Currently there are 117 problem banks as identified by the FDIC (source: WSJ).  Yet, the FDIC does not identify who these banks are.  They will not release any information or watch list to the public regarding the safety and soundness of the banks that it regulates. The FDIC does not want to create an artificial "bank run" scenario on a member bank.  However there is a list of firms, provided at the FDIC website, that provide ratings of financial institutions.  You can access this information at their bank rating services (external link) page. It is important to realize that none of the lists provided by outside firms will necessarily be 100% correct.  It's just too difficult to exactly populate a list with the parameters that the FDIC uses to make their own list of problem banks.

We do know, however, that since 2000, there have been multiple bank failures causing "rescues" by the Federal Deposit Insurance Corporation, or arrangements made by the FDIC to have a more financially sound bank take over the assets of a failing bank. In 2008, a total of 25 member FDIC banks closed.  By the end of 2009, there have been 135 bank failures:

2009

  • First Federal Bank of California, F.S.B., Santa Monica, CA (approx. $6.1 billion in assets)
  • Imperial Capital Bank, La Jolla, CA (approx. $4.0 billion in assets)
  • Independent Bankers' Bank, Springfield, IL (approx. $585.5 million in assets)
  • New South Federal Savings Bank, Irondale, AL (approx. $1.5 billion in assets)
  • Citizens State Bank, New Baltimore, MI (approx. $168.6 million in assets)
  • Peoples First Community Bank, Panama City, FL (approx. $1.8 billion in assets)
  • RockBridge Commercial Bank, Atlanta, GA (approx. $294.0 million in assets)
  • SolutionsBank, Overland Park, KS (approx. $511.1 million in assets)
  • Valley Capital Bank, National Association, Mesa, AZ (approx. $40.3 million in assets)
  • Republic Federal Bank, National Association, Miami, FL (approx. $433.0 million in assets)
  • Greater Atlantic Bank, Reston, VA (approx. $203.0 million in assets)
  • Benchmark Bank, Aurora, IL (approx. $170.0 million in assets)
  • AmTrust Bank, Cleveland, OH (approx. $12.0 billion in assets)
  • The Tattnall Bank, Reidsville, GA (approx. $49.6 million in assets)
  • First Security National Bank, Norcross, GA (approx. $128.0 million in assets)
  • The Buckhead Community Bank, Atlanta, GA (approx. $874.0 million in assets)
  • Commerce Bank of Southwest Florida, Fort Myers, FL (approx. $79.7 million in assets)
  • Pacific Coast National Bank, San Clemente, CA (approx. $134.4 million in assets)
  • Orion Bank, Naples, FL (approx. $2.7 billion in assets)
  • Century Bank, a Federal Savings Bank, Sarasota, FL (approx. $728 million in assets)
  • United Commercial Bank, San Francisco, CA (approx. $11.2 billion in assets)
  • Gateway Bank of St. Louis, St. Louis, MO (approx. $27.7 million in assets)
  • Prosperan Bank, Oakdale, MN (approx. $199.5 million in assets)
  • Home Federal Savings Bank, Detroit, MI (approx. $14.9 million in assets)
  • United Security Bank, Sparta, GA (approx. $157 million in assets)
  • North Houston Bank, Houston, TX (approx. $326.2 million in assets)
  • Madisonville State Bank, Madisonville, TX (approx. $256.7 million in assets)
  • Citizens National Bank, Teague, TX (approx. $118.2 million in assets)
  • Park National Bank, Chicago, IL (approx. $4.7 billion in assets)
  • Pacific National Bank, San Francisco, CA (approx. $2.3 billion in assets)
  • California National Bank, Los Angeles, CA (approx. $7.8 billion in assets)
  • San Diego National Bank, San Diego, CA (approx. $3.6 billion in assets)
  • Community Bank of Lemont, Lemont, IL (approx. $81.8 million in assets)
  • Bank USA, National Association, Phoenix, AZ (approx. $212.8 million in assets)
  • First DuPage Bank, Westmont, IL (approx. $279 million in assets)
  • Riverview Community Bank, Otsego, MN (approx. $108 million in assets)
  • Bank of Elmwood, Racine, WI (approx. $327.4 million in assets)
  • Flagship National Bank, Bradenton, FL (approx. $190 million in assets)
  • Hillcrest Bank Florida, Naples, FL (approx. $83 million in assets)
  • American United Bank, Lawrenceville, GA (approx. $111 million in assets)
  • Partners Bank, Naples, FL (approx. $65.5 million in assets)
  • San Joaquin Bank, Bakersfield, CA (approx. $775 million in assets)
