IRA Presents,


About IRABankRatings.com
The Youngest Banks in America
'DeNovo' institutions with FDIC begin dates within the last 3 years.
Source: IRA Bank Monitor
These are the babies on the block, working hard to grow up fast in a demanding and competitive environment. They are the yin to the yang of the 100+ year old banks that have been with us since before there were airplanes.

Caveat emptor! Know them before loving them. Like all start-ups, not everyone makes it. Do your homework! Oh and if you don't think banking is hard work, talk to one of these guys.


Search a U.S. Zip Code:   

De Novos less than one year old
Brand new, flush with capital, and armed with freshly minted business plans on file with the FDIC, these banks are on the war path to grow deposits and find their lending niches.
GREAT NATIONS BANK born: 200909
2200 ALAMEDA STREET
NORMAN, OK 73071
FIRST COMMONS BANK NA born: 200909 ('B' or better)
718 BEACON STREET
NEWTON CENTER, MA 2459
COASTWAY COMMUNITY BANK born: 200909
ONE COASTWAY PLAZA
CRANSTON, RI 2910
LIBERTY BANK OF WASHINGTON born: 200906
19917 SEVENTH AVENUE NE
POULSBO, WA 98370
GRAND RIVER BANK born: 200906
4471 WILSON AVENUE
GRANDVILLE, MI 49418
member of
GRAND RIVER COMMERCE, INC.
OAK VIEW NATIONAL BANK born: 200906 ('B' or better)
128 BROADVIEW AVENUE
WARRENTON, VA 20186
COASTAL CAROLINA NB born: 200906 ('B' or better)
1012 38TH AVE N
MYRTLE BEACH, SC 29577
member of
COASTAL CAROLINA BANCSHARES, INC.
COASTAL BANK&TRUST born: 200906
2414 N MARINE BLVD
JACKSONVILLE, NC 28546
BANDERA FIRST STATE BANK born: 200906 ('B' or better)
800 MAIN STREET
BANDERA, TX 78003
member of
BANDERA FIRST STATE BANCSHARES, INC.
R BANK born: 200906
1900 ROUND ROCK AVENUE
ROUND ROCK, TX 78681
HANOVER COMMUNITY BANK born: 200903
2131 JERICHO TURNPIKE
GARDEN CITY PARK, NY 11040
MINT NATIONAL BANK born: 200903 ('B' or better)
1213 KINGWOOD DRIVE
KINGWOOD, TX 77339
BROWARD BANK OF COMMERCE born: 200903 ('B' or better)
101 NE 3RD AVE, TOWER 101, S
FORT LAUDERDALE, FL 33301
member of
BROWARD FINANCIAL HOLDINGS, INC.
VALLEY REPUBLIC BANK born: 200903 ('B' or better)
5000 CALIFORNIA AVE, # 110
BAKERSFIELD, CA 93309
WPS COMMUNITY BANK FSB born: 200903 ('B' or better)
5900 GISHOLT DR
MADISON, WI 53713
BLUEGRASS COMMUNITY BANK born: 200903 ('B' or better)
113 SMOKY WAY
DANVILLE, KY 40422
CORNERSTONE BANK N A born: 200903 ('B' or better)
54 SOUTH MAIN STREET
LEXINGTON, VA 24450
FIRST GREEN BANK born: 200903 ('B' or better)
18251 STATE HIGHWAY 441
MOUNT DORA, FL 32757
ANN ARBOR STATE BANK born: 200903 ('B' or better)
125 W. WILLIAM STREET
ANN ARBOR, MI 48104
De Novos between one and two years old
One candle flame lit, these banks now need to show you they are learning to find their 'sweet' spots. Quality matters! Core deposits should be replacing other liabilities and a book of good loans should be showing up on the books.
NOA BANK born: 200812 ('B' or better)
2476 PLEASANT HILL ROAD
DULUTH, GA 30096
VERITY BANK born: 200812 ('B' or better)
94 WEST ATHENS STREET
WINDER, GA 30680
member of
VERITY CAPITAL GROUP, INC.
INDEPENDENCE BANK OF GEORGIA born: 200812 ('B' or better)
6322 GRAND HICKORY DRIVE, #
BRASELTON, GA 30517
FIRST CMTY BK OF PLAINFIELD born: 200812 ('B' or better)
14150 S ROUTE 30
PLAINFIELD, IL 60544
member of
FIRST COMMUNITY FINANCIAL PARTNERS, INC.
COMMUNITY FIRST BANK born: 200812 ('B' or better)
408 ELIZABETH AVENUE
SOMERSET, NJ 8873
ONE SOUTH BANK born: 200812
1385 MAIN STREET
CHIPLEY, FL 32428
REUNION BANK OF FLORIDA born: 200812 ('B' or better)
1892 E. BURLEIGH BOULEVARD
TAVARES, FL 32778
ROYAL BUSINESS BANK born: 200812 ('B' or better)
660 S FIGUEROA ST, # 1888
LOS ANGELES, CA 90017
GENERATIONS BANK born: 200812 ('B' or better)
1285 CHESTNUT BYPASS
CENTRE, AL 35960
member of
ALTRUST FINANCIAL SERVICES, INC.
