonville	Jacksonville	FL	Ameris Bank	22-Oct-10
Premier Bank	Jefferson City	MO	Providence Bank	15-Oct-10
WestBridge Bank and Trust Company	Chesterfield	MO	Midland States Bank	15-Oct-10
Security Savings Bank, F.S.B.	Olathe	KS	Simmons First National Bank	15-Oct-10
Shoreline Bank	Shoreline	WA	GBC International Bank	1-Oct-10
Wakulla Bank	Crawfordville	FL	Centennial Bank	1-Oct-10
North County Bank	Arlington	WA	Whidbey Island Bank	24-Sep-10
Haven Trust Bank Florida	Ponte Vedra Beach	FL	First Southern Bank	24-Sep-10
Maritime Savings Bank	West Allis	WI	North Shore Bank, FSB	17-Sep-10
Bramble Savings Bank	Milford	OH	Foundation Bank	17-Sep-10
The Peoples Bank	Winder	GA	Community & Southern Bank	17-Sep-10
First Commerce Community Bank	Douglasville	GA	Community & Southern Bank	17-Sep-10
Bank of Ellijay	Ellijay	GA	Community & Southern Bank	17-Sep-10
ISN Bank	Cherry Hill	NJ	Customers Bank	17-Sep-10
Horizon Bank	Bradenton	FL	Bank of the Ozarks	10-Sep-10
Sonoma Valley Bank	Sonoma	CA	Westamerica Bank	20-Aug-10
Los Padres Bank	Solvang	CA	Pacific Western Bank	20-Aug-10
Butte Community Bank	Chico	CA	Rabobank, N.A.	20-Aug-10
Pacific State Bank	Stockton	CA	Rabobank, N.A.	20-Aug-10
ShoreBank	Chicago	IL	Urban Partnership Bank	20-Aug-10
Imperial Savings and Loan Association	Martinsville	VA	River Community Bank, N.A.	20-Aug-10
Independent National Bank	Ocala	FL	CenterState Bank of Florida, N.A.	20-Aug-10
Community National Bank at Bartow	Bartow	FL	CenterState Bank of Florida, N.A.	20-Aug-10
Palos Bank and Trust Company	Palos Heights	IL	First Midwest Bank	13-Aug-10
Ravenswood Bank	Chicago	IL	Northbrook Bank & Trust Company	6-Aug-10
LibertyBank	Eugene	OR	Home Federal Bank	30-Jul-10
The Cowlitz Bank	Longview	WA	Heritage Bank	30-Jul-10
Coastal Community Bank	Panama City Beach	FL	Centennial Bank	30-Jul-10
Bayside Savings Bank	Port Saint Joe	FL	Centennial Bank	30-Jul-10
Northwest Bank & Trust	Acworth	GA	State Bank and Trust Company	30-Jul-10
Home Valley Bank	Cave Junction	OR	South Valley Bank & Trust	23-Jul-10
SouthwestUSA Bank	Las Vegas	NV	Plaza Bank	23-Jul-10
Community Security Bank	New Prague	MN	Roundbank	23-Jul-10
Thunder Bank	Sylvan Grove	KS	The Bennington State Bank	23-Jul-10
Williamsburg First National Bank	Kingstree	SC	First Citizens Bank and Trust Company, Inc.	23-Jul-10
Crescent Bank and Trust Company	Jasper	GA	Renasant Bank	23-Jul-10
Sterling Bank	Lantana	FL	IBERIABANK	23-Jul-10
Mainstreet Savings Bank, FSB	Hastings	MI	Commercial Bank	16-Jul-10
Olde Cypress Community Bank	Clewiston	FL	CenterState Bank of Florida, N.A.	16-Jul-10
Turnberry Bank	Aventura	FL	NAFH National Bank	16-Jul-10
Metro Bank of Dade County	Miami	FL	NAFH National Bank	16-Jul-10
First National Bank of the South	Spartanburg	SC	NAFH National Bank	16-Jul-10
