FDIC Bank Watch List vs. My Bank Watch List

Crowd at New York's American Union Bank during a bank run early in the Great Depression. The Bank opened in 1917 and went out of business on June 30, 1931. Photo from http://www.ssa.gov/history/bank.html.

This Bank Watch List has been updated. There are now 1,343 E-Rated Banks. Click here for the latest list. [Updated 03/06/12]

Banks are dropping like flies. I received three email notices from the FDIC regarding bank closures yesterday. Among them was the Montgomery, Alabama-based Colonial BancGroup, with about $25 billion in assets. Its demise marks both the largest and the 77th bank to fail this year - and, in my opinion, as Karen Carpenter sang, "We've only just begun..."
According to its quarterly report released Wednesday, the Federal Deposit Insurance Corporation said there are 305 416 (reported Aug. 27) banks on its "watch list" - nearly triple the number from the same time last year.
Now, of course, the FDIC’s website does not disclose the names of the banks on this watch list for the reason that if you knew that your bank was in trouble, you might be tempted to pull your money out, right? Take heart. There is a way to determine if one of those troubled banks is yours.
BankRate.com is one of many (but perhaps the only free) services that provide ratings information on the relative financial strength and stability of U.S. commercial banks, savings institutions and credit unions. I've taken the liberty of selecting the lowest-rated institutions from their 3,047 listed banks to come up with my watch list. This list does not include credit unions. You'll need to search their site yourself for that information.
The following list will not necessarily be the same as the FDIC's watch list. It's just too difficult to exactly populate a list with all of the parameters that the FDIC uses to determine their problem banks. However, these are the poorest-rated banks according to BankRate.com based on capital adequacy, asset quality, profitability and liquidity. It should suffice.
Much like grades in school, a banks' soundness is rated A-E (with an "E" equaling an "F" grade, but still passing.) I'll leave it to you to determine whether you feel comfortable with your money parked in a D or E-rated bank or not.
First, a quick break down of how these U.S. banks are doing. Of the 3,047 our "class" scored:
A = 424 -or- 14%

B = 1,468 -or- 48%

C = 703 -or- 23%

D = 280 - or- 9%

E = 172 -or- 6%
The count for "my watch list" (comprised of "D" and "E" scores) totals 452, much higher than the FDIC's list of 305 416 (reported Aug. 27.)

If you see your bank on this list and do plan to withdraw your money, please double check my work with BankRate.com first. In addition to ratings, they also provide the bank's balance sheet that will give you more detailed information.
Banks/Thrifts Watch List as of March 31, 2009