SPRINGFIELD FIRST CMTY BANK born: 200812 ('B' or better)
2006 SOUTH GLENSTONE AVENUE
SPRINGFIELD, MO 65804
member of
SPRINGFIELD BANCSHARES, INC.
SCOTTRADE BANK born: 200809 ('B' or better)
700 MARYVILLE CENTRE DRIVE
SAINT LOUIS, MO 63141
COMMUNITY CAPITAL BANK OF VA born: 200809 ('B' or better)
990 CAMBRIA STREET, NE
CHRISTIANSBURG, VA 24073
member of
VIRGINIA COMMUNITY CAPITAL, INC.
GREAT STATE BANK born: 200809 ('B' or better)
1422 HIGHWAY 421A
WILKESBORO, NC 28697
VIBRA BANK born: 200809
530 BROADWAY
CHULA VISTA, CA 91910
NEW JERSEY COMMUNITY BANK born: 200809
3441 HIGHWAY 9
FREEHOLD, NJ 7728
HARMONY BANK born: 200809 ('B' or better)
2120 WEST COUNTY LINE ROAD
JACKSON, NJ 8527
COMMUNITY STATE BANK born: 200809 ('B' or better)
717 NORTH MAIN STREET
LAMAR, CO 81052
member of
COMMUNITY STATE BANKSHARES, INC.
SPRING BANK born: 200809 ('B' or better)
16620 W BLUEMOUND RD, # 100A
BROOKFIELD, WI 53005
CHATTAHOOCHEE BANK OF GA born: 200809 ('B' or better)
643 E. E. BUTLER PARKWAY
GAINESVILLE, GA 30501
NEW TRADITIONS NATIONAL BANK born: 200809
600 WILKINSON ST., STE 100
ORLANDO, FL 32803
CAPSTAR BANK born: 200809 ('B' or better)
201 4TH AVE NORTH, # 950
NASHVILLE, TN 37219
VIRGINIA PARTNERS BANK born: 200809 ('B' or better)
410 WILLIAM STREET
FREDERICKSBURG, VA 22401
REDSTONE BANK born: 200809 ('B' or better)
15765 EAST ARAPAHOE ROAD
CENTENNIAL, CO 80016
LIBERTY CAPITAL BANK born: 200809 ('B' or better)
5055 KELLER SPRINGS RD, # 12
ADDISON, TX 75001
PROFESSIONAL BANK born: 200809 ('B' or better)
1567 SAN REMO AVENUE
CORAL GABLES, FL 33146
CAPITALSOURCE BANK born: 200809 ('B' or better)
633 WEST FIFTH STREET
LOS ANGELES, CA 90071
BANK OF FAIRFIELD born: 200809
55 E 52ND ST
NEW YORK, NY 10022
member of
BNC FINANCIAL GROUP, INC.
PYRAMIS GLOBAL ADVISORS TR born: 200806
ONE SPARTAN WAY
MERRIMACK, NH 3054
CROSS RIVER BANK born: 200806 ('B' or better)
885 TEANECK ROAD
TEANECK, NJ 7666
NUVO BANK&TRUST CO born: 200806 ('B' or better)
1500 MAIN STREET
SPRINGFIELD, MA 1115
WESTCHESTER BANK born: 200806 ('B' or better)
2001 CENTRAL PARK AVENUE
YONKERS, NY 10710
member of
WESTCHESTER BANK HOLDING CORPORATION, THE
COMPASS COMMUNITY BANK born: 200806 ('B' or better)
1150 N ROOSEVELT DRIVE, # 10
SEASIDE, OR 97138
LIVE OAK BANKING CO born: 200806 ('B' or better)
1741 TIBURON DRIVE
WILMINGTON, NC 28403
INTRACOASTAL BANK born: 200806 ('B' or better)
1290 PALM COAST PARKWAY NW
PALM COAST, FL 32137
ROMASIA BANK born: 200806
4287 US HIGHWAY 1
MONMOUTH JUNCTIO, NJ 8852
FREEDOM BANK born: 200806 ('B' or better)
550 KINDERKAMACK ROAD
ORADELL, NJ 7649
GATEWAY BANK OF SOUTHWEST FL born: 200806 ('B' or better)
1100 S. TAMIAMI TRAIL
SARASOTA, FL 34236
member of
GATEWAY FINANCIAL HOLDINGS OF FLORIDA, INC.
SUNCREST BANK born: 200806 ('B' or better)
400 WEST CENTER AVENUE
VISALIA, CA 93291
TEXAS SECURITY BANK born: 200806 ('B' or better)
1212 TURTLE CREEK BLVD.
DALLAS, TX 75207
FIELDPOINT PRIVATE B&T born: 200806
100 FIELD POINT
GREENWICH, CT 6830
RESURGENS BANK born: 200806 ('B' or better)
3953 LAVISTA ROAD
TUCKER, GA 30084
member of
RESURGENS BANCORP
PREMIER COMMERCIAL BANK born: 200806 ('B' or better)
701 GREEN VALLEY RD, # 102
GREENSBORO, NC 27408
BLUERIDGE BANK born: 200806 ('B' or better)
18 WEST PATRICK STREET
FREDERICK, MD 21701
PALM BEACH COMMUNITY BANK born: 200806 ('B' or better)
8101 OKEECHOBEE BOULEVARD
WEST PALM BEACH, FL 33411
SUMMIT BANK NATIONAL ASSN born: 200806 ('B' or better)
101 WEST 23RD STREET
PANAMA CITY, FL 32405
member of
SUMMIT FINANCIAL ENTERPRISES, INC.