Woodlands Bank	Bluffton	SC	Bank of the Ozarks	16-Jul-10
Home National Bank	Blackwell	OK	RCB Bank	9-Jul-10
USA Bank	Port Chester	NY	New Century Bank	9-Jul-10
Ideal Federal Savings Bank	Baltimore	MD	No Acquirer	9-Jul-10
Bay National Bank	Baltimore	MD	Bay Bank, FSB	9-Jul-10
High Desert State Bank	Albuquerque	NM	First American Bank	25-Jun-10
First National Bank	Savannah	GA	The Savannah Bank, N.A.	25-Jun-10
Peninsula Bank	Englewood	FL	Premier American Bank, N.A.	25-Jun-10
Nevada Security Bank	Reno	NV	Umpqua Bank	18-Jun-10
Washington First International Bank	Seattle	WA	East West Bank	11-Jun-10
TierOne Bank	Lincoln	NE	Great Western Bank	4-Jun-10
Arcola Homestead Savings Bank	Arcola	IL	No Acquirer	4-Jun-10
First National Bank	Rosedale	MS	The Jefferson Bank	4-Jun-10
Sun West Bank	Las Vegas	NV	City National Bank	28-May-10
Granite Community Bank, NA	Granite Bay	CA	Tri Counties Bank	28-May-10
Bank of Florida - Tampa	Tampa	FL	EverBank	28-May-10
Bank of Florida - Southwest	Naples	FL	EverBank	28-May-10
Bank of Florida - Southeast	Fort Lauderdale	FL	EverBank	28-May-10
Pinehurst Bank	Saint Paul	MN	Coulee Bank	21-May-10
Midwest Bank and Trust Company	Elmwood Park	IL	FirstMerit Bank, N.A.	14-May-10
Southwest Community Bank	Springfield	MO	Simmons First National Bank	14-May-10
New Liberty Bank	Plymouth	MI	Bank of Ann Arbor	14-May-10
Satilla Community Bank	Saint Marys	GA	Ameris Bank	14-May-10
1st Pacific Bank of California	San Diego	CA	City National Bank	7-May-10
Towne Bank of Arizona	Mesa	AZ	Commerce Bank of Arizona	7-May-10
Access Bank	Champlin	MN	PrinsBank	7-May-10
The Bank of Bonifay	Bonifay	FL	First Federal Bank of Florida	7-May-10
Frontier Bank	Everett	WA	Union Bank, N.A.	30-Apr-10
BC National Banks	Butler	MO	Community First Bank	30-Apr-10
Champion Bank	Creve Coeur	MO	BankLiberty	30-Apr-10
CF Bancorp	Port Huron	MI	First Michigan Bank	30-Apr-10
Westernbank Puerto Rico	Mayaguez	PR	Banco Popular de Puerto Rico	30-Apr-10
R-G Premier Bank of Puerto Rico	Hato Rey	PR	Scotiabank de Puerto Rico	30-Apr-10
Eurobank	San Juan	PR	Oriental Bank and Trust	30-Apr-10
Wheatland Bank	Naperville	IL	Wheaton Bank & Trust	23-Apr-10
Peotone Bank and Trust Company	Peotone	IL	First Midwest Bank	23-Apr-10
Lincoln Park Savings Bank	Chicago	IL	Northbrook Bank & Trust Company	23-Apr-10
New Century Bank	Chicago	IL	MB Financial Bank, N.A.	23-Apr-10
Citizens Bank and Trust Company of Chicago	Chicago	IL	Republic Bank of Chicago	23-Apr-10
Broadway Bank	Chicago	IL	MB Financial Bank, N.A.	23-Apr-10
Amcore Bank, National Association	Rockford	IL	Harris N.A.	23-Apr-10
City Bank	Lynnwood	WA	Whidbey Island Bank	16-Apr-10
Tamalpais Bank	San Rafael	CA	Union Bank, N.A.	16-Apr-10
Innovative Bank	Oakland	CA	Center Bank	16-Apr-10
Butler Bank	Lowell	MA	People's United Bank	16-Apr-10
Riverside National Bank of Florida	Fort Pierce	FL	TD Bank, N.A.	16-Apr-10
AmericanFirst Bank	Clermont	FL	TD Bank, N.A.	16-Apr-10
First Federal Bank of North Florida	Palatka	FL	TD Bank, N.A.	16-Apr-10
Lakeside Community Bank	Sterling Heights	MI	No Acquirer	16-Apr-10
Beach First National Bank	Myrtle Beach	SC	Bank of North Carolina	9-Apr-10
Desert Hills Bank	Phoenix	AZ	New York Community Bank	26-Mar-10
Unity National Bank	Cartersville	GA	Bank of the Ozarks	26-Mar-10
Key West Bank	Key West	FL	Centennial Bank	26-Mar-10
McIntosh Commercial Bank	Carrollton	GA	CharterBank	26-Mar-10
State Bank of Aurora	Aurora	MN	Northern State Bank	19-Mar-10
First Lowndes Bank	Fort Deposit	AL	First Citizens Bank	19-Mar-10
Bank of Hiawassee	Hiawassee	GA	Citizens South Bank	19-Mar-10
Appalachian Community Bank	Ellijay	GA	Community & Southern Bank	19-Mar-10
Advanta Bank Corp.	Draper	UT	No Acquirer	19-Mar-10
Century Security Bank	Duluth	GA	Bank of Upson	19-Mar-10
American National Bank	Parma	OH	The National Bank and Trust Company	19-Mar-10
Statewide Bank	Covington	LA	Home Bank	12-Mar-10
Old Southern Bank	Orlando	FL	Centennial Bank	12-Mar-10
The Park Avenue Bank	New York	NY	Valley National Bank	12-Mar-10
LibertyPointe Bank	New York	NY	Valley National Bank	11-Mar-10
Centennial Bank	Ogden	UT	No Acquirer	5-Mar-10
Waterfield Bank	Germantown	MD	No Acquirer	5-Mar-10
Bank of Illinois	Normal	IL	Heartland Bank and Trust Company	5-Mar-10
Sun American Bank	Boca Raton	FL	First-Citizens Bank & Trust Company	5-Mar-10
Rainier Pacific Bank	Tacoma	WA	Umpqua Bank	26-Feb-10
Carson River Community Bank	Carson City	NV	Heritage Bank of Nevada	26-Feb-10
La Jolla Bank, FSB	La Jolla	CA	OneWest Bank, FSB	19-Feb-10
George Washington Savings Bank	Orland Park	IL	FirstMerit Bank, N.A.	19-Feb-10
The La Coste National Bank	La Coste	TX	Community National Bank	19-Feb-10
Marco Community Bank	Marco Island	FL	Mutual of Omaha Bank	19-Feb-10
1st American State Bank of Minnesota	Hancock	MN	Community Development Bank, FSB	5-Feb-10
American Marine Bank	Bainbridge Island	WA	Columbia State Bank	29-Jan-10
First Regional Bank	Los Angeles	CA	First-Citizens Bank & Trust Company	29-Jan-10
Community Bank and Trust	Cornelia	GA	SCBT National Association	29-Jan-10
Marshall Bank, N.A.	Hallock	MN	United Valley Bank	29-Jan-10
Florida Community Bank	Immokalee	FL	Premier American Bank, N.A.	29-Jan-10
First National Bank of Georgia	Carrollton	GA	Community & Southern Bank	29-Jan-10
Columbia River Bank	The Dalles	OR	Columbia State Bank	22-Jan-10
Evergreen Bank	Seattle	WA	Umpqua Bank	22-Jan-10
Charter Bank	Santa Fe	NM	Charter Bank	22-Jan-10
Bank of Leeton	Leeton	MO	Sunflower Bank, N.A.	22-Jan-10