1ST AMERICAN STATE BANK OF MINNESOTA

MN

56244

E

1ST COMMERCE BANK	NV	89031	D
1ST REGENTS BANK	MN	55304	E
ACB BANK	OK	73728	D
ACCESS BANK	MN	55316	E
ADVANCE BANK	MD	21215	D
ALLIANCE BANKING COMPANY	KY	40391	E
ALLIANT BANK	KS	67135	E
ALMA EXCHANGE BANK & TRUST	GA	31510	E
AMERICAN BANK & TRUST OF THE CUMBERLANDS	TN	38570	D
AMERICAN EAGLE BANK OF CHICAGO	IL	60647	D
AMERICAN FIRST BANK	FL	34711	E
AMERICAN INVESTORS BANK AND MORTGAGE	MN	55344	D
AMERICAN METRO BANK	IL	60640	D
AMERICAN NATIONAL BANK	OH	44129	E
AMERICAN STATE BANK	OK	74106	D
AMERICAN STATE BANK	SD	57051	D
APPALACHIAN COMMUNITY BANK, FSB	GA	30555	D
APPLE VALLEY BANK & TRUST COMPANY, THE	CT	6410	E
ARCOLA HOMESTEAD SAVINGS BANK	IL	61910	D
ARROWHEAD COMMUNITY BANK	AZ	85308	E
ASIAN BANK	PA	19107	E
ASIAN BANK OF ARIZONA	AZ	85008	D
ATLANTIC COMMUNITY BANK	SC	29910	D
AZTECAMERICA BANK	IL	60402	E
BANCROFT STATE BANK	WI	54921	D
BANK 1ST	NM	87110	E
BANK ARLINGTON, THE	TX	76016	D
BANK OF ALPENA, THE	MI	49707	E
BANK OF AUBURN HILLS	MI	48326	D
BANK OF BELTON	MO	64012	D
BANK OF BOZEMAN	MT	59718	D
BANK OF CANTON	PA	17724	D
BANK OF CHESTNUT	IL	62518	D
BANK OF CHICKAMAUGA	GA	30707	E
BANK OF EARLY	GA	39823	D
BANK OF ESCONDIDO	CA	92025	D
BANK OF GREENSBURG	LA	70441	E
BANK OF GREENWICH, THE	CT	6807	D
BANK OF INDIANA, NATIONAL ASSOCIATION	IN	47847	D
BANK OF JACKSON COUNTY	FL	32440	E
BANK OF LAS VEGAS	NV	89118	D
BANK OF LEETON	MO	64761	E
BANK OF LENOX	GA	31637	E
BANK OF MACKS CREEK, THE	MO	65786	E
BANK OF MICHIGAN	MI	48334	D
BANK OF MINDEN	MO	64769	D
BANK OF NEW MADRID	MO	63869	D
BANK OF NEWINGTON	GA	30446	D
BANK OF OKOLONA	MS	38860	E
BANK OF PALATINE	IL	60067	D
BANK OF SANTA BARBARA	CA	93101	D
BANK OF SOPERTON, THE	GA	30457	E
BANK OF SOUTH TEXAS	TX	78504	E
BANK OF TACOMA	WA	98402	D
BANK OF TEXAS, THE	TX	78016	D
BANK OF THAYER	MO	65791	D
BANK OF VENICE, THE	FL	34285	D
BANK OF WAUSAU	WI	54401	D
BANK OF WYOMING	WY	82443	E
BANK REALE	WA	99301	E
BANK STAR ONE	MO	65251	D
BANK, THE	TX	76086	E
BANKERS TRUST COMPANY, NATIONAL ASSOCIATION	AZ	85016	D
BANKHAVEN	KS	67543	D
BANKSTAR FINANCIAL	SD	57026	D
BANKVISTA	MN	56377	D
BAY BANK	AL	36608	E
BAY PORT STATE BANK	MI	48720	D
BAYSIDE SAVINGS BANK	FL	32456	E
BC NATIONAL BANKS	MO	64730	E
BEARTOOTH BANK	MT	59106	E
BLACK EARTH STATE BANK	WI	53515	E
BORDER TRUST COMPANY	ME	4330	D
BRAMBLE SAVINGS BANK	OH	45150	E
BRICKWELL COMMUNITY BANK	MN	55125	E
BRIGHTON BANK	TN	38011	E
BROOKHAVEN BANK	GA	30329	D
BUFFALO SAVINGS BANK	IA	52728	D
CALDWELL STATE BANK IN CALDWELL, KANSAS, THE	KS	67022	D
CAMELBACK COMMUNITY BANK	AZ	85016	E
CANTON STATE BANK	MO	63435	D
CANTON STATE BANK	MN	55922	E
CAROLINA FEDERAL SAVINGS BANK	SC	29407	E
CARSON RIVER COMMUNITY BANK	NV	89704	E
CASTLE BANK AND TRUST COMPANY	CT	6451	D
CATTLEMAN'S NATIONAL BANK	TX	78663	D
CBC BANK	MO	63334	D
CENTRAL ARIZONA BANK	AZ	85222	E
CENTURY BANK OF FLORIDA	FL	33612	D
CHAMPION BANK	CO	80134	E
CITIZENS BANK	GA	31728	D
CITIZENS BANK & TRUST COMPANY OF CHICAGO	IL	60646	E
CITIZENS BANK OF COCHRAN, THE	GA	31014	D
CITIZENS COMMUNITY BANK	NJ	7450	E
CITIZENS FIRST STATE BANK OF WALNUT	IL	61376	E
CITIZENS STATE BANK	WI	54727	D
CITIZENS STATE BANK	GA	31548	D
CITIZENS STATE BANK	IA	52172	E
CITIZENS STATE BANK OF KELLIHER	MN	56650	D
CITIZENS STATE BANK OF LANKIN	ND	58250	D
CITIZENS STATE BANK OF POMONA, THE	KS	66076	E
CITIZENS STATE BANK OF SHIPMAN	IL	62685	D
CITY STATE BANK	IA	52214	E
CLEAR CREEK NATIONAL BANK	CO	80444	D
COLONIAL AMERICAN BANK	PA	19044	D
COLUMBIA S & LA	WI	53205	D
COLUMBIA SAVINGS BANK, THE	OH	45220	E
COLUMBUS COMMUNITY BANK	GA	31909	D
COMMERCE BANK OF SOUTHWEST FLORIDA	FL	33919	E
COMMODORE BANK	OH	43783	D
COMMUNITY BANK - MISSOULA, INC.	MT	59807	D
COMMUNITY BANK & TRUST-ALABAMA	AL	36089	D
COMMUNITY BANK OF CAPE CORAL	FL	33991	E
COMMUNITY BANK OF EAST TENNESSEE, THE	TN	37716	E
COMMUNITY BANK OF LEMONT	IL	60439	E
COMMUNITY BANK OF NORTHERN WISCONSIN	WI	54868	D
COMMUNITY BANK OF ROCKMART	GA	30153	D
COMMUNITY BANK OF THE BAY	CA	94612	E
COMMUNITY BANK OF THE OZARKS	MO	65079	D
COMMUNITY BANK PLYMOUTH	MN	55447	E
COMMUNITY BANK, AUSTIN	MN	55912	E
COMMUNITY BANK, DESTIN	FL	32550	D
COMMUNITY BANK, NATIONAL ASSOCIATION	AL	39452	D
COMMUNITY BUSINESS BANK	WI	53583	D
COMMUNITY FEDERAL SAVINGS BANK	NY	11421	D
COMMUNITY FIRST BANK	WI	54473	D
COMMUNITY FIRST BANK - CHICAGO	IL	60645	E
COMMUNITY NATIONAL BANK	MN	55014	E
COMMUNITY NATIONAL BANK AT BARTOW	FL	33830	E
COMMUNITY NATIONAL BANK OF SARASOTA COUNTY	FL	34292	E
COMMUNITY PRIDE BANK	MN	55040	D
COMMUNITY STATE BANK	TX	78750	D
COMMUNITYS BANK, THE	CT	6610	D
CONCORDIA BANK	MO	64020	D
CONSOLIDATED BANK AND TRUST COMPANY	VA	23219	E
CONWAY BANK, NATIONAL ASSOCIATION	KS	67031	D
CORONADO FIRST BANK	CA	92118	D
CORTEZ COMMUNITY BANK	FL	34601	E
COVENANT BANK	IL	60624	E
CROYDON SAVINGS BANK	PA	19020	E
CURRIE STATE BANK	MN	56123	E
DAVISON STATE BANK	MI	48423	D
DE WITT STATE BANK	NE	68341	D
DENVER SAVINGS BANK	IA	50622	D
DESERT COMMUNITY BANK	NV	89121	E
DESOTO COUNTY BANK	MS	38637	D
DNB NATIONAL BANK	SD	57226	D
DRAKE BANK	MN	55107	D
DUPAGE NATIONAL BANK	IL	60185	E
DUPONT STATE BANK	IN	47231	D
DUTTON STATE BANK	MT	59433	D
EAGLE COMMUNITY BANK	MN	55369	E
EAGLE SAVINGS BANK	OH	45248	D
EAST COAST COMMUNITY BANK	FL	32174	D
EASTBANK	MN	55414	D
EASTSIDE COMMERCIAL BANK, NATIONAL ASSOCIATION	WA	98008	E
ECLIPSE BANK, INC.	KY	40207	E
EDGEBROOK BANK	IL	60646	E