PARKSIDE FINANCIAL B&T born: 200806 ('B' or better)
8112 MARYLAND AVE, # 101
CLAYTON, MO 63105
member of
PARKSIDE FINANCIAL, INC.
PRIME BANK born: 200806 ('B' or better)
1016 WEST COVELL RD
EDMOND, OK 73003
member of
PRIME BANK GROUP, INC.
KIRKWOOD BANK OF NEVADA born: 200806
9436 W. LAKE MEAD BOULEVARD
LAS VEGAS, NV 89134
member of
KIRKWOOD BANCORPORATION CO.
MINNESOTA BANK&TRUST born: 200806 ('B' or better)
7701 FRANCE AVENUE SOUTH
EDINA, MN 55435
member of
HEARTLAND FINANCIAL USA, INC.
MARLIN BUSINESS BANK born: 200803 ('B' or better)
2795 E COTTONWOOD PARKWAY, #
SALT LAKE CITY, UT 84121
MEGA BANK born: 200803 ('B' or better)
245 WEST VALLEY BOULEVARD
SAN GABRIEL, CA 91776
CAPITAL BANK born: 200803 ('B' or better)
31351 RANCHO VIEJO RD, # 101
SAN JUAN CAPISTR, CA 92675
TOWN&COUNTRY BANK born: 200803
405 E. ST. GEORGE BOULEVARD
SAINT GEORGE, UT 84770
COLLIN BANK born: 200803
2701 DALLAS PARKWAY, # 100
PLANO, TX 75093
VICTORY BANK born: 200803 ('B' or better)
548 NORTH LEWIS ROAD
LIMERICK, PA 19468
COMMUNITY BUSINESS BANK born: 200803 ('B' or better)
407 EAST MAPLE STREET
CUMMING, GA 30040
EMPIRE NATIONAL BANK born: 200803 ('B' or better)
1707 VETERANS HIGHWAY
ISLANDIA, NY 11749
SAVOY BANK born: 200803
1675 BROADWAY
NEW YORK, NY 10019
FIRST COLONY BANK OF FLORIDA born: 200803 ('B' or better)
711 NORTH ORLANDO AVENUE
MAITLAND, FL 32751
VISTABANK born: 200803 ('B' or better)
128 LAURENS STREET, NW
AIKEN, SC 29801
METRO BANK born: 200803 ('B' or better)
9340 THE LANDING DRIVE
DOUGLASVILLE, GA 30135
member of
METRO BANCSHARES, INC.
GOLD COAST BANK born: 200803 ('B' or better)
2929 EXPRESSWAY DRIVE NORTH
ISLANDIA, NY 11749
LAGRANGE BANKING CO born: 200803 ('B' or better)
101 CALUMET CENTER ROAD
LAGRANGE, GA 30241
MEMORIAL CITY BANK born: 200803 ('B' or better)
820 GESSNER ROAD
HOUSTON, TX 77024
TOUCHMARK NATIONAL BANK born: 200803 ('B' or better)
3651 OLD MILTON PARKWAY
ALPHARETTA, GA 30005
member of
TOUCHMARK BANCSHARES, INC.
BLUEHARBOR BANK born: 200803 ('B' or better)
106 CORPORATE PARK DRIVE
MOORESVILLE, NC 28117
FOREST COMMERCIAL BANK born: 200803
1127 HENDERSONVILLE ROAD
ASHEVILLE, NC 28803
PRIME MERIDIAN BANK born: 200803 ('B' or better)
1471 TIMBERLANE RD, # 124
TALLAHASSEE, FL 32312
ADAMS DAIRY BANK born: 200803 ('B' or better)
651 NE CORONADO DRIVE
BLUE SPRINGS, MO 64014
member of
CAPITOL BANCORP LTD.
OPTIMA BANK&TRUST CO born: 200803 ('B' or better)
TWO HARBOUR PLACE
PORTSMOUTH, NH 3802
TRUST CO OF VIRGINIA born: 200803
9030 STONY POINT PARKWAY, #
RICHMOND, VA 23235
FIRST LANDMARK BANK born: 200803 ('B' or better)
307 NORTH MARIETTA PARKWAY
MARIETTA, GA 30060
WEDBUSH BANK born: 200803 ('B' or better)
1000 WILSHIRE BLVD, # 1150
LOS ANGELES, CA 90017
THIRD COAST BANK SSB born: 200803 ('B' or better)
20202 HWY 59 NORTH, # 190
HUMBLE, TX 77338
PROGRESS BANK&TRUST born: 200803 ('B' or better)
201 WILLIAMS AVENUE
HUNTSVILLE, AL 35801
MEADOWS BANK born: 200803 ('B' or better)
8912 SPANISH RIDGE AVE, # 10
LAS VEGAS, NV 89148
FRONTIER COMMUNITY BANK born: 200803 ('B' or better)
400 LOU DEWITT BOULEVARD
WAYNESBORO, VA 22980
FIRST NM BANK LAS CRUCES born: 200803 ('B' or better)
3000 EAST LOHMAN AVENUE
LAS CRUCES, NM 88011
member of
FIRST NEW MEXICO FINANCIAL CORPORATION
WESTERN CAPITAL BANK born: 200803 ('B' or better)
1750 FRONT STREET
BOISE, ID 83702
member of
GWY, LLC
MONUMENT BANK born: 200803 ('B' or better)
465 NORTH MAIN STREET
DOYLESTOWN, PA 18901
GUADALUPE NATIONAL BANK born: 200803 ('B' or better)
1309 BANDERA HWY
KERRVILLE, TX 78028
member of
RELATIONSHIP FINANCIAL CORPORATION
MOUNTAIN VIEW BK OF COM born: 200803 ('B' or better)
12365 HURON STREET
WESTMINSTER, CO 80234
member of
CAPITOL BANCORP LTD.
