The future of a bank is not what it used to be. With due apologies to Yogi Berra, it is hard to predict the outlook of a small bank. In the last 4 years we have gone from a doomsday scenario of anticipated bank runs to an environment of high margins and a surfeit of deposits after covid and later into the unchartered waters of rapid rate hikes and actual bank runs before settling into the prevailing uncertainties of interest rates and economic forecasts.
Most small banks don’t like roller coasters. However, some will manage them better than others. Statum BankRank provides an outlook on how a bank will rank compared to all other US banks in coming months by looking at a their past performance on multiple parameters.
Statum BankRank uses six key performance parameters: T1LR (Tier 1 Leverage Ratio), AER (Average Efficiency Ratio), ROA (Return on Assets), ROE (Return on Equity), TCE (Tangible Common Equity), and ROTC (Return on Tangible Common Equity). Unlike traditional approaches, Statum looks at how a bank ranks compared to all other banks. So if market conditions change, it indicates how resilient a bank is compared to others.
The Statum BankRank Top 10
Here are the Top 10 small banks between $100M and $10B in assets and their Statum BankRank.
Name of Financial Institution |
Assets ($000s) |
Statum GPA |
Statum BankRank |
| FIRST BANK , OK | $105,238 | 8.0 | 1 |
| STATE BANK OF COCHRAN , GA | $264,985 | 8.0 | 1 |
| FIRST SECURITY BANK - SLEEPY EYE , MN | $181,022 | 7.8 | 4 |
| FNB PICAYUNE BANK , MS | $265,451 | 7.8 | 4 |
| CENTRAL STATE BANK , IL | $169,076 | 7.7 | 7 |
| FIRST NATIONAL BANK OF WINNSBORO, THE , TX | $163,197 | 7.7 | 7 |
| COMMUNITY BANK , TX | $307,035 | 7.7 | 7 |
| MCKENZIE BANKING COMPANY , TN | $198,986 | 7.7 | 7 |
| MAGNOLIA STATE BANK , GA | $203,800 | 7.7 | 7 |
| GRANT COUNTY STATE BANK , IN | $329,598 | 7.7 | 7 |
How Banks Get Their Ratings and Statum GPA
Each bank's rating is based on the six key performance parameters compared to other banks. Each parameter is rated on a scale from 1 to 9 where A+ is 9 and C- is 1. For example, if a bank's ratings are: T1LR: 8, AER: 7, ROA: 6, ROE: 9, TCE: 7, ROTC: 8, their GPA would be calculated as follows: Total: 8 + 7 + 6 + 9 + 7 + 8 = 45. Statum GPA: 45 / 6 = 7.5. Statum BankRank is a ranking of a bank's Statum GPA compared to all banks in the most recent quarter.
A Statum GPA of 7.5 would be between an A- and an A, indicating good to very good overall performance compared to all banks in the US.
What is My Statum BankRank among my peers?
You can see where you stand compared to your peers by clicking here. Just enter your bank name and see your ratings on all 6 parameters, your Statum GPA and your Statum BankRank. You can also choose your peer group by picking from any of the 4000+ banks in the US.
See the future. Read the past. Run the future.
In today’s unpredictable economic times, with changing rates, inflation, and credit quality, banks can use advanced data tools to manage uncertainty. Statum BankRank uses a machine learning model to predict how well a bank will rank based on recent Key Performance Indicators (KPIs). Statum BankRank is part of Statum KPI from Amberoon, which offers insights for over 4,000 banks and 60,000 branch locations, providing detailed information on communities across the country. Learn more about Statum KPI here.
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