Short version: the banks headquartered across the fifty states and the District of Columbia held $26.36 trillion in total assets as of June 30, 2026. Texas has the most charters at 349, followed by Illinois at 325 and Iowa at 226. Washington, D.C. has the fewest, at 4.
Every state, Q2 2026
Medians are across every bank headquartered in the state, at every asset size, with non-insured non-deposit trust companies left out. Total assets are counted at the charter's head office, so a state that hosts a large national charter carries that charter's entire balance sheet - which is why the asset column and the bank-count column tell very different stories about the same place.
| State | Banks | Total assets | Median ROA | Median NIM | Median cost of funds | Median efficiency |
|---|---|---|---|---|---|---|
| Alabama | 93 | $230.0B | 1.12% | 3.82% | 2.32% | 64.96 |
| Alaska | 5 | $10.6B | n/a | n/a | n/a | n/a |
| Arizona | 12 | $208.3B | 0.58% | 3.78% | 2.85% | 78.86 |
| Arkansas | 78 | $184.5B | 1.23% | 4.06% | 2.63% | 57.99 |
| California | 116 | $560.2B | 1.09% | 3.75% | 2.81% | 59.81 |
| Colorado | 63 | $56.6B | 1.08% | 4.00% | 2.43% | 67.83 |
| Connecticut | 28 | $129.6B | 0.82% | 3.36% | 2.23% | 74.18 |
| Delaware | 16 | $1.17T | 2.09% | 3.69% | 2.03% | 52.86 |
| Florida | 82 | $346.5B | 1.03% | 3.71% | 2.86% | 63.00 |
| Georgia | 124 | $104.6B | 1.56% | 4.49% | 2.33% | 59.37 |
| Hawaii | 6 | $65.6B | n/a | n/a | n/a | n/a |
| Idaho | 10 | $12.0B | 1.31% | 4.18% | 2.04% | 53.93 |
| Illinois | 325 | $774.2B | 1.15% | 3.67% | 2.07% | 63.04 |
| Indiana | 88 | $222.6B | 1.08% | 3.63% | 2.31% | 64.30 |
| Iowa | 226 | $128.0B | 1.36% | 3.60% | 2.36% | 56.49 |
| Kansas | 184 | $95.0B | 1.42% | 3.92% | 2.16% | 59.04 |
| Kentucky | 120 | $84.9B | 1.27% | 3.95% | 2.44% | 60.90 |
| Louisiana | 104 | $82.7B | 1.25% | 4.24% | 2.37% | 64.77 |
| Maine | 22 | $49.0B | 0.93% | 3.48% | 2.43% | 69.28 |
| Maryland | 27 | $49.1B | 0.96% | 3.73% | 2.42% | 62.67 |
| Massachusetts | 91 | $637.2B | 0.62% | 2.98% | 2.49% | 74.74 |
| Michigan | 72 | $72.5B | 1.17% | 4.05% | 2.06% | 64.37 |
| Minnesota | 223 | $116.0B | 1.31% | 3.95% | 2.23% | 61.15 |
| Mississippi | 57 | $130.2B | 1.14% | 3.92% | 2.42% | 64.22 |
| Missouri | 195 | $302.8B | 1.40% | 4.06% | 2.42% | 58.81 |
| Montana | 35 | $78.1B | 1.41% | 4.12% | 2.25% | 56.36 |
| Nebraska | 139 | $110.6B | 1.33% | 3.76% | 2.49% | 59.14 |
| Nevada | 14 | $44.1B | 1.31% | 3.94% | 2.55% | 59.56 |
| New Hampshire | 16 | $16.7B | 0.53% | 3.30% | 2.27% | 77.41 |
| New Jersey | 50 | $219.0B | 0.68% | 3.20% | 2.70% | 71.91 |
| New Mexico | 29 | $16.4B | 1.95% | 4.27% | 1.63% | 52.59 |
| New York | 107 | $2.05T | 0.96% | 3.53% | 2.37% | 66.60 |
| North Carolina | 38 | $3.50T | 1.08% | 3.49% | 2.39% | 64.94 |
| North Dakota | 60 | $65.6B | 1.37% | 3.83% | 2.27% | 60.34 |
| Ohio | 157 | $5.72T | 1.02% | 3.66% | 2.13% | 68.00 |
| Oklahoma | 170 | $212.5B | 1.41% | 4.15% | 2.51% | 61.16 |
| Oregon | 13 | $73.7B | 1.12% | 3.90% | 1.72% | 66.15 |
| Pennsylvania | 110 | $342.5B | 0.99% | 3.42% | 2.36% | 64.09 |
| Rhode Island | 5 | $245.8B | n/a | n/a | n/a | n/a |
| South Carolina | 44 | $65.7B | 1.09% | 3.65% | 2.02% | 63.53 |
| South Dakota | 56 | $3.94T | 1.40% | 3.80% | 2.33% | 57.14 |
| Tennessee | 109 | $317.7B | 1.15% | 3.93% | 2.64% | 63.66 |
| Texas | 349 | $804.4B | 1.42% | 4.07% | 2.36% | 60.79 |
| Utah | 43 | $1.37T | 1.82% | 5.49% | 3.48% | 56.77 |
| Vermont | 12 | $8.9B | 0.83% | 3.41% | 2.01% | 73.83 |
| Virginia | 56 | $1.00T | 1.23% | 3.77% | 2.38% | 60.66 |
| Washington | 29 | $92.4B | 0.97% | 3.71% | 2.28% | 69.84 |
| Washington, D.C. | 4 | $3.5B | n/a | n/a | n/a | n/a |
| West Virginia | 40 | $51.7B | 1.09% | 3.92% | 2.16% | 64.80 |
| Wisconsin | 154 | $182.6B | 1.27% | 3.78% | 2.30% | 61.38 |
| Wyoming | 24 | $10.8B | 1.29% | 4.08% | 1.99% | 63.26 |
| All US banks | — | — | 1.23% | 3.83% | 2.34% | 61.81 |
Source: FFIEC call reports for the quarter ending June 30, 2026. The national row is computed across every filing bank and matches the figures the BankingLens benchmark articles publish for the same quarter. Alaska, Hawaii, Rhode Island and Washington, D.C. have fewer than 8 banks headquartered there, which is below the floor this site uses for a median, so their medians are withheld and every bank is listed on the page instead.
Why a state median is not a peer group
A state is a market: the banks in it compete for the same deposits, lend into the same economy and price against each other. That makes a state median the right answer to "what does normal look like around here", and the wrong answer to "is my bank good". A $250M community bank and a $40B regional headquartered in the same state are not running the same business, and the median between them describes neither.
The comparison that answers the second question is the FFIEC peer group - banks of similar size and charter, which is what an examiner uses. These pages give you the market. Bank Peer Intel gives you the comparison.