CHARTER BANK born: 200803 ('B' or better)
1721 MEDICAL PARK DRIVE, # 1
BILOXI, MS 39531
OAKWORTH CAPITAL BANK born: 200803 ('B' or better)
2100 SOUTHBRIDGE PARKWAY, #
BIRMINGHAM, AL 35209
QUINNIPIAC BANK&TRUST CO born: 200803 ('B' or better)
2704 DIXWELL AVENUE
HAMDEN, CT 6514
De Novos between 2 and 3 years old
When baby gets to three the FDIC says no more DeNovo treatment. It's time to ask 'where's the beef?' and see if net profit is going to be written in some ink color other than red. The banks in green reported positive net incomes.
SANTA ANA BUSINESS BANK born: 200712 ('B' or better)
355 S GRAND AVENUE SUITE 240
LOS ANGELES, CA 90071
BANK OF MONTANA born: 200712 ('B' or better)
125 BANK STREET, SUITE 100
MISSOULA, MT 59802
member of
BANCORP OF MONTANA HOLDING COMPANY
COMMUNITY VALLEY BANK born: 200712 ('B' or better)
1443 MAIN STREET
EL CENTRO, CA 92243
MILESTONE BANK born: 200712 ('B' or better)
1980 S EASTON RD, SUITE 110
DOYLESTOWN, PA 18901
GEORGIA PRIMARY BANK born: 200712 ('B' or better)
3880 ROSWELL ROAD, NE
ATLANTA, GA 30342
BANKASIANA born: 200712
7 BROAD AVENUE
PALISADES PARK, NJ 7650
VANTAGE POINT BANK born: 200712
100 GIBRALTAR ROAD
HORSHAM, PA 19044
PANTHER COMMUNITY BANK N A born: 200712 ('B' or better)
3560 KRAFT ROAD
NAPLES, FL 34105
1ST MANATEE BANK born: 200712 ('B' or better)
12215 US HIGHWAY 301 N
PARRISH, FL 34219
ACCESS 1ST CAPITAL BANK born: 200712 ('B' or better)
320 W EAGLE DRIVE, # 100
DENTON, TX 76201
REGAL BANK born: 200712 ('B' or better)
570 W. MOUNT PLEASANT AVE.
LIVINGSTON, NJ 7039
GOLDEN EAGLE COMMUNITY BANK born: 200712
975 COUNTRY CLUB ROAD
WOODSTOCK, IL 60098
AMERICAN PRIDE BANK born: 200712 ('B' or better)
4740 LOG CABIN DRIVE
MACON, GA 31204
TURTLE MOUNTAIN STATE BANK born: 200712 ('B' or better)
10 WEST MAIN STREET
BELCOURT, ND 58316
PARTNERS BANK OF CALIFORNIA born: 200712
27201 PUERTA REAL, # 160
MISSION VIEJO, CA 92691
STATE BANK OF GEORGIA born: 200712 ('B' or better)
131 GINGERCAKE ROAD
FAYETTEVILLE, GA 30214
LEVEL ONE BANK born: 200712 ('B' or better)
32991 HAMILTON COURT
FARMINGTON HILLS, MI 48334
member of
LEVEL ONE BANCORP, INC.
FLORIDA SHORES BANK SW born: 200712 ('B' or better)
500 U.S. HWY. 41 BYPASS N.
VENICE, FL 34285
member of
SMITH ASSOCIATES BANK FUND MANAGEMENT LLC
KEYWORTH BANK born: 200712 ('B' or better)
11655 MEDLOCK BRIDGE ROAD
JOHNS CREEK, GA 30097
ALLEGIANCE BANK TEXAS born: 200712 ('B' or better)
8727 W SAM HOUSTON PKWY N
HOUSTON, TX 77040
BANK OF FEATHER RIVER born: 200712 ('B' or better)
855 HARTER PARKWAY, # 100
YUBA CITY, CA 95991
member of
CAPITOL BANCORP LTD.
INTEGRITY BANK SSB born: 200712 ('B' or better)
4040 WASHINGTON AVENUE
HOUSTON, TX 77007
REVERE BANK born: 200712 ('B' or better)
319 MAIN STREET
LAUREL, MD 20707
member of
FIRST BANCAPITAL PARALLEL FUND I, L.P.