Premier American Bank	Miami	FL	Premier American Bank, N.A.	22-Jan-10
Barnes Banking Company	Kaysville	UT	No Acquirer	15-Jan-10
St. Stephen State Bank	St. Stephen	MN	First State Bank of St. Joseph	15-Jan-10
Town Community Bank & Trust	Antioch	IL	First American Bank	15-Jan-10
Horizon Bank	Bellingham	WA	Washington Federal Savings and Loan Association	8-Jan-10
First Federal Bank of California, F.S.B.	Santa Monica	CA	OneWest Bank, FSB	18-Dec-09
Imperial Capital Bank	La Jolla	CA	City National Bank	18-Dec-09
Independent Bankers' Bank	Springfield	IL	The Independent BankersBank (TIB)	18-Dec-09
New South Federal Savings Bank	Irondale	AL	Beal Bank	18-Dec-09
Citizens State Bank	New Baltimore	MI	No Acquirer	18-Dec-09
Peoples First Community Bank	Panama City	FL	Hancock Bank	18-Dec-09
RockBridge Commercial Bank	Atlanta	GA	No Acquirer	18-Dec-09
SolutionsBank	Overland Park	KS	Arvest Bank	11-Dec-09
Valley Capital Bank, N.A.	Mesa	AZ	Enterprise Bank & Trust	11-Dec-09
Republic Federal Bank, N.A.	Miami	FL	1st United Bank	11-Dec-09
Greater Atlantic Bank	Reston	VA	Sonabank	4-Dec-09
Benchmark Bank	Aurora	IL	MB Financial Bank, N.A.	4-Dec-09
AmTrust Bank	Cleveland	OH	New York Community Bank	4-Dec-09
The Tattnall Bank	Reidsville	GA	Heritage Bank of the South	4-Dec-09
First Security National Bank	Norcross	GA	State Bank and Trust Company	4-Dec-09
The Buckhead Community Bank	Atlanta	GA	State Bank and Trust Company	4-Dec-09
Commerce Bank of Southwest Florida	Fort Myers	FL	Central Bank	20-Nov-09
Pacific Coast National Bank	San Clemente	CA	Sunwest Bank	13-Nov-09
Orion Bank	Naples	FL	IBERIABANK	13-Nov-09
Century Bank, F.S.B.	Sarasota	FL	IBERIABANK	13-Nov-09
United Commercial Bank	San Francisco	CA	East West Bank	6-Nov-09
Gateway Bank of St. Louis	St. Louis	MO	Central Bank of Kansas City	6-Nov-09
Prosperan Bank	Oakdale	MN	Alerus Financial, N.A.	6-Nov-09
Home Federal Savings Bank	Detroit	MI	Liberty Bank and Trust Company	6-Nov-09
United Security Bank	Sparta	GA	Ameris Bank	6-Nov-09
North Houston Bank	Houston	TX	U.S. Bank N.A.	30-Oct-09
Madisonville State Bank	Madisonville	TX	U.S. Bank N.A.	30-Oct-09
Citizens National Bank	Teague	TX	U.S. Bank N.A.	30-Oct-09
Park National Bank	Chicago	IL	U.S. Bank N.A.	30-Oct-09
Pacific National Bank	San Francisco	CA	U.S. Bank N.A.	30-Oct-09
California National Bank	Los Angeles	CA	U.S. Bank N.A.	30-Oct-09
San Diego National Bank	San Diego	CA	U.S. Bank N.A.	30-Oct-09
Community Bank of Lemont	Lemont	IL	U.S. Bank N.A.	30-Oct-09
Bank USA, N.A.	Phoenix	AZ	U.S. Bank N.A.	30-Oct-09
First DuPage Bank	Westmont	IL	First Midwest Bank	23-Oct-09
Riverview Community Bank	Otsego	MN	Central Bank	23-Oct-09
Bank of Elmwood	Racine	WI	Tri City National Bank	23-Oct-09
