RANKING · Q2 2026

Lowest cost of deposits

3695 of 4313 banks that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: FDIC quarterly financial data.

Lowest cost of deposits, Q2 2026
Rank	Institution	Headquarters	Cost of all deposits, annualized for the quarter	Total assets
1	Rushford State Bank (Incorporated)	Rushford, MN	-1.49%	$115 million
2	Heritage Bank	Cedar Rapids, IA	-0.72%	$450 million
3	Smbc Manubank	Los Angeles, CA	-0.72%	$6.6 billion
4	M C Bank & Trust Company	Morgan City, LA	-0.41%	$710 million
5	Bank Star	Pacific, MO	-0.33%	$208 million
6	First Century Bank N.A.	Commerce, GA	-0.03%	$832 million
7	Nationwide Trust Company FSB	Columbus, OH	0.00%	$154 million
7	Capital Bank and Trust Company	Irvine, CA	0.00%	$266 million
7	The Bank of New York Mellon Trust Company, National Association	Los Angeles, CA	0.00%	$1.4 billion
7	BNY Mellon Trust of Delaware	Wilmington, DE	0.00%	$255 million
7	Cenlar FSB	Ewing, NJ	0.00%	$782 million
12	Pathward N.A.	Sioux Falls, SD	0.01%	$7.3 billion
13	Bankpacific, Ltd.	Hagatna, GU	0.01%	$192 million
14	First Federal Savings Bank of Champaign-Urbana	Champaign, IL	0.02%	$193 million
15	Fulton Savings Bank	Fulton, NY	0.03%	$492 million
16	Bank of the Southwest	Roswell, NM	0.04%	$176 million
17	Commercial Bank & Trust of Pa	Latrobe, PA	0.05%	$357 million
18	Stifel Trust Company N.A.	Saint Louis, MO	0.05%	$911 million
19	First National Bankers Bank	Baton Rouge, LA	0.06%	$983 million
20	First National Bank & Trust Company of Newtown	Newtown, PA	0.07%	$1.2 billion
21	First State Bank	Russellville, AR	0.08%	$665 million
22	Charles Schwab Premier Bank SSB	Westlake, TX	0.08%	$26.6 billion
23	The Bancorp Bank National Association	Sioux Falls, SD	0.12%	$9.2 billion
24	Chain Bridge Bank N.A.	Mclean, VA	0.14%	$2.2 billion
25	The Bank of Southside Virginia	Carson, VA	0.14%	$670 million
26	USAA Federal Savings Bank	Phoenix, AZ	0.15%	$106 billion
27	Stifel Trust Company Delaware N.A.	Greenville, DE	0.15%	$330 million
28	Stride Bank N.A.	Enid, OK	0.16%	$5.4 billion
29	Bank of Millbrook	Millbrook, NY	0.16%	$312 million
30	The Citizens National Bank of Woodsfield	Woodsfield, OH	0.17%	$154 million
31	The Geo. D. Warthen Bank	Sandersville, GA	0.17%	$190 million
32	Green Dot Bank	Provo, UT	0.18%	$5.4 billion
33	Ameriprise Bank FSB	Minneapolis, MN	0.21%	$25.5 billion
34	The First National Bank of Hughes Springs	Hughes Springs, TX	0.23%	$320 million
35	The Big Bend Banks, N.A. Dba Marfa National Bank	Marfa, TX	0.23%	$165 million
36	Jeff Bank	Jeffersonville, NY	0.24%	$686 million
37	Westamerica Bank	San Rafael, CA	0.26%	$5.8 billion
38	Charles Schwab Trust Bank	Westlake, TX	0.26%	$10.5 billion
39	The Pennsville National Bank	Pennsville, NJ	0.26%	$282 million
40	The First National Bank of Dryden	Dryden, NY	0.28%	$204 million
41	Sutton Bank	Attica, OH	0.29%	$1.7 billion
42	Fsnb N.A.	Lawton, OK	0.29%	$478 million
43	Farmers and Merchants Bank of South Carolina	Holly Hill, SC	0.29%	$414 million
44	First Electronic Bank	Salt Lake City, UT	0.30%	$503 million
45	First Command Bank	Fort Worth, TX	0.30%	$1.1 billion
46	Charles Schwab Bank SSB	Westlake, TX	0.31%	$251 billion
47	Apollo Trust Company	Apollo, PA	0.31%	$209 million