LIGHTHOUSE BANK born: 200712 ('B' or better)
111 MISSION STREET
SANTA CRUZ, CA 95060
FIRST FOUNDATION BANK born: 200712 ('B' or better)
18101 VON KARMAN AVE, # 750
IRVINE, CA 92612
CROSSPOINT BANK born: 200712 ('B' or better)
4707 WEST 135TH ST
LEAWOOD, KS 66224
SETTLERS BANK born: 200712 ('B' or better)
4021 MERIDIAN DRIVE
DE FOREST, WI 53532
member of
SB BANCORP, INC.
CALIFORNIA REPUBLIC BANK born: 200712 ('B' or better)
18400 VON KARMEN AVE, STE 11
IRVINE, CA 92612
CHECKSPRING BANK born: 200712 ('B' or better)
69 EAST 167TH STREET
BRONX, NY 10452
member of
CHECKSPRING COMMUNITY CORPORATION
BANK OF FORT BEND born: 200712
12946 DAIRY ASHFORD RD SUITE
SUGAR LAND, TX 77478
member of
CAPITOL BANCORP LTD.
JEFFERSON BANK OF FLORIDA born: 200712 ('B' or better)
3711 TAMPA ROAD
OLDSMAR, FL 34677
GATEWAY COMMERCIAL BANK born: 200712 ('B' or better)
6860 EAST WARNER ROAD
MESA, AZ 85212
FLORIDA TRADITIONS BANK born: 200712 ('B' or better)
14033 8TH STREET
DADE CITY, FL 33525
SOUTH ATLANTIC BANK born: 200712 ('B' or better)
630 29TH AVE NORTH
MYRTLE BEACH, SC 29577
member of
SOUTH ATLANTIC BANCSHARES, INC.
FIRST VA COMMUNITY BANK born: 200712 ('B' or better)
11325 RANDOM HILLS ROAD
FAIRFAX, VA 22030
SOUTHCITY BANK born: 200712 ('B' or better)
1360 MONTGOMERY HWY, # 100
VESTAVIA HILLS, AL 35216
FRANKLIN SYNERGY BANK born: 200712 ('B' or better)
722 COLUMBIA AVENUE
FRANKLIN, TN 37064
member of
FRANKLIN FINANCIAL NETWORK, INC.
BLACK HILLS CMTY BANK N A born: 200712 ('B' or better)
840 MOUNT RUSHMORE ROAD
RAPID CITY, SD 57701
COMMUNITY BANK OF LINCOLN born: 200712 ('B' or better)
6000 VILLAGE DRIVE, # 100
LINCOLN, NE 68516
member of
CAPITOL BANCORP LTD.
ACCESS BANK born: 200712 ('B' or better)
8712 WEST DODGE ROAD
OMAHA, NE 68114
member of
3MV BANCORP, INC.
FIRST NB OF SCOTTSDALE born: 200712 ('B' or better)
15190 NORTH HAYDEN ROAD
SCOTTSDALE, AZ 85260
member of
FIRST OLATHE BANCSHARES, INC.
FIRST MICHIGAN BANK born: 200709 ('B' or better)
2301 WEST BIG BEAVER ROAD
TROY, MI 48084
member of
FIRST MICHIGAN BANCORP, INC.
MARQUIS BANK born: 200709 ('B' or better)
355 ALHAMBRA CIRCLE, # 125
CORAL GABLES, FL 33134
MILLENNIUM BANK born: 200709 ('B' or better)
2077 MINER STREET
DES PLAINES, IL 60016
member of
MILLENNIUM BANCORP, INC.
METRO PHOENIX BANK born: 200709 ('B' or better)
4686 E VAN BUREN, SUITE 150
PHOENIX, AZ 85008
ALMA BANK born: 200709 ('B' or better)
28-31 31ST STREET
ASTORIA, NY 11102
WATERFORD BANK N A born: 200709 ('B' or better)
3900 N. MCCORD RD
TOLEDO, OH 43617
member of
WATERFORD BANCORP
CBANK born: 200709 ('B' or better)
8050 HOSBROOK RD, SUITE 220
CINCINNATI, OH 45236
COLUMBUS FIRST BANK born: 200709 ('B' or better)
6877 N. HIGH STREET
WORTHINGTON, OH 43085
SUNSHINE SAVINGS BANK born: 200709 ('B' or better)
1400 EAST PARK AVENUE
TALLAHASSEE, FL 32301
BROOKHAVEN BANK born: 200709
2987 CLAIRMONT RD, NE, # 150
ATLANTA, GA 30329
AMERICAN PLUS BANK N A born: 200709 ('B' or better)
630 WEST DUARTE ROAD
ARCADIA, CA 91007
OLD DOMINION NATIONAL BANK born: 200709
4916 PLANK ROAD, SUITE 216
NORTH GARDEN, VA 22959
SAVANNAH RIVER BANKING CO born: 200709 ('B' or better)
407 SILVER BLUFF ROAD
AIKEN, SC 29803
CAROLINA PREMIER BANK born: 200709 ('B' or better)
13024 BALLANTYNE CORP PL
CHARLOTTE, NC 28277
NORTHSTAR BANK born: 200709 ('B' or better)
400 NORTH ASHLEY DRIVE
TAMPA, FL 33602
member of
NORTHSTAR BANKING CORPORATION
VININGS BANK born: 200709 ('B' or better)
4135 ATLANTA ROAD
SMYRNA, GA 30080
SOLERA NATIONAL BANK born: 200709
319 S. SHERIDAN BOULEVARD
LAKEWOOD, CO 80226
member of
SOLERA NATIONAL BANCORP, INC.