Flagship National Bank	Bradenton	FL	First Federal Bank of Florida	23-Oct-09
Hillcrest Bank Florida	Naples	FL	Stonegate Bank	23-Oct-09
American United Bank	Lawrenceville	GA	Ameris Bank	23-Oct-09
Partners Bank	Naples	FL	Stonegate Bank	23-Oct-09
San Joaquin Bank	Bakersfield	CA	Citizens Business Bank	16-Oct-09
Southern Colorado National Bank	Pueblo	CO	Legacy Bank	2-Oct-09
Jennings State Bank	Spring Grove	MN	Central Bank	2-Oct-09
Warren Bank	Warren	MI	The Huntington National Bank	2-Oct-09
Georgian Bank	Atlanta	GA	First Citizens Bank and Trust Company, Inc.	25-Sep-09
Irwin Union Bank, F.S.B.	Louisville	KY	First Financial Bank, N.A.	18-Sep-09
Irwin Union Bank and Trust Company	Columbus	IN	First Financial Bank, N.A.	18-Sep-09
Venture Bank	Lacey	WA	First-Citizens Bank & Trust Company	11-Sep-09
Brickwell Community Bank	Woodbury	MN	CorTrust Bank N.A.	11-Sep-09
Corus Bank, N.A.	Chicago	IL	MB Financial Bank, N.A.	11-Sep-09
First State Bank	Flagstaff	AZ	Sunwest Bank	4-Sep-09
Platinum Community Bank	Rolling Meadows	IL	No Acquirer	4-Sep-09
Vantus Bank	Sioux City	IA	Great Southern Bank	4-Sep-09
InBank	Oak Forest	IL	MB Financial Bank, N.A.	4-Sep-09
First Bank of Kansas City	Kansas City	MO	Great American Bank	4-Sep-09
Affinity Bank	Ventura	CA	Pacific Western Bank	28-Aug-09
Mainstreet Bank	Forest Lake	MN	Central Bank	28-Aug-09
Bradford Bank	Baltimore	MD	Manufacturers and Traders Trust Company (M&T Bank)	28-Aug-09
Guaranty Bank	Austin	TX	BBVA Compass	21-Aug-09
CapitalSouth Bank	Birmingham	AL	IBERIABANK	21-Aug-09
First Coweta Bank	Newnan	GA	United Bank	21-Aug-09
ebank	Atlanta	GA	Stearns Bank, N.A.	21-Aug-09
Community Bank of Nevada	Las Vegas	NV	No Acquirer	14-Aug-09
Community Bank of Arizona	Phoenix	AZ	MidFirst Bank	14-Aug-09
Union Bank, National Association	Gilbert	AZ	MidFirst Bank	14-Aug-09
Colonial Bank	Montgomery	AL	Branch Banking & Trust Company, (BB&T)	14-Aug-09
Dwelling House Savings and Loan Association	Pittsburgh	PA	PNC Bank, N.A.	14-Aug-09
Community First Bank	Prineville	OR	Home Federal Bank	7-Aug-09
Community National Bank of Sarasota County	Venice	FL	Stearns Bank, N.A.	7-Aug-09
First State Bank	Sarasota	FL	Stearns Bank, N.A.	7-Aug-09
Mutual Bank	Harvey	IL	United Central Bank	31-Jul-09
First BankAmericano	Elizabeth	NJ	Crown Bank	31-Jul-09
Peoples Community Bank	West Chester	OH	First Financial Bank, N.A.	31-Jul-09
Integrity Bank	Jupiter	FL	Stonegate Bank	31-Jul-09
First State Bank of Altus	Altus	OK	Herring Bank	31-Jul-09
Security Bank of Jones County	Gray	GA	State Bank and Trust Company	24-Jul-09
Security Bank of Houston County	Perry	GA	State Bank and Trust Company	24-Jul-09
Security Bank of Bibb County	Macon	GA	State Bank and Trust Company	24-Jul-09
Security Bank of North Metro	Woodstock	GA	State Bank and Trust Company	24-Jul-09