ELGIN STATE BANK	IA	52141	D
ELIZABETH STATE BANK, THE	IL	61028	E
ELKHART COMMUNITY BANK	IN	46516	E
EMBASSY NATIONAL BANK	GA	30043	D
EMERALD BANK	OH	43017	E
EUROBANK	FL	33431	E
EVERGREEN NATIONAL BANK	CO	80439	D
EXCHANGE BANK, THE	OK	74070	E
EXCHANGE STATE BANK	IA	50002	D
EXCHANGE STATE BANK	IL	61046	D
FAMILY BANK AND TRUST COMPANY	IL	60465	E
FAMILY FEDERAL SAVINGS OF ILLINOIS	IL	60804	E
FARMERS BANK	NE	68527	E
FARMERS BANK OF GREEN CITY	MO	63545	D
FARMERS BANK, THE	GA	31029	D
FARMERS STATE BANK	IA	50277	D
FARMERS STATE BANK	SD	57626	E
FARMERS STATE BANK	GA	31815	E
FARMERS STATE BANK OF WEST CONCORD	MN	55985	D
FARMERS TRUST & SAVINGS BANK	IA	51530	D
FEDERATED BANK	IL	60955	D
FELTON BANK, THE	DE	19943	E
FIDELITY S & LA OF BUCKS CO	PA	19007	D
FIRST ADVANTAGE BANK	MN	55433	D
FIRST AMERICAN BANK, NATIONAL ASSOCIATION	WI	54016	D
FIRST AVENUE NATIONAL BANK	FL	34474	D
FIRST BANK	WI	54660	D
FIRST BANK AND TRUST COMPANY	NE	68959	D
FIRST BANK OF JACKSONVILLE	FL	32223	E
FIRST BANK OF KANSAS CITY	MO	64111	E
FIRST BANK OF THE LAKE	MO	65065	D
FIRST BANK OF THE PALM BEACHES	FL	33401	D
FIRST BANK OF WHITE	SD	57276	D
FIRST BANKCENTRE	OK	74012	E
FIRST CAPITAL BANK	FL	32446	D
FIRST CAPITAL BANK	SC	29512	D
FIRST CENTURY BANK, NATIONAL ASSOCIATION	GA	30501	D
FIRST CITIZENS BANK OF POLSON, NATIONAL ASSOCIATION	MT	59860	E
FIRST COMMUNITY BANK	IA	51652	D
FIRST COMMUNITY BANK OF THE OZARKS	MO	65616	D
FIRST COMMUNITY BANK, LEWIS COUNTY	KY	41179	D
FIRST EAST SIDE SAVINGS BANK	FL	33351	E
FIRST FARMERS & MERCHANTS STATE BANK OF GRAND MEADOW	MN	55936	D
FIRST FS & LA OF PEKIN	IL	61554	D
FIRST INDEPENDENT BANK	MO	65605	D
FIRST NATIONAL BANK	MN	56621	D
FIRST NATIONAL BANK & TRUST CO. IN LARNED	KS	67550	E
FIRST NATIONAL BANK AND TRUST	WI	54812	E
FIRST NATIONAL BANK IN PAWHUSKA	OK	74056	D
FIRST NATIONAL BANK IN WADENA, THE	MN	56482	D
FIRST NATIONAL BANK IN WELLINGTON, THE	KS	67152	D
FIRST NATIONAL BANK OF BUHL, THE	MN	55713	D
FIRST NATIONAL BANK OF FARRAGUT, THE	IA	51601	D
FIRST NATIONAL BANK OF GILMAN, THE	IL	60938	D
FIRST NATIONAL BANK OF LACON	IL	61540	D
FIRST NATIONAL BANK OF OKAWVILLE, THE	IL	62271	D
FIRST NATIONAL BANK OF THE LAKES	MN	55392	D
FIRST NATIONAL BANK OF THE MID-CITIES	TX	76021	D
FIRST NATIONAL BANK OF WAYNE	NE	68787	D
FIRST RESOURCE BANK	MN	55378	E
FIRST SECURITY BANK	MN	55920	D
FIRST SECURITY STATE BANK	IA	50707	D
FIRST STATE BANK	OK	74464	D
FIRST STATE BANK	VA	24541	E
FIRST STATE BANK	SD	57279	E
FIRST STATE BANK OF BLOOMINGTON	IL	61704	E
FIRST STATE BANK OF BURLINGAME, THE	KS	66413	E
FIRST STATE BANK OF CANDO	ND	58324	D
FIRST STATE BANK OF HEALY, THE	KS	67850	D
FIRST STATE BANK OF KIESTER	MN	56051	D
FIRST STATE BANK OF SWANVILLE	MN	56382	D