THINK MUTUAL BANK born: 200709 ('B' or better)
5200 MEMBERS PARKWAY, NW
ROCHESTER, MN 55901
FIRSTCITY BANK OF COMMERCE born: 200709 ('B' or better)
11011 U.S. HIGHWAY #1
NORTH PALM BEACH, FL 33408
USNY BANK born: 200709 ('B' or better)
389 HAMILTON STREET
GENEVA, NY 14456
member of
CAPITOL BANCORP LTD.
BUSINESS BANK OF TEXAS N A born: 200709
1910 W BRAKER LANE, STE 100
AUSTIN, TX 78758
PROBANK born: 200709
536 NORTH MONROE STREET
TALLAHASSEE, FL 32301
member of
PRO FINANCIAL HOLDINGS, INC.
SHAMROCK BANK OF FLORIDA born: 200709
895 5TH AVENUE SOUTH
NAPLES, FL 34102
SOUTHERN STATES BANK born: 200709 ('B' or better)
615 QUINTARD AVENUE
ANNISTON, AL 36202
PROVIDENCE BANK OF TEXAS born: 200709 ('B' or better)
325 EAST SOUTHLAKE BLVD.
SOUTHLAKE, TX 76092
member of
PROVIDENCE BANCSHARES CORPORATION
OLDTOWN BANK born: 200709 ('B' or better)
2045 SOUTH MAIN STREET
WAYNESVILLE, NC 28786
BANK OF MANHATTAN N A born: 200709 ('B' or better)
2141 ROSECRANS AVE, # 1160
EL SEGUNDO, CA 90245
member of
MANHATTAN BANCORP
CALIFORNIA BANK OF COMMERCE born: 200709 ('B' or better)
3595 MT DIABLO BLVD, 2ND FL
LAFAYETTE, CA 94549
COMMERCE BK TEMECULA VALLEY born: 200709
25220 HANCOCK AVE, # NO 140
MURRIETA, CA 92562
HIGH DESERT BANK born: 200709
1000 SW DISK DRIVE BLDG 6
BEND, OR 97702
member of
CAPITOL BANCORP LTD.
CHAIN BRIDGE BANK NA born: 200709 ('B' or better)
1445-A LAUGHLIN AVENUE
MCLEAN, VA 22101
member of
CHAIN BRIDGE BANCORP, INC.
RELIANCE BANK born: 200709
2300 30TH STREET NORTHWEST
FARIBAULT, MN 55021
member of
RELIANCE BANCORPORATION, INC.
MRV BANKS born: 200709 ('B' or better)
871 STE. GENEVIEVE DRIVE
SAINTE GENEVIEVE, MO 63670
member of
MRV FINANCIAL CORP
CENTERPOINTE COMMUNITY BANK born: 200709 ('B' or better)
2500 CASCADE AVENUE
HOOD RIVER, OR 97031
BANK OF GEORGE born: 200709
9115 WEST RUSSELL ROAD
LAS VEGAS, NV 89148
FIRST CAHAWBA BANK born: 200709 ('B' or better)
2610 CITIZENS PARKWAY
SELMA, AL 36701
GULFSHORE BANK born: 200709 ('B' or better)
3201 SOUTH MACDILL AVENUE
TAMPA, FL 33629
COMMUNITY NB OF THE SOUTH born: 200706 ('B' or better)
3701 W. LAKE MARY BOULEVARD
LAKE MARY, FL 32746
member of
CNBS FINANCIAL GROUP, INC.
PREFERRED COMMUNITY BANK born: 200706 ('B' or better)
4379 COLONIAL BLVD, # 100
FORT MYERS, FL 33966
REPUBLICBANKAZ N A born: 200706 ('B' or better)
909 EAST MISSOURI AVENUE
PHOENIX, AZ 85014
NATIONAL BANK OF SW FL born: 200706
2120 KINGS HIGHWAY
PORT CHARLOTTE, FL 33980
GOLDWATER BANK N A born: 200706
7135 E CAMELBACK RD, # I-201
SCOTTSDALE, AZ 85251
PACIFIC ENTERPRISE BANK born: 200706 ('B' or better)
17748 SKY PARK CIRCLE
IRVINE, CA 92614
member of
PACIFIC ENTERPRISE BANCORP
VISION BANK TEXAS born: 200706 ('B' or better)
401 W GEORGE BUSH FWY, # 101
RICHARDSON, TX 75080
BANK 1440 born: 200706 ('B' or better)
7010 E CHAUNCEY LANE, # 120
PHOENIX, AZ 85054
CAPITAL BANK OF NEW JERSEY born: 200706 ('B' or better)
175 SOUTH MAIN ROAD
VINELAND, NJ 8360
HOMETOWN BANK OF PA born: 200706 ('B' or better)
638 EAST PITT STREET
BEDFORD, PA 15522
FIRST BANK born: 200706 ('B' or better)
2465 KUSER ROAD
HAMILTON, NJ 8690
AUSTIN COUNTY STATE BANK born: 200706 ('B' or better)
436 SOUTH FRONT STREET
BELLVILLE, TX 77418
1ST CAPITAL BANK born: 200706 ('B' or better)
5 HARRIS COURT, BLDG N, # NO
MONTEREY, CA 93940
ONECALIFORNIA BANK FSB born: 200706
1438 WEBSTER ST., SUITE 100
OAKLAND, CA 94612
ATLANTIC CAPITAL BANK born: 200706 ('B' or better)
3280 PEACHTREE RD, # 1600
ATLANTA, GA 30305
member of
BANKCAP PARTNERS FUND I, L.P.
