Blog

Amidst the ever-evolving financial landscape, mid-sized banks in the U.S. hold a significant position, bridging the gap between smaller, nimble institutions and larger, resource-rich entities. Today, let's shine a spotlight on the top 5 mid-sized banks that are showcasing exceptional performance and resilience.

Before we delve into our list, let's take a moment to understand the Statum BankRank system. This metric provides a forward-looking perspective on how a bank will stack up against its peers in the coming months, utilizing six key performance indicators:

1. T1LR (Tier 1 Leverage Ratio)
2. AER (Average Efficiency Ratio)
3. ROA (Return on Assets)
4. ROE (Return on Equity)
5. TCE (Tangible Common Equity)
6. ROTC (Return on Tangible Common Equity)

Each parameter is rated on a scale from 1 to 9, with A+ representing 9 and C- being 1. These ratings are based on an AI model that ranks a bank among 4000+ US banks based in the US. The Statum GPA, an average of these ratings, offers a prediction of a bank's performance relative to all other banks big and small.

Now, onto the top 5 mid-sized banks who are predicted to be top performers:

   - Assets: $10.6B
   - Statum GPA: 6.17
   - Statum BankRank: 833
   - Standout Metrics: A- in ROA, A- in TCE

BancFirst has grown over the past century to more than 100 locations across 60 Oklahoma communities, managing nearly $10 billion in total assets and recognized as one of America’s safest banks.

   - Assets: $55.1B
   - Statum GPA: 6.17
   - Statum BankRank: 833
   - Standout Metrics: A- in T1LR, A- in TCE

CIBC U.S., headquartered in Chicago and backed by a 150-year-old Toronto-based global financial institution, provides tailored commercial, wealth management, personal, and small business financial solutions,

   - Assets: $36.0B
   - Statum GPA: 6.00
   - Statum BankRank: 1047
   - Standout Metrics: A- in ROA, A- in TCE

Bank OZK, headquartered in Little Rock, Arkansas, provides a comprehensive range of personal and business banking services, and has grown to over 240 locations across 10 states, backed by its strong financial performance and stability.

   - Assets: $11.0B
   - Statum GPA: 6.00
   - Statum BankRank: 1047
   - Standout Metrics: A- in ROA

Oriental Bank has grown to become one of Puerto Rico’s leading banks, with multiple branches across the island, making it the second-largest network and third-largest in core retail and commercial deposits. They offer a comprehensive range of banking, financial planning, trust, insurance, and investment services.

   - Assets: $21.8B
   - Statum GPA: 6.00
   - Statum BankRank: 1047
   - Standout Metrics: A- in ROE, A- in ROTCE, A- in AER

Axos Bank, headquartered in California, offers a wide array of personal and business banking services, including commercial and consumer lending, treasury management, and innovative digital banking solutions. Since its inception, Axos Bank has grown to serve clients nationwide, leveraging cutting-edge technology to provide seamless and efficient financial services. 

What sets the outlook of these banks apart from their peers?

1. Profitability: Strong ROA and ROE across the board.
2. Efficiency: Notably low efficiency ratios, indicating streamlined operations.
3. Capital Strength: Solid T1LR ratings reflect robust capital positions.
4. Balanced Performance: Demonstrating strength in multiple metrics, showcasing well-rounded operations.

Looking ahead, these mid-sized banks are showcasing resilience and adaptability in an unpredictable economic climate, positioning themselves well to tackle future challenges. Their performance serves as a benchmark for others aiming to enhance their operations and outlook.

With a diverse range of asset sizes among the top 5, these banks prove that excellence is achievable at various scales within the mid-sized bank category. Each institution has carved out its niche, whether through specialized services or a comprehensive banking offering.

Compare your bank's performance with peers by clicking here. Enter your bank's name to access your ratings on all six key indicators, your Statum GPA, and your Statum BankRank. You even have the flexibility to choose your peer group from a wide array of over 4000 banks nationwide.