FIRST STATE BANK OF WINCHESTER, ILLINOIS, THE	IL	62694	E
FIRST TRUST & SAVINGS BANK	IA	52241	E
FIRST TUSKEGEE BANK	AL	36083	E
FIRST VIETNAMESE AMERICAN BANK	CA	92683	E
FIRST WESTERN BANK & TRUST	MN	55344	D
FLAGSHIP BANK WINSTED	MN	55395	D
FLINT RIVER NATIONAL BANK	GA	31730	D
FMB BANK	MO	63390	D
FORREST CITY BANK, N.A.	AR	72335	D
FOUR COUNTY BANK, THE	GA	31003	D
FREEDOM BANK	MT	59912	D
FREEDOM BANK OF AMERICA	FL	33701	D
FREEDOM NATIONAL BANK	RI	2828	D
FREEDOM SECURITY BANK	IA	52241	D
GARDEN CITY BANK	MO	64747	E
GATEWAY BANK OF ST. LOUIS	MO	63115	E
GATEWAY COMMUNITY BANK	IL	61073	D
GEORGIA HERITAGE BANK	GA	30132	E
GOLD CANYON BANK	AZ	85218	D
GOLD COUNTRY BANK, NATIONAL ASSOCIATION	CA	95901	E
GOLDEN COAST BANK	CA	90813	D
GOLDEN FIRST BANK	NY	11021	D
GORDON BANK, THE	GA	31031	E
GOSHEN COMMUNITY BANK	IN	46526	D
GRAND TIMBER BANK	MN	55760	E
GRANVILLE NATIONAL BANK, THE	IL	61326	E
GREAT EASTERN BANK OF FLORIDA	FL	33166	E
GREAT NORTHERN BANK	MN	55376	D
GUNNISON VALLEY BANK	UT	84634	E
HARBOURSIDE COMMUNITY BANK	SC	29928	E
HARWOOD STATE BANK	ND	58042	D
HEARTLAND COMMUNITY BANK	NE	68317	D
HERITAGE BANK	IA	52302	D
HERITAGE BANK	KS	66614	E
HERITAGE FIRST BANK	AL	36561	D
HERITAGE FIRST BANK	GA	30161	E
HIAWATHA NATIONAL BANK	WI	54014	D
HIGH DESERT BANK	OR	97702	D
HIGH DESERT STATE BANK	NM	87122	E
HIGH PLAINS BANK	CO	80815	D
HOLLADAY BANK AND TRUST	UT	84117	E
HOME FEDERAL BANK OF HOLLYWOOD	FL	33009	E
HOME FEDERAL SAVINGS BANK	MI	48202	E
HOME FS&LA OF NEBRASKA	NE	68850	D
HOME SAVINGS BANK	MO	65102	D
HOMEBANK OF ARKANSAS	AR	71663	D
HOMETOWN NATIONAL BANK	WA	98632	E
HORIZON BANK	MN	55063	E
HYPERION BANK	PA	19123	D
IDAHO FIRST BANK	ID	83638	E
IDEAL FEDERAL SAVINGS BANK	MD	21217	E
IMPERIAL SAVINGS AND LOAN ASSOCIATION	VA	24114	E
INDEPENDENCE STATE BANK	WI	54747	D
INDEPENDENT BANK OF TEXAS	TX	75038	D
INVESTORS NATIONAL BANK	MO	64601	D
JENNINGS STATE BANK	MN	55974	E
JOHN WARNER BANK, THE	IL	61727	E
KALAMAZOO COUNTY STATE BANK	MI	49087	D
KEY WEST BANK	FL	33040	E
KINDERHOOK STATE BANK	IL	62345	D
LADYSMITH FS & LA	WI	54848	D
LAKE CITY FEDERAL BANK	MN	55041	E
LAKE COUNTRY COMMUNITY BANK	MN	55052	E
LAKESIDE COMMUNITY BANK	MI	48313	E
LAKEVIEW BANK	MN	55044	D
LANDMARK COMMUNITY BANK	TN	38017	E
LENA STATE BANK	IL	61048	D
LIBERTAD BANK, SSB	TX	78741	D
LIBERTY BANK, INC.	UT	84102	D
LIBERTY FIRST BANK	GA	30655	D
LIBERTY SAVINGS BANK, FSB	IN	46394	D
LIGHTHOUSE BANK	CA	95060	D
LITTLE HORN STATE BANK	MT	59034	E
LONE SUMMIT BANK	MO	64086	D
LOWELL CO-OPERATIVE BANK	MA	1852	D
MAPLE BANK	MN	55316	D
MARQUETTE FARMERS STATE BANK OF MARQUETTE KANSAS	KS	67464	D
MARSHALL BANK, NATIONAL ASSOCIATION	MN	56728	E
MCCLAVE STATE BANK	CO	81057	D
