Full List: America's Best And Worst Banks 2015

Kurt Badenhausen

Forbes Staff

This is the sixth straight year Forbes has ranked the 100 largest publicly traded banks and thrifts. Banks have made huge strides since the global financial crisis threatened to implode the global banking system. The FDIC’s “Problem Bank List” of banks shrank to 329 as of September from 515 a year ago (it was 884 at the end of 2010). Although, we are still miles away from the historic low of 47 banks from September 2006. U.S. bank failures are down to 17 this year versus 24 in 2013 and 157 in 2010, but the financial health of the biggest banks is still mixed. To sort out the best and worst among the biggest banks, we turned to Charlottesville, Va. financial data firm SNL Financial.

SNL supplied Forbes with data regarding the asset quality, capital adequacy and profitability of the 100 biggest banks by assets. They range in size from $2.5 trillion behemoth JPMorgan Chase JPM +0.02% to Oklahoma City-based BancFirst with $6.4 billion in assets. The metrics to rank the banks included net interest margin; nonperforming loans (NPLs) as a percentage of loans; nonperforming assets as a percentage of assets; reserves as a percentage of NPLs; two capital ratios (Tier 1 and risk-based) and leverage ratio. The data is based on the regulatory filings of banks and thrifts for the period ending Sept. 30. We also factored in return on average equity over the last 12 months.

While SNL provided the data, the rankings are done exclusively by Forbes. The final component of the rankings was revenue growth for the latest 12 months based on data from FactSet Research Systems FDS +0.99%. The nine metrics were weighted equally in the final ranking. Click here for the full story.