  • Southern Colorado National Bank, Pueblo, CO (approx. $39.5 billion in assets)
  • Jennings State Bank, Spring Grove, MN (approx. $56.3 million in assets)
  • Warren Bank, Warren, MI (approx. $538 million in assets)
  • Georgian Bank, Atlanta, GA (approx. $2 billion in assets)
  • Irwin Union Bank, F.S.B., Louisville, KY (approx. $493 million in assets)
  • Irwin Union Bank and Trust Company, Columbus, IN (approx. $2.7 billion in assets)
  • Venture Bank, Lacey, WA (approx. $970 million in assets)
  • Brickwell Community Bank, Woodbury, MN (approx. $72 million in assets)
  • Corus Bank, N.A., Chicago, IL (approx. $7 billion in assets)
  • First State Bank, Flagstaff, AZ (approx. $105 million in assets)
  • Platinum Community Bank, Rolling Meadows, IL (approx. $345.6 million in assets)
  • Vantus Bank, Sioux City, IA (approx. $458 million in assets)
  • InBank, Oak Forest, IL (approx. $212 million in assets)
  • First Bank of Kansas City, Kansas City, MO (approx. $16 million in assets)
  • Affinity Bank, Ventura, CA (approx. $1 billion in assets)
  • Mainstreet Bank, Forest Lake, MN (approx. $459 million in assets)
  • Bradford Bank, Baltimore, MD (approx. $452 million in assets)
  • Guaranty Bank, Austin, TX (approx. $13 billion in assets)
  • CapitalSouth Bank, Birmingham, AL (approx. $617 million in assets)
  • First Coweta Bank, Newnan, GA (approx. $167 million in assets)
  • ebank, Atlanta, Georgia (approx. $143 million in assets)
  • Community Bank of Nevada, Las Vegas, Nevada (approx. $1.52 billion in assets)
  • Community Bank of Arizona, Phoenix, Arizona (approx. $158.5 million in total assets
  • Colonial Bank, Montgomery, Alabama (approx. $25 billion in assets)
  • Dwelling House Savings and Loan Association, Pittsburgh, Pennsylvania (approx. $13.4 million in assets)
  • Community First Bank, Prineville, Oregon (approx. $209 million in total assets
  • Community National Bank of Sarasota County, Venice, Florida (approx. $97 million in assets)
  • First State Bank, Sarasota, Florida (approx. $463 million in assets)
  • Mutual Bank, Harvey, Illinois (approx. $1.6 billion in assets)
  • First BankAmericano, Elizabeth, New Jersey (approx. $166 million in assets)
  • Peoples Community Bank, West Chester, Ohio (approx. $705.8 million in assets)
  • Integrity Bank, Jupiter, Florida (approx. $119 million in assets)
  • First State Bank of Altus, Altus, Oklahoma (approx. $103.4 million in assets)
  • Security Bank of Gwinnett County, Suwanee, GA; Security Bank of North Fulton, Alpharetta, GA; Security Bank of North Metro, Woodstock, GA; Security Bank of Bibb County, Macon, GA; Security Bank of Houston County, Perry, GA; and Security Bank of Jones County, Gray, GA (approx. $2.8 billion in combined assets
  • Waterford Village Bank, Williamsville, New York (approx. $61.4 million in assets)
  • Temecula Valley Bank, Temecula, California (approx. $1.5 billion in assets)  
  • Vineyard Bank, N.A., Rancho Cucamonga, California (approx. $1.9 billion in assets)  
  • BankFirst in Sioux Falls, South Dakota (approx. $275 million in assets)  
  • First Piedmont Bank, Winder, Georgia (approx. $115 million in assets)  
  • Bank of Wyoming in Thermopolis, Wyoming (approx. $70 million in assets)  
  • Founders Bank in Worth, Illinois (approx. $962.5 million in assets)   
  • Millennium State Bank of Texas in Dallas, Texas (approx. $118 million in assets)  
  • The First National Bank of Danville in Danville, Illinois (approx. $166 million in assets)  
  • The Elizabeth State Bank in Elizabeth, Illinois (approx. $55.5 million in assets)  
  • Rock River Bank in Oregon, Illinois (approx. $77 million in assets) 
  • The First State Bank of Winchester in Winchester, Illinois(approx. $36 million in assets) 
  • The John Warner Bank in Clinton, Illinois (approx. $70 million in assets) 
  • Mirae Bank in Los Angeles, California (approx. $456 million in assets)
  • MetroPacific Bank in Irvine, California (approx. $80 million in assets)
  • Horizon Bank in Pine City, Minnesota (approx. $87.6 million in assets)
  • Neighbor Community Bank in Newnan, Georgia (approx. $221.6 million in assets)
  • Community Bank of West Georgia in Villa Rica, Georgia (approx. $199.4 million in assets)
  • First National Bank of Anthony in Anthony, Kansas (approx. $156.9 million in assets)