MCVILLE STATE BANK	ND	58254	E
METROPACIFIC BANK	CA	92612	E
METROPOLITAN CAPITAL BANK	IL	60611	D
MILLBURY NATIONAL BANK	MA	1527	D
MILTON SAVINGS BANK	WI	53563	D
MISSION BANK	AZ	86401	D
MOREBANK	PA	19126	D
MOTHER LODE BANK	CA	95370	D
NATIONAL BANK OF HARVEY, THE	ND	58341	D
NATIONAL BANK OF SOUTHWEST FLORIDA	FL	33980	D
NATURE COAST BANK	FL	34429	D
NECEDAH BANK, THE	WI	54646	E
NEVADA BANK AND TRUST COMPANY	NV	89008	D
NEVADA NATIONAL BANK	NV	89146	D
NEW MARKET BANK	MN	55054	D
NEW REPUBLIC SAVINGS BANK	NC	27870	D
NORTH MILWAUKEE STATE BANK	WI	53216	D
NORTHERN STAR BANK	MN	56001	E
NORTHLAND NATIONAL BANK	MO	64118	E
OHANA PACIFIC BANK	HI	96814	D
OLD DOMINION NATIONAL BANK	VA	22959	D
OLMSTED NATIONAL BANK	MN	55901	D
OSB COMMUNITY BANK	MI	49230	D
PACIFIC WEST BANK	OR	97068	D
PARAGON BANK	MN	56097	D
PARIS NATIONAL BANK, THE	MO	65275	D
PARK STATE BANK	MN	55808	D
PARTNERS BANK	FL	34105	E
PATASKALA BANKING COMPANY, THE	OH	43062	D
PEABODY STATE BANK	KS	66866	D
PEOPLES BANK	TX	76034	D
PEOPLES BANK	KY	40033	D
PEOPLE'S BANK AND TRUST COMPANY OF CLINTON COUNTY	KY	42602	D
PEOPLES BANK OF ALTENBURG	MO	63732	D
PEOPLES COMMUNITY NATIONAL BANK	GA	30110	E
PEOPLES SAVINGS BANK	IA	50171	D
PEOPLES STATE BANK	GA	31044	E
PEOPLES STATE BANK OF MADISON LAKE	MN	56063	D
PINE ISLAND BANK	MN	55963	D
PLAZA BANK	WA	98101	D
PLAZA BANK	CA	92612	E
PLEASANT HILL BANK, THE	MO	64080	D
PLUS INTERNATIONAL BANK	FL	33131	E
POINT LOMA COMMUNITY BANK	CA	92106	D
PREFERRED BANK	IL	62420	E
PREMIER BANK	CO	80202	E
PRIME SECURITY BANK	MN	56732	E
PROVIDENCE BANK	FL	33880	D
PUTNAM 1ST MERCANTILE BANK	TN	38501	E
QUALITY BANK	ND	58031	D
RCSBANK	MO	63459	E
RELIANZBANK	KS	67205	D
RIPLEY FEDERAL SAVINGS BANK	OH	45167	E
RIVER COMMUNITY BANK, NATIONAL ASSOCIATION	VA	24112	E
RIVERLAND BANK	MN	55352	E
ROCK RIVER BANK OF OREGON	IL	61061	E
ROCKHOLD, BROWN & COMPANY BANK, THE	OH	45612	D
ROSEMOUNT NATIONAL BANK	MN	55068	E
SABAL PALM BANK	FL	34232	D
SAIGON NATIONAL BANK	CA	92683	D
SAINT STEPHEN STATE BANK	MN	56375	E
SALT LICK DEPOSIT BANK, THE	KY	40360	D
SANDHILLS BANK	SC	29582	E
SAVANNA-THOMSON STATE BANK	IL	61285	D
SECURITY BANK OF PULASKI COUNTY	MO	65583	E
SECURITY FIRST BANK	WY	82001	D
SECURITY STATE BANK OF LEWISTON	MN	55952	D
SENECA NATIONAL BANK	SC	29678	D
SIERRA VISTA BANK	CA	95630	D
SOUTH CAROLINA COMMUNITY BANK	SC	29201	D
SOUTHERN BANK	GA	30456	D
SOUTHERN BANK & TRUST	GA	30523	D
SOUTHERN BANK OF COMMERCE	AR	72450	E
SOUTHERN COLORADO NATIONAL BANK	CO	81008	E
SOUTHERN MISSOURI BANK OF MARSHFIELD	MO	65706	D
SOUTHSHORE COMMUNITY BANK	FL	33572	D
SSBBANK	MI	49285	D
ST. MARYS STATE BANK, THE	KS	66536	D
STANDING STONE NATIONAL BANK	OH	43130	D
STATE BANK & TRUST OF KENMARE	ND	58746	D