FIRST PRIVATE BANK OF TEXAS born: 200706 ('B' or better)
8201 PRESTON RD - SUITE 200
DALLAS, TX 75225
FOLSOM LAKE BANK born: 200706 ('B' or better)
905 SUTTER ST., SUITE 100
FOLSOM, CA 95630
GATEWAY BANK OF CENTRAL FL born: 200706 ('B' or better)
1632 E SILVER SPRINGS BLVD
OCALA, FL 34470
member of
GATEWAY FINANCIAL HOLDINGS OF FLORIDA, INC.
FRONTIER BANK OF TEXAS born: 200706 ('B' or better)
1213 HIGHWAY 290
ELGIN, TX 78621
CALUSA NATIONAL BANK born: 200706 ('B' or better)
3105 TAMIAMI TRAIL
PUNTA GORDA, FL 33950
member of
CALUSA FINANCIAL CORPORATION, INC.
BANK OF PRINCETON born: 200706 ('B' or better)
183 BAYARD LANE
PRINCETON, NJ 8540
AMERICAN EAGLE BK OF CHICAGO born: 200706 ('B' or better)
2255 N. WESTERN AVENUE
CHICAGO, IL 60661
member of
ORCHID FINANCIAL BANCORP, INC.
COMMUNITY BANK born: 200706 ('B' or better)
507 U S HWY 380
BRIDGEPORT, TX 76426
SUMMIT COMMUNITY BANK born: 200706
1275 EAST COUNTY ROAD D
MAPLEWOOD, MN 55109
GOLD COAST BANK born: 200706 ('B' or better)
1201 N CLARK ST, SUITE 204
CHICAGO, IL 60610
member of
GC BANCORP, INC.
SELECT BANK born: 200706 ('B' or better)
211 GRISTMILL DRIVE
FOREST, VA 24551
FLUSHING COMMERCIAL BANK born: 200706 ('B' or better)
144-51 NORTHERN BOULEVARD
FLUSHING, NY 11354
COMMUNITY 1ST BANK born: 200706 ('B' or better)
707 NORTH POST STREET
POST FALLS, ID 83854
PIONEER BANK SSB born: 200706 ('B' or better)
100 CREEK ROAD
DRIPPING SPRINGS, TX 78620
BLACKRIDGEBANK born: 200706 ('B' or better)
4040 42ND STREET SOUTH
FARGO, ND 58104
member of
BLACKRIDGE FINANCIAL, INC.
BANK OF SAN ANTONIO born: 200706 ('B' or better)
8000 I. H. 10 W, SUITE 1100
SAN ANTONIO, TX 78230
member of
SOUTHWEST BANCSHARES, INC.
FOOTHILLS BANK&TRUST born: 200706 ('B' or better)
214 KELLER LANE
MARYVILLE, TN 37801
FIRST AMERICAN BANK N A born: 200706 ('B' or better)
2424 MONETARY BLVD.
HUDSON, WI 54016
member of
FIRST AMERICAN INVESTMENT, INC.
PLATINUM BANK born: 200706 ('B' or better)
6502 SLIDE ROAD, SUITE 110
LUBBOCK, TX 79424
SUNBANK NATIONAL ASSN born: 200706
1607 WEST BETHANY HOME ROAD
PHOENIX, AZ 85015
member of
DICKINSON FINANCIAL CORPORATION II
SECURITY FIRST BANK born: 200703 ('B' or better)
663 W NEES AVENUE
FRESNO, CA 93711
GLOBAL BANK born: 200703 ('B' or better)
30 EAST BROADWAY
NEW YORK, NY 10002
LOTUS BANK born: 200703 ('B' or better)
44350 WEST 12 MILE ROAD
NOVI, MI 48377
member of
LOTUS BANCORP, INC.
CENTRAL BANK born: 200703
20701 BRUCE B. DOWNS BLVD
TAMPA, FL 33647
member of
CENTRAL FINANCIAL HOLDINGS, INC.
ICON BANK OF TEXAS NA born: 200703 ('B' or better)
7908 N SAM HOUSTON PKWY W
HOUSTON, TX 77064
KEYSTONE BANK born: 200703 ('B' or better)
2394 EAST UNIVERSITY DRIVE
AUBURN, AL 36830
COLONIAL AMERICAN BANK born: 200703
1405 ROUTE 35 NORTH
MIDDLETOWN, NJ 7748
EMBASSY NATIONAL BANK born: 200703 ('B' or better)
1817 NORTH BROWN ROAD
LAWRENCEVILLE, GA 30043
member of
EMBASSY BANCSHARES, INC.
WESTBOUND BANK born: 200703 ('B' or better)
655 W. GRAND PARKWAY S.
KATY, TX 77494
MADISON NATIONAL BANK born: 200703
2222 MERRICK ROAD
MERRICK, NY 11566
FIRST CITIZENS BANK OF GA born: 200703
70 CARLISLE ROAD
DAWSONVILLE, GA 30534
member of
FIRST CITIZENS FINANCIAL CORPORATION
USAMERIBANK born: 200703 ('B' or better)
1125 EAST BAY DRIVE
LARGO, FL 33770
member of
USAMERIBANCORP, INC.
CAROLINA ALLIANCE BANK born: 200703 ('B' or better)
200 SOUTH CHURCH STREET
SPARTANBURG, SC 29306
COMMERCE BANK OF FOLSOM born: 200703 ('B' or better)
1710 PRAIRIE CITY ROAD
FOLSOM, CA 95630
FIRST SECURITY BANK OF NV born: 200703 ('B' or better)
10501 W GOWAN RD, # NO 260
LAS VEGAS, NV 89129
TREASURE STATE BANK born: 200703 ('B' or better)
3660 MULLAN ROAD
MISSOULA, MT 59808
TRISTATE CAPITAL BANK born: 200703 ('B' or better)
1 OXFORD CENTER, 27TH FLOOR
PITTSBURGH, PA 15219
member of
TRISTATE CAPITAL HOLDINGS, INC
SMARTBANK born: 200703 ('B' or better)
2430 TEASTER LANE, # 205
PIGEON FORGE, TN 37863
MILLENNIUM BANK born: 200703 ('B' or better)
121 N. WASHINGTON ST.
JUNCTION CITY, KS 66441
TRISUMMIT BANK born: 200703 ('B' or better)
422 BROAD STREET
KINGSPORT, TN 37660
FIRST CHOICE BANK born: 200703 ('B' or better)
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 8648
FOCUS BUSINESS BANK born: 200703 ('B' or better)
10 ALMADEN BLVD, # 150
SAN JOSE, CA 95113
BANK OF CENTRAL FLORIDA born: 200703 ('B' or better)
5015 S FLORIDA AVE, # 200
LAKELAND, FL 33813
PEGASUS BANK born: 200703 ('B' or better)
4515 W. MOCKINGBIRD LANE
DALLAS, TX 75209
FINEMARK NATIONAL BANK&TRUST born: 200703 ('B' or better)
12681 CREEKSIDE LANE
FORT MYERS, FL 33919
member of
FINEMARK HOLDINGS, INC.
MIDCOAST COMMUNITY BANK born: 200703
4900 KIRKWOOD HIGHWAY
WILMINGTON, DE 19808
CAPITALMARK BANK&TRUST born: 200703 ('B' or better)
801 BROAD STREET
CHATTANOOGA, TN 37402
FIRST FARMBANK born: 200703 ('B' or better)
2939 65TH AVENUE
GREELEY, CO 80634
member of
INVESTMENT OPTS, LLC
PLATINUM BANK born: 200703 ('B' or better)
7667 10TH STREET NORTH
OAKDALE, MN 55128
member of
PLATINUM BANCORP, INC.
PEOPLEFIRST BANK born: 200703
3100 THEODORE STREET
JOLIET, IL 60435
Copyright 2010, Institutional Risk Analytics, a unit of Lord, Whalen LLC, All Rights Reserved
371 Van Ness Way, Suite 110 Torrance, California 90501 310.676.3300 www.IRABankRatings.com


This "Move Your Money" project webpages are a social responsibility contribution of IRABankRatings.com, A UNIT OF LORD, WHALEN LLC (“LW”). This material does not constitute a solicitation for the purchase or sale of any securities or investments. The opinions expressed herein are based on publicly available information and are considered reliable. However, LW makes NO WARRANTIES OR REPRESENTATIONS OF ANY SORT with respect to this report. Any person using this material does so solely at their own risk and LW and/or its employees shall be under no liability whatsoever in any respect thereof.

IRA has donated the list of banks and the screening tool used to search by zip code to the www.moveyourmoney.info web site project. Users can search the list via zip code free of charge. IRA has a long standing policy of encouraging putting "good money in good banks" that is discussed on our web site at some length, so this is really more of the same for us. Responding to specific media inquiries, we do not pay commissions on any sales that may occur as a result of persons seeking information separately from us. We highly encourage consumers to avail themselves of information on the banking and finance system beyond just us.

Search notes:
1. This list presents small banks with IRA Bank Stress Index scores with a grade of B or better.
2. We try to localize the zip search as close to you as possible. This initially resulted in some empty lists. For areas with sparse populations of qualifying banks we have added an automatic broader area search.

Bankers please read the Banker Notes then contactIRA directly regarding information about your institution.

Government agencies and professional finance organizations please read the Government and Professional Notes then contactIRA directly regarding information about your institution.