  • Cooperative Bank in Wilmington, North Carolina (approx. $970 million in assets)
  • Southern Community Bank, Fayetteville, Georgia (approx. $377 million in assets)
  • Bank of Lincolnwood in Lincolnwood, Illinois (approx. $214 million in assets)
  • Citizens National Bank in Macomb, Illinois (approx. $437 million in assets)
  • Strategic Capital Bank in Champaign, Illinois (approx. $537 million in assets)
  • BankUnited, FSB in Coral Gables, Florida (approx. $12.8 billion in assets)
  • Westsound Bank in Bremerton, Washington(approx. $334.6 million in assets)
  • America West Bank in Layton, Utah (approx. $299.4 million in assets)
  • Citizens Community Bank in Ridgewood, New Jersey (approx. $45.1 million in assets)
  • Silverton Bank, N.A. in Atlanta, Georgia (approx. $4.1 billion in assets)
  • First Bank of Idaho in Ketchum, Idaho (approx. $488.9 million in assets)
  • First Bank of Beverly Hills in Calabasas, California (approx. $1.5 billion in assets)
  • Michigan Heritage Bank in Farmington Hills, Michigan (approx. $184.6 million in assets)
  • American Southern Bank in Kennesaw, Georgia (approx. $112.3 million in assets) 
  • Great Basin Bank of Nevada in Elko, Nevada (approx. $270.9 million in assets)
  • American Sterling Bank in Sugar Creek, Missouri (approx. $181.0 million in assets)
  • New Frontier Bank in Greeley, Colorado (approx. $2.0 billion in assets)
  • Cape Fear Bank in Wilmington, North Carolina (approx. $492.0 million in assets)
  • Omni National Bank in Atlanta, Georgia (approx. $956.0 million in assets)
  • TeamBank, National Association in Paola, Kansas (approx. $669.8 million in assets)
  • Colorado National Bank in Colorado Springs, Colorado (approx. $123.5 million in assets)
  • FirstCity Bank in Stockbridge, Georgia (approx. $297.0 million in assets)
  • Freedom Bank of Georgia in Commerce, Georgia (approx. $173.0 million in assets)
  • Security Savings Bank in Henderson, Nevada (approx. $238.3 million in assets)
  • Heritage Community Bank in Glenwood, Illinois (approx. $232.9 million in assets)
  • Silver Falls Bank in Silverton, Oregon (approx. $131.4 million in assets)
  • Pinnacle Bank of Oregon in Beaverton, Oregon (approx. $73.0 million in assets)
  • Corn Belt Bank and Trust Company in Pittsfield, Illinois (approx. $271.8 million in assets)
  • Riverside Bank of the Gulf Coast in Cape Coral, Florida (approx. $539.0 million in assets)
  • Sherman County Bank in Loup City, Nebraska (approx. $129.8 million in assets)
  • County Bank in Merced, California (approx. $1.7 billion in assets)
  • Alliance Bank in Culver City, California (approx. $1.14 billion in assets)
  • FirstBank Financial Services in McDonough, Georgia (approx. $337.0 million in assets)
  • Ocala National Bank in Ocala, Florida (approx. $223.5 million in assets)
  • Suburban Federal Savings Bank in Crofton, Maryland (approx. $360.0 million in assets)
  • Magnet Bank located in Salt Lake City, Utah (approx. $292.9 million in assets)
  • First Centennial Bank located in Redlands, California (approx. $803.3 million in assets)
  • Bank of Clark County located in Vancouver, Washington (approx. $366.5 million in assets)
  • National Bank of Commerce located in Berkeley, Illinois (approx. $430.9 million in assets)

2008

  • Douglass National Bank located in Kansas City, Missouri (approx. $58.5 million in assets)
  • Hume Bank located in Hume, Missouri (approx. $18.7 million in assets)
  • ANB Financial, National Association (N.A.) located in Bentonville, Arkansas (approx. $2.1 billion in assets)
  • First Integrity Bank, N.A., located in Staples, Minnesota (approx. $54.7 million in assets)
  • IndyMac Bank, F.S.B., located in Pasadena, California (approx. $32.01 billion in assets)
  • First National Bank of Nevada located in Reno, Nevada (approx. $3.4 billion in assets) This included First National Bank of Arizona located in Scottsdale, Arizona.
  • First Heritage Bank, N.A., located in Newport Beach, California (approx. $254 million in assets)
  • First Priority Bank, located in Bradenton, Florida (approx. $259 million in assets)
  • The Columbian Bank and Trust located in Topeka, Kansas (approx. $752 million in assets)
  • Integrity Bank located in Alpharetta, Georgia (approx. $1.1 billion in assets)
  • Silver State Bank located in Henderson, Nevada (approx. $2 billion in assets)
  • Ameribank located in