Security Bank of North Fulton	Alpharetta	GA	State Bank and Trust Company	24-Jul-09
Security Bank of Gwinnett County	Suwanee	GA	State Bank and Trust Company	24-Jul-09
Waterford Village Bank	Williamsville	NY	Evans Bank, N.A.	24-Jul-09
Temecula Valley Bank	Temecula	CA	First-Citizens Bank & Trust Company	17-Jul-09
Vineyard Bank	Rancho Cucamonga	CA	California Bank & Trust	17-Jul-09
BankFirst	Sioux Falls	SD	Alerus Financial, N.A.	17-Jul-09
First Piedmont Bank	Winder	GA	First American Bank and Trust Company	17-Jul-09
Bank of Wyoming	Thermopolis	WY	Central Bank & Trust	10-Jul-09
Founders Bank	Worth	IL	The PrivateBank and Trust Company	2-Jul-09
Millennium State Bank of Texas	Dallas	TX	State Bank of Texas	2-Jul-09
First National Bank of Danville	Danville	IL	First Financial Bank, N.A.	2-Jul-09
The Elizabeth State Bank	Elizabeth	IL	Galena State Bank and Trust Company	2-Jul-09
Rock River Bank	Oregon	IL	The Harvard State Bank	2-Jul-09
First State Bank of Winchester	Winchester	IL	The First National Bank of Beardstown	2-Jul-09
John Warner Bank	Clinton	IL	State Bank of Lincoln	2-Jul-09
Mirae Bank	Los Angeles	CA	Wilshire State Bank	26-Jun-09
MetroPacific Bank	Irvine	CA	Sunwest Bank	26-Jun-09
Horizon Bank	Pine City	MN	Stearns Bank, N.A.	26-Jun-09
Neighborhood Community Bank	Newnan	GA	CharterBank	26-Jun-09
Community Bank of West Georgia	Villa Rica	GA	No Acquirer	26-Jun-09
First National Bank of Anthony	Anthony	KS	Bank of Kansas	19-Jun-09
Cooperative Bank	Wilmington	NC	First Bank	19-Jun-09
Southern Community Bank	Fayetteville	GA	United Community Bank	19-Jun-09
Bank of Lincolnwood	Lincolnwood	IL	Republic Bank of Chicago	5-Jun-09
Citizens National Bank	Macomb	IL	Morton Community Bank	22-May-09
Strategic Capital Bank	Champaign	IL	Midland States Bank	22-May-09
BankUnited, FSB	Coral Gables	FL	BankUnited	21-May-09
Westsound Bank	Bremerton	WA	Kitsap Bank	8-May-09
America West Bank	Layton	UT	Cache Valley Bank	1-May-09
Citizens Community Bank	Ridgewood	NJ	North Jersey Community Bank	1-May-09
Silverton Bank, NA	Atlanta	GA	No Acquirer	1-May-09
First Bank of Idaho	Ketchum	ID	U.S. Bank, N.A.	24-Apr-09
First Bank of Beverly Hills	Calabasas	CA	No Acquirer	24-Apr-09
Michigan Heritage Bank	Farmington Hills	MI	Level One Bank	24-Apr-09
American Southern Bank	Kennesaw	GA	Bank of North Georgia	24-Apr-09
Great Basin Bank of Nevada	Elko	NV	Nevada State Bank	17-Apr-09
American Sterling Bank	Sugar Creek	MO	Metcalf Bank	17-Apr-09
New Frontier Bank	Greeley	CO	No Acquirer	10-Apr-09
Cape Fear Bank	Wilmington	NC	First Federal Savings and Loan Association	10-Apr-09
Omni National Bank	Atlanta	GA	No Acquirer	27-Mar-09
TeamBank, NA	Paola	KS	Great Southern Bank	20-Mar-09