48	Wilmington Trust N.A.	Wilmington, DE	0.32%	$772 million
49	St. Johns Bank & Trust Company	Saint Louis, MO	0.35%	$297 million
50	Bank of Hazlehurst	Hazlehurst, GA	0.36%	$134 million
51	Pointwest Bank	West, TX	0.37%	$137 million
52	First State Bank	Socorro, NM	0.39%	$188 million
53	The Putnam County National Bank of Carmel	Carmel, NY	0.41%	$183 million
54	Minnesota Lakes Bank	Delano, MN	0.43%	$130 million
55	Western Commerce Bank	Carlsbad, NM	0.45%	$864 million
56	Citizens National Bank of Cheboygan	Cheboygan, MI	0.45%	$471 million
57	Watertown Savings Bank	Watertown, NY	0.45%	$971 million
58	Eastern Michigan Bank	Croswell, MI	0.46%	$554 million
59	The First National Bank of Livingston	Livingston, TX	0.46%	$467 million
60	Chelsea Groton Bank	Groton, CT	0.47%	$1.8 billion
61	Commercial State Bank	Palmer, TX	0.49%	$127 million
62	Grand Rapids State Bank	Grand Rapids, MN	0.49%	$261 million
63	Western Bank	Lordsburg, NM	0.50%	$326 million
64	St. Landry Bank and Trust Company	Opelousas, LA	0.50%	$295 million
65	Evergreen National Bank	Evergreen, CO	0.50%	$140 million
66	Citizens National Bank	Crockett, TX	0.50%	$109 million
67	Eagle Bank	Polson, MT	0.51%	$180 million
68	United Bank	Zebulon, GA	0.51%	$2.2 billion
69	The Farmers State Bank and Trust Company	Jacksonville, IL	0.52%	$210 million
70	Rbc Bank (Georgia) N.A.	Atlanta, GA	0.52%	$9.6 billion
71	Century Savings Bank	Vineland, NJ	0.52%	$635 million
72	Arthur State Bank	Union, SC	0.52%	$832 million
73	Applied Bank	Wilmington, DE	0.53%	$274 million
74	First National Bank of Griffin	Griffin, GA	0.53%	$368 million
75	Wsb Municipal Bank	Watertown, NY	0.53%	$152 million
76	Union Bank and Trust Company	Minneapolis, MN	0.53%	$253 million
77	San Luis Valley Federal Bank	Alamosa, CO	0.55%	$390 million
78	Nevada Bank and Trust Company	Caliente, NV	0.56%	$217 million
79	Farmers State Bank	West Salem, OH	0.56%	$188 million
80	Citizens Bank	Corvallis, OR	0.57%	$823 million
81	Lake Region Bank	New London, MN	0.57%	$153 million
82	Bank of Maysville	Maysville, KY	0.57%	$164 million
83	Farmers & Merchants Bank & Trust	Burlington, IA	0.57%	$208 million
84	Charlevoix State Bank	Charlevoix, MI	0.58%	$248 million
85	American Interstate Bank	Elkhorn, NE	0.58%	$132 million
86	Blue Ridge Bank	Walhalla, SC	0.58%	$199 million
87	Whitaker Bank Inc.	Lexington, KY	0.59%	$1.9 billion
88	Austin Capital Bank SSB	Austin, TX	0.60%	$395 million
89	Bank of the Federated States of Micronesia	Kolonia, FM	0.60%	$278 million
90	Bank of York	York, SC	0.60%	$318 million
91	The Citizens Bank	Morehead, KY	0.60%	$229 million
92	Fnnb Bank	Newton, IA	0.60%	$109 million
93	The Warrington Bank	Pensacola, FL	0.61%	$174 million
94	Westbury Bank	Waukesha, WI	0.61%	$772 million
95	Community Bank and Trust	Neosho, MO	0.61%	$445 million
96	Sunrise Banks N.A.	Sioux Falls, SD	0.62%	$2.8 billion
97	The First National Bank of Mertzon	Mertzon, TX	0.63%	$500 million
98	Western Bank, Artesia, New Mexico	Artesia, NM	0.63%	$350 million
99	First Community Bank	Bluefield, VA	0.63%	$3.6 billion
100	Farmers State Bank	Groesbeck, TX	0.64%	$196 million

Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings