How scores work

The Hunter Score is a 0 to 100 rank. It compares a bank with other FDIC-insured banks of a similar size. A score of 50 is typical. A score of 100 means the bank is ahead of that group on the measures below. It is a screen, not a buy rating and not a forecast.

This version uses the latest five quarter-ends the FDIC has published. The newest quarter in this copy of the site is Q2 2026, ending June 30, 2026. 4,210 of 4,217 banks have a score.

The five measures

Each measure is the FDIC's published ratio. We do not recompute it from the raw call-report lines. The figures are sourced from FDIC BankFind as of our last data load, and the FDIC can revise them later.

• Return on equity (ROE). Profit for each dollar of the bank's capital. Higher is stronger. A common benchmark is above 10%. The FDIC reports this as ROE.
• Return on assets (ROA). Profit for each dollar of assets. Higher is stronger. A common benchmark is above 1%. The FDIC reports this as ROA.
• Net interest margin (NIM). The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap. A common benchmark is above 3%. The FDIC reports this as NIMY.
• Efficiency ratio. What the bank spends to produce a dollar of revenue. Lower is leaner. A common benchmark is below 60%. The FDIC reports this as EEFFR.
• Noncurrent loans. Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer. A common benchmark is below 1%. The FDIC reports this as NCLNLSR.

The benchmarks are a reading guide only. Clearing a benchmark does not add points. A bank can be above every benchmark and still sit in the middle of its peer group if its peers are also above those marks.

Peer groups

Banks are grouped by total assets for that quarter, using the FDIC asset figure:

• Under $100 million
• $100 million to under $300 million
• $300 million to under $1 billion
• $1 billion to under $3 billion
• $3 billion to under $10 billion
• $10 billion to under $50 billion
• $50 billion or more

A group with fewer than 25 banks is combined with the next larger group until it has at least 25 banks, or until it cannot be combined further. A bank with no reported assets is ranked against all banks, and the page says so.

How a component becomes a rank

For each measure, we look only at banks in the same peer group that reported it. The rank is the share of those other banks that this bank beats, with ties sharing the middle of the tie. Higher is better for return on equity, return on assets, and net interest margin. Lower is better for the efficiency ratio and noncurrent loans.

In plain terms: peer rank 80 means this bank is ahead of most similar banks on that one measure. Peer rank 50 means it is typical, including the case where many banks have the same ratio.

For anyone who wants the exact rule, with the bank included in a sorted list of n reported values:

peer rank = (number of peers with a strictly worse ratio + half the number of peers with the same ratio) ÷ (n − 1) × 100.

The Hunter Score is the average of the peer ranks that exist, rounded to the nearest whole number. At least three of the five ratios must be reported. Otherwise the score is shown as not available. Missing ratios are left blank. A reported zero is a real zero, not a missing value.

Why scores are more spread out

An earlier version of this site gave a bank credit for clearing each benchmark. A large share of banks cleared most of them, so many scores piled up near the top and the number stopped ranking anything. Version 2 ranks each ratio inside a size group instead. A 90 should be uncommon. The score on a bank page can differ from the old site even when the FDIC ratios did not change.

Change from last quarter

The change on a bank page is the latest Hunter Score minus the prior quarter's Hunter Score, in points. Up 4 points means the rank rose by 4, not by 4 percent. Each quarter is scored against that quarter's peers, so a change can come from the bank, from its peers, or from both.

Income on the FDIC file is year-to-date. We do not annualize it, and we do not rebuild the ratios. Return on assets, return on equity, and net interest margin are the FDIC's own year-to-date figures for that report date.

The price-to-tangible-book calculator is separate

The price-to-tangible-book calculator on a bank page is not part of the Hunter Score. It uses the Gordon growth model: (return on equity − growth) ÷ (required return − growth), with those inputs as decimals. You choose the growth rate and the return you want. The result is a multiple of tangible book, not a dollar price and not a recommendation.

If you type a stock price, it stays in your browser. We do not save it. We also do not fetch stock prices. For banks with a verified SEC ticker, we load shares outstanding and per-share tangible book from the holding company's SEC filings, and the calculator uses them. Other banks show bank-level figures only. Bank-level tangible equity is FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). It is not the holding company's tangible book, and it is not per share.

Stock symbols

A ticker is shown only when it has been checked. The automatic check matches the holding company name FDIC publishes (NAMEHCR), or the bank name when there is no holding company, to exactly one company in the SEC company tickers file. The SEC company must use a bank or bank-holding-company SIC code, and its business address state must match the holding company's state or the bank's state. Ambiguous names are left blank. A separate reviewed file can add a non-SEC ticker or hide a bad match. 194 banks currently have a symbol. The link to Yahoo Finance is only a link. We do not download, scrape, or embed Yahoo data.

Where the numbers come from

• FDIC BankFind institutions, for the name, city, state, holding company, and main-office location.
• FDIC BankFind financials, for assets, deposits, equity, and the five ratios.
• SEC company tickers and company submissions, for symbols that pass the checks above.
• The holding company RSSD on the FDIC record comes from the FFIEC National Information Center. A direct NIC bulk download is not always available to this loader.

The loader asks the FDIC for the newest report date and then takes the five quarter-ends ending there. It does not assume a fixed calendar date. Data was last loaded October 23, 2026.

What stands out, and warning flags

The sentences on a bank page restate the Hunter Score and the strongest and weakest of the five peer ranks. They use only the ratios and ranks already on the page.

Warning flags use other FDIC fields. Construction loans (LNRECONS) and a commercial real estate group (construction, multifamily, and other nonfarm nonresidential loans, LNRENROT) are compared with total risk-based capital (RBC). The 100% and 300% levels come from the 2006 interagency guidance. The 300% level in that guidance is also paired with 50% growth over 36 months, which we state when the earlier quarter was reported. Estimated uninsured deposits (DEPUNINS) are flagged at half of total deposits. Available-for-sale unrealized loss is fair value minus amortized cost (SCAF minus SCAA), flagged at 25% of equity. Noncurrent loans (NCLNLSR) are flagged at 3%. The half, 25%, and 3% levels are reading aids on this site, not FDIC limits. Held-to-maturity unrealized losses are omitted because a matching cost field is not published.

What this site does not do

• It does not give investment, legal, or tax advice.
• It does not recommend buying or selling any security.
• It does not show stock prices.
• It does not include an owners board or a borrowers board.

Read the disclaimer before you rely on any figure.