Colorado National Bank	Colorado Springs	CO	Herring Bank	20-Mar-09
FirstCity Bank	Stockbridge	GA	No Acquirer	20-Mar-09
Freedom Bank of Georgia	Commerce	GA	Northeast Georgia Bank	6-Mar-09
Security Savings Bank	Henderson	NV	Bank of Nevada	27-Feb-09
Heritage Community Bank	Glenwood	IL	MB Financial Bank, N.A.	27-Feb-09
Silver Falls Bank	Silverton	OR	Citizens Bank	20-Feb-09
Pinnacle Bank of Oregon	Beaverton	OR	Washington Trust Bank of Spokane	13-Feb-09
Corn Belt Bank & Trust Co.	Pittsfield	IL	The Carlinville National Bank	13-Feb-09
Riverside Bank of the Gulf Coast	Cape Coral	FL	TIB Bank	13-Feb-09
Sherman County Bank	Loup City	NE	Heritage Bank	13-Feb-09
County Bank	Merced	CA	Westamerica Bank	6-Feb-09
Alliance Bank	Culver City	CA	California Bank & Trust	6-Feb-09
FirstBank Financial Services	McDonough	GA	Regions Bank	6-Feb-09
Ocala National Bank	Ocala	FL	CenterState Bank of Florida, N.A.	30-Jan-09
Suburban FSB	Crofton	MD	Bank of Essex	30-Jan-09
MagnetBank	Salt Lake City	UT	No Acquirer	30-Jan-09
1st Centennial Bank	Redlands	CA	First California Bank	23-Jan-09
Bank of Clark County	Vancouver	WA	Umpqua Bank	16-Jan-09
National Bank of Commerce	Berkeley	IL	Republic Bank of Chicago	16-Jan-09
Sanderson State Bank	Sanderson	TX	The Pecos County State Bank	12-Dec-08
Haven Trust Bank	Duluth	GA	Branch Banking & Trust Company, (BB&T)	12-Dec-08
First Georgia Community Bank	Jackson	GA	United Bank	5-Dec-08
PFF Bank & Trust	Pomona	CA	U.S. Bank, N.A.	21-Nov-08
Downey Savings & Loan	Newport Beach	CA	U.S. Bank, N.A.	21-Nov-08
Community Bank	Loganville	GA	Bank of Essex	21-Nov-08
Security Pacific Bank	Los Angeles	CA	Pacific Western Bank	7-Nov-08
Franklin Bank, SSB	Houston	TX	Prosperity Bank	7-Nov-08
Freedom Bank	Bradenton	FL	Fifth Third Bank	31-Oct-08
Alpha Bank & Trust	Alpharetta	GA	Stearns Bank, N.A.	24-Oct-08
Meridian Bank	Eldred	IL	National Bank	10-Oct-08
Main Street Bank	Northville	MI	Monroe Bank & Trust	10-Oct-08
Washington Mutual Bank (Including its subsidiary Washington Mutual Bank FSB)	Henderson	NV	JP Morgan Chase Bank	25-Sep-08
Ameribank	Northfork	WV	The Citizens Savings Bank ********** Pioneer Community Bank, Inc.	19-Sep-08
Silver State Bank	Henderson	NV	Nevada State Bank	5-Sep-08
Integrity Bank	Alpharetta	GA	Regions Bank	29-Aug-08
Columbian Bank & Trust	Topeka	KS	Citizens Bank & Trust	22-Aug-08
First Priority Bank	Bradenton	FL	SunTrust Bank	1-Aug-08
First Heritage Bank, NA	Newport Beach	CA	Mutual of Omaha Bank	25-Jul-08
First National Bank of Nevada	Reno	NV	Mutual of Omaha Bank	25-Jul-08
IndyMac Bank	Pasadena	CA	OneWest Bank, FSB	11-Jul-08
First Integrity Bank, NA	Staples	MN	First International Bank and Trust	30-May-08
ANB Financial, NA	Bentonville	AR	Pulaski Bank and Trust Company	9-May-08
