What Are Your Top 3 Interest Rate Risk Challenges?

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Interest Rate Risk Honor Roll

IRR Grader Badge 100Out of 6,963 banks graded nationwide as of June 30, 2010, only the following 174 banks rated "100", the highest possible score.  These banks had the least organic interest rate risk, as measured by our proprietary Interest Rate Risk Grader system.  A state-by-state list follows.

Bank City State
Bank Independent Sheffield AL
Peoples Southern Bank Clanton AL
RELIANCE BANK Athens AL
Southern States Bank Anniston AL
     
     
Bank of Bearden Bearden AR
First Financial Bank El Dorado AR
First National Bank Paragould AR
First Western Bank Booneville AR
The First National Bank of Izard County Calico Rock AR
     
     
American River Bank Sacramento CA
First Business Bank, National Association San Diego CA
Gateway Business Bank Cerritos CA
Golden Valley Bank Chico CA
Merchants Bank of California, National Association Carson CA
     
     
     
Bank of the San Juans Durango CO
First Southwest Bank Alamosa CO
Fort Morgan State Bank Fort Morgan CO
High Plains Bank Flagler CO
     
     
Connecticut River Community Bank Wethersfield CT
     
     
FNBT.COM BANK Fort Walton Beach FL
Gulfstream Business Bank Stuart FL
Palm Beach Community Bank Boynton Beach FL
Preferred Community Bank Fort Myers FL
     
     
Bank of Terrell Dawson GA
Community Business Bank Cumming GA
First Peoples Bank Pine Mountain GA
Highland Commercial Bank Marietta GA
Peoples Bank & Trust Buford GA
Queensborough National Bank & Trust Company Louisville GA
The Bank of La Fayette, Georgia La Fayette GA
Wheeler County State Bank Alamo GA
     
     
Bank Iowa Altoona IA
BankIowa of Cedar Rapids Cedar Rapids IA
First Community Bank Newell IA
First State Bank Nashua IA
Home State Bank Jefferson IA
Pinnacle Bank Marshalltown IA
Primebank Le Mars IA
Security Savings Bank Larchwood IA
Washington State Bank Washington IA
     
     
Community 1st Bank Post Falls ID
     
     
Burr Ridge Bank & Trust Burr Ridge IL
Community Bank of Trenton Trenton IL
Community Savings Bank Chicago IL
Flora Savings Bank Flora IL
H. F. Gehant Banking Co. West Brooklyn IL
Harvard Savings Bank Harvard IL
Nashville Savings Bank Nashville IL
Sainte Marie State Bank Ste. Marie IL
Table Grove State Bank Table Grove IL
The First National Bank of Allendale Allendale IL
The First National Bank of Brownstown Brownstown IL
The Iuka State Bank Iuka IL
The National Bank & Trust Company of Sycamore Sycamore IL
TrustBank Olney IL
     
     
Community State Bank Brook IN
Owen County State Bank Spencer IN
State Bank of Medora Medora IN
     
     
Bank of Denton Denton KS
Community First National Bank Manhattan KS
Equity Bank, A National Association Andover KS
Garden City State Bank Garden City KS
Kansas State Bank of Manhattan Manhattan KS
RelianzBank Wichita KS
State Bank of Downs Downs KS
The Bank of McLouth Mc Louth KS
The Farmers State Bank Wathena KS
The Lawrence Bank Lawrence KS
The Peoples State Bank Cherryvale KS
The Troy State Bank Troy KS
     
     
Citizens Bank & Trust Co. of Jackson Jackson KY
Hancock Bank & Trust Company Hawesville KY
Morgantown Bank & Trust Company, Incorporated Morgantown KY
River City Bank, Inc. Louisville KY
The Harrison Deposit Bank and Trust Company Cynthiana KY
The Peoples Bank Taylorsville KY
     
     
First NBC Bank New Orleans LA
Investar Bank Baton Rouge LA
MidSouth Bank, National Association Lafayette LA
The Evangeline Bank and Trust Company Ville Platte LA
     
     
Martha's Vineyard Savings Bank Edgartown MA
The First National Bank of Ipswich Ipswich MA
     