Rank	Company	Total assets ($bil)	Return on avg equity	NPLs/total loans	Reserves/ NPLs*	Tier 1 ratio	Leverage ratio
1	Signature Bank	$26	13.8%	0.1%	634%	15.5%	9.5%
2	Bank of Hawaii	15	15.5	0.6	285	15.3	7.2
3	BankUnited	18	10.6	0.3	269	17.2	11.2
4	SVB Financial Group	36	11.4	0.1	1,000+	14.0	8.2
5	State Street	275	10.0	0.0	1,000+	14.2	6.4
6	First Republic Bank	47	11.1	0.1	389	13.8	9.5
7	Prosperity Bancshares	21	9.6	0.5	174	13.2	7.4
8	Cullen/Frost Bankers	27	10.2	0.7	129	13.9	8.3
9	Commerce Bancshares	23	11.7	0.5	282	13.8	9.4
10	BancFirst	6	10.8	0.5	221	13.5	8.9
11	CVB Financial	7	12.8	1.0	162	17.3	10.7
12	Community Bank System	8	9.1	0.6	193	17.0	9.8
13	East West Bancorp	28	12.5	0.6	184	10.9	8.5
14	United Community Banks	8	8.7	0.3	464	12.1	8.7
15	UMB Financial	16	8.2	0.5	237	13.7	8.9
16	Umpqua Holdings	22	4.6	0.5	155	14.1	11.0
17	Columbia Banking System	7	7.7	0.7	206	13.1	10.5
18	Hilltop Holdings	9	8.5	0.8	98	18.6	13.6
19	Texas Capital Bancshares	14	10.8	0.3	224	8.8	10.2
20	National Penn Bancshares	9	8.7	0.7	235	14.8	11.2
21	Boston Private Financial	7	11.5	0.7	221	14.2	10.3
22	Glacier Bancorp	8	11.2	1.5	190	17.8	12.8
23	City National	32	8.8	0.3	642	9.9	7.4
24	Home BancShares	7	11.2	0.9	126	12.4	10.2
25	Northern Trust	111	9.2	0.8	110	13.4	7.9
26	First National of Nebraska	17	10.1	0.8	313	12.7	10.5
27	BancorpSouth	13	7.5	0.5	309	13.2	10.5
28	Central Bancompany	11	7.6	0.9	238	17.2	11.9
29	Investors Bancorp	18	5.5	0.8	158	26.9	19.9
30	Customers Bancorp	7	9.7	0.4	139	8.4	7.1
31	Cathay General Bancorp	12	8.9	0.7	263	14.8	12.7
32	U.S. Bancorp	391	13.9	0.8	195	11.3	9.4
33	NBT Bancorp	8	9.0	0.9	131	12.0	9.2
34	BOK Financial	29	9.8	0.7	208	13.7	10.2
35	BBCN Bancorp	7	10.1	1.0	121	13.7	11.8
36	BB&T	187	9.1	0.8	159	12.4	9.7
37	Capital One Financial	300	9.9	1.3	157	13.3	10.6
38	Washington Federal	15	8.0	1.1	129	22.7	11.4
39	OFG Bancorp	8	9.5	4.1	62	16.0	10.5
40	FirstMerit	25	8.5	1.0	89	11.2	8.2
41	Western Alliance Bancorporation	10	15.2	1.0	141	11.0	10.1
42	International Bancshares	12	10.4	1.4	90	19.1	12.2
43	New York Community Bancorp	49	8.3	0.3	166	12.1	8.1
44	Webster Financial	22	8.9	1.0	112	13.1	9.0
45	First Citizens BancShares	22	4.9	0.7	196	14.3	9.8
46	PrivateBancorp	15	11.0	0.6	205	11.1	10.7
47	Huntington Bancshares	64	10.1	0.9	155	11.6	9.8
48	First Interstate BancSystem	8	9.9	1.5	101	14.7	10.4
49	PacWest Bancorp	16	4.9	1.0	68	13.2	12.2
50	Chemical Financial	7	8.3	1.2	129	13.8	11.1
51	Capitol Federal Financial	10	5.0	0.4	37	33.0	13.2
52	Fifth Third Bancorp	134	10.0	0.8	201	10.8	9.8
53	IBERIABANK	16	5.9	0.7	163	11.2	9.2
54	Bank of the Ozarks	7	15.1	1.1	94	12.3	13.0
55	SunTrust Banks	187	8.3	0.7	225	10.5	9.5
56	South State	8	7.0	1.3	56	13.3	9.2
57	Zions Bancorporation	55	4.1	0.8	200	14.4	11.9
58	F.N.B.	16	7.2	0.9	124	11.1	8.7
59	Hancock Holding	20	7.1	0.7	139	11.6	9.5
60	United Bankshares	12	8.1	0.9	89	12.5	10.6
61	Old National Bancorp	11	8.0	1.8	42	13.0	8.9
62	Park National	7	11.6	2.6	47	13.2	9.4
63	Trustmark	12	9.0	1.9	62	13.5	9.5
64	Citigroup	1,883	4.5	1.5	168	13.0	9.0
65	KeyCorp	90	8.4	0.8	169	12.0	11.2
66	Bank of New York Mellon	386	7.6	0.9	34	12.3	5.8
67	Wintrust Financial	19	7.6	0.7	98	11.7	10.0
68	Provident Financial Svcs	8	6.6	1.0	103	12.0	9.1
69	Sterling Bancorp	7	3.1	1.1	80	10.3	8.1
70	Northwest Bancshares	8	5.9	1.5	80	16.5	11.2
71	Valley National Bancorp	17	8.4	0.8	110	9.6	7.4
72	Astoria Financial	15	6.0	1.0	99	17.9	10.6
73	JPMorgan Chase	2,527	10.4	1.6	117	11.5	7.6
74	First Horizon National	24	10.3	1.6	96	14.5	11.7
75	First Financial Bancorp	7	7.1	1.0	113	12.7	9.7
76	Comerica	69	7.7	0.7	172	10.6	10.8
77	TCF Financial	19	9.5	1.7	80	11.6	10.2
78	Fulton Financial	17	7.8	1.1	132	13.0	10.6
79	EverBank Financial	21	7.8	0.5	64	13.6	8.5
80	Union Bankshares	7	5.4	1.3	49	13.1	10.6
81	Susquehanna Bancshares	19	5.6	0.9	114	11.9	9.6
82	Wells Fargo	1,637	13.1	2.3	63	12.6	9.6
83	Associated Banc-Corp	26	6.6	1.0	148	10.7	7.9
84	Flagstar Bancorp	10	5.9	1.8	255	22.8	12.4
85	PNC Financial Services	335	9.8	1.6	104	12.8	11.1
86	First BanCorp	13	6.0	7.1	32	17.3	12.3
87	Citizens Financial Group	132	4.2	1.1	124	12.9	10.9
88	Bank of America	2,126	2.2	1.9	88	12.8	7.9
89	M&T Bank	97	8.6	1.6	87	12.5	10.6
90	Popular	34	-4.3	3.9	68	16.9	11.1
91	Regions Financial	119	7.2	1.4	106	12.7	11.0
92	Capital Bank Financial	7	4.5	3.2	34	18.4	14.4
93	TFS Financial	12	4.4	1.3	60	24.0	13.5
94	First Niagara Financial	38	-14.1	1.3	78	9.8	7.3
95	People’s United Financial	35	5.4	1.1	66	10.7	8.8
96	MB Financial	15	5.2	1.9	58	12.6	12.3
97	Synovus Financial	27	6.0	1.2	110	11.2	9.9
98	First Midwest Bancorp	9	7.2	1.4	80	9.9	8.9
99	Hudson City Bancorp	37	3.4	3.7	29	26.7	11.5
100	Doral Financial	7	-62.8	10.0	24	3.5	2.6
If capital ratios were not reported at the holding co. level, the unitary banking subsidaries ratios were used.*NPLs: Nonperforming loans include loans 90+ days past due and nonaccrual loans. Source: SNL Financial

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