Hume Bank	Hume	MO	Security Bank	7-Mar-08
Douglass National Bank	Kansas City	MO	Liberty Bank and Trust Company	25-Jan-08
Miami Valley Bank	Lakeview	OH	The Citizens Banking Company	4-Oct-07
NetBank	Alpharetta	GA	ING DIRECT	28-Sep-07
Metropolitan Savings Bank	Pittsburgh	PA	Allegheny Valley Bank of Pittsburgh	2-Feb-07
Bank of Ephraim	Ephraim	UT	Far West Bank	25-Jun-04
Reliance Bank	White Plains	NY	Union State Bank	19-Mar-04
Guaranty National Bank of Tallahassee	Tallahassee	FL	Hancock Bank of Florida	12-Mar-04
Dollar Savings Bank	Newark	NJ	No Acquirer	14-Feb-04
Pulaski Savings Bank	Philadelphia	PA	Earthstar Bank	14-Nov-03
First National Bank of Blanchardville	Blanchardville	WI	The Park Bank	9-May-03
Southern Pacific Bank	Torrance	CA	Beal Bank	7-Feb-03
Farmers Bank of Cheneyville	Cheneyville	LA	Sabine State Bank & Trust	17-Dec-02
Bank of Alamo	Alamo	TN	No Acquirer	8-Nov-02
AmTrade International Bank	Atlanta	GA	No Acquirer	30-Sep-02
Universal Federal Savings Bank	Chicago	IL	Chicago Community Bank	27-Jun-02
Connecticut Bank of Commerce	Stamford	CT	Hudson United Bank	26-Jun-02
New Century Bank	Shelby Township	MI	No Acquirer	28-Mar-02
Net 1st National Bank	Boca Raton	FL	Bank Leumi USA	1-Mar-02
NextBank, NA	Phoenix	AZ	No Acquirer	7-Feb-02
Oakwood Deposit Bank Co.	Oakwood	OH	The State Bank & Trust Company	1-Feb-02
Bank of Sierra Blanca	Sierra Blanca	TX	The Security State Bank of Pecos	18-Jan-02
Hamilton Bank, NA	Miami	FL	Israel Discount Bank of New York	11-Jan-02
Sinclair National Bank	Gravette	AR	Delta Trust & Bank	7-Sep-01
Superior Bank, FSB	Hinsdale	IL	Superior Federal, FSB	27-Jul-01
Malta National Bank	Malta	OH	North Valley Bank	3-May-01
First Alliance Bank & Trust Co.	Manchester	NH	Southern New Hampshire Bank & Trust	2-Feb-01
National State Bank of Metropolis	Metropolis	IL	Banterra Bank of Marion	14-Dec-00
Bank of Honolulu	Honolulu	HI	Bank of the Orient	13-Oct-00

If a bank's Texas ratio is 100% or higher it doesn't necessarily mean the bank will fail, a bank can raise more capital to cover its losses, though not an easy thing to do these days during the credit crunch.

Individual deposits are now covered by FDIC insurance up to $250,000 so most depositors don't have to worry about a bank failing but if you have a business line of credit or are planning to obtain a mortgage from a bank that is on the list you should start thinking about banking elsewhere.

To compile your own Texas Ratio list using the FDIC's statistics, visit //www2.fdic.gov/sdi/main.asp and use the following equation, Non-performing Assets and bank real estate owned (REO) divided by Equity and Loss Reserves. ABC News recently reported on the Texas Ratio just after IndyMac Bank failed.

Author: Brian McKay

October 14th, 2008