     
CommerceFirst Bank Annapolis MD
     
     
Franklin Savings Bank Farmington ME
Machias Savings Bank Machias ME
     
     
Byron Bank Byron Center MI
SSBBank Stockbridge MI
The Citizens State Bank of Ontonagon Ontonagon MI
     
     
Altura State Bank Altura MN
Avon State Bank Avon MN
Citizens State Bank of Kelliher Kelliher MN
Eitzen State Bank Caledonia MN
Exchange State Bank Luverne MN
Glenwood State Bank (Incorporated) Glenwood MN
Lowry State Bank Lowry MN
Minnwest Bank, M.V. Redwood Falls MN
The First National Bank of Osakis Osakis MN
The State Bank of Faribault Faribault MN
VisionBank Saint Louis Park MN
     
     
Community Bank of Memphis Memphis MO
Goppert Financial Bank Lathrop MO
Legacy Bank & Trust Company Rogersville MO
Legends Bank Linn MO
Midwest Regional Bank Festus MO
Palmyra State Bank Palmyra MO
Providence Bank Columbia MO
Royal Banks of Missouri University City MO
The Bank of Advance Advance MO
Tri-County Trust Company Glasgow MO
     
     
Pike National Bank Mccomb MS
     
Community Bank - Missoula Missoula MT
Ruby Valley National Bank Twin Bridges MT
United Bank, National Association Absarokee MT
     
     
Crescent State Bank Cary NC
Forest Commercial Bank Asheville NC
Union Bank & Trust Company Oxford NC
     
     
The Farmers & Merchants State Bank of Tolna Tolna ND
     
     
Ashton State Bank Ashton NE
CNB Community Bank Greeley NE
First State Bank Lincoln NE
Platte Valley Bank Scottsbluff NE
The Cattle National Bank and Trust Company Seward NE
The State Bank of Bartley Bartley NE
     
     
Piscataqua Savings Bank Portsmouth NH
     
     
The First National Bank of Santa Fe Santa Fe NM
     
     
The First National Bank of Dryden Dryden NY
     
     
Home National Bank Racine OH
The Baltic State Bank Baltic OH
The Farmers State Bank New Madison OH
     
     
American State Bank Tulsa OK
First Commercial Bank Edmond OK
First Fidelity Bank, National Association Oklahoma City OK
Freedom Bank of Oklahoma Tulsa OK
     
     
Allegheny Valley Bank of Pittsburgh Pittsburgh PA
Bucks County Bank Doylestown PA
Public Savings Bank Huntingdon Valle PA
The Gratz National Bank Gratz PA
     
     
Bank of Greeleyville Greeleyville SC
     
     
BankWest, Inc. Pierre SD
Citibank (South Dakota), N.A. Sioux Falls SD
Dakota Heritage State Bank Chancellor SD
First Bank & Trust Sioux Falls SD
Fulton State Bank Fulton SD
     
     
Citizens Bank Hartsville TN
Citizens Community Bank Winchester TN
Farmers Bank Parsons TN
Mountain Commerce Bank Erwin TN
Peoples Bank of the South La Follette TN
     
     
Collin Bank Frisco TX
Dilley State Bank Dilley TX
First National Bank Fabens TX
First National Bank Wichita Falls TX
First National Bank Groesbeck TX
Golden Bank, National Association Houston TX
Northstar Bank of Texas Denton TX
Opportunity Bank, National Association Richardson TX
R Bank Round Rock TX
Spring Hill State Bank Longview TX
State Bank of De Kalb De Kalb TX
Texas Brand Bank Garland TX
The First National Bank of Jacksboro Jacksboro TX
The First State Bank Huntsville TX
     
     
Pacific Crest Savings Bank Lynnwood WA
State Bank Northwest Spokane Valley WA
Thurston First Bank Olympia WA
     
     
American National Bank - Fox Cities Appleton WI
Bank of Luxemburg Luxemburg WI
Citizens First Bank Viroqua WI
First Bank Financial Centre Oconomowoc WI
Mid-Wisconsin Bank Medford WI
The First National Bank of Platteville Platteville WI
Union State Bank of West Salem West Salem WI
     
     
Mountain Valley Bank, N.A. Elkins WV
Traders Bank Ravenswood WV