STATE BANK IN EDEN VALLEY	MN	55329	D
STATE BANK OF AURORA	MN	55705	E
STATE BANK OF BLUE RAPIDS	KS	66411	D
STATE BANK OF BURRTON	KS	67020	D
STATE BANK OF COKATO	MN	55321	E
STATE BANK OF HAMBURG	MN	55339	D
STATE BANK OF LEBO, THE	KS	66856	E
STATE BANK OF NAUVOO	IL	62354	D
STATE BANK OF ODELL	NE	68415	E
STATE BANK OF PAW PAW, ILLINOIS	IL	61353	D
STATE BANK OF PEARL CITY, THE	IL	61062	D
STATE EXCHANGE BANK, THE	KS	66956	D
SUMMIT BANK & TRUST	CO	80027	D
SUMMIT BANK OF KANSAS CITY	MO	64086	D
SUNBANK, N.A.	AZ	85016	D
SUNRISE BANK OF ALBUQUERQUE	NM	87102	E
SUNRISE BANK OF ATLANTA	GA	30308	E
SUNRISE BANK OF SAN DIEGO	CA	92121	D
SUNRISE COMMUNITY BANK	CA	92260	D
SUPERIOR BANK	MO	63042	D
SUPERIOR BANK	WI	54880	D
TABLE ROCK COMMUNITY BANK	MO	65686	D
TALBOT STATE BANK	GA	30214	D
TATTNALL BANK, THE	GA	30453	E
TAYLORSVILLE SAVINGS BANK, SSB	NC	28681	D
TEXAS BRAND BANK	TX	75042	D
TEXAS ENTERPRISE BANK	TX	77807	D
TEXAS NATIONAL BANK	TX	78570	E
THE NEW FOUNDATION L & BC	OH	45239	D
THUNDER BANK	KS	67481	D
TIOGA-FRANKLIN SAVINGS BANK	PA	19125	D
TOWANDA STATE BANK	KS	67144	D
TOWN & COUNTRY BANK OF MISSOURI	MO	63448	D
TOWN AND COUNTRY BANK	WI	53094	D
TOWN CENTER BANK	TX	75019	E
TOWN COMMUNITY BANK AND TRUST	IL	60002	E
TREASURE STATE BANK	MT	59808	D
TRI-COUNTY TRUST COMPANY	MO	65254	D
TRI-VALLEY BANK	CA	94583	E
TSB BANK	WI	53048	D
TWIN CITY BANK	WA	98632	D
UNION STATE BANK	KS	66779	D
UNITED BANK AND TRUST COMPANY	LA	70112	E
UNITED BANK OF PHILADELPHIA	PA	19102	D
UNITED MINNESOTA BANK	MN	56273	D
UNITED SOUTHWEST BANK	MN	56229	D
UNITED TRUST BANK	IL	60455	E
UNITY NATIONAL BANK OF HOUSTON	TX	77004	D
UPSTATE NATIONAL BANK, THE	NY	13658	E
UTAH COMMUNITY BANK	UT	84094	E
VALLEY CAPITAL BANK, NATIONAL ASSOCIATION	AZ	85204	E
VALLEY GREEN BANK	PA	19119	D
VANTAGESOUTH BANK	NC	27215	E
VILLAGE BANK	MO	65804	E
VISIONBANK	MN	55416	E
WASHINGTON BUSINESS BANK	WA	98506	E
WATERFORD VILLAGE BANK	NY	14221	E
WEST SIDE BANK AND TRUST	TX	76102	D
WESTERN DAKOTA BANK	SD	57656	D
WESTERN HERITAGE BANK	NM	88005	D
WINFIELD COMMUNITY BANK	IL	60190	D
WRAY STATE BANK	CO	80758	D
YUMA COMMUNITY BANK	AZ	85364	D

Disclaimer: My small community bank is not listed with BankRate.com. Last year, when I went to my bank to withdraw a large amount (over $10,000) to make a purchase with cash, the bank told me it would take a day for them to get the money. These days I only keep enough in there to pay the bills.
Read more of my articles related to the FDIC by clicking here.

Source: BankRate.com. Note BankRate's "A" = 5 stars and its "E" = 1 star. Another watch list compiled by Weiss Research, Inc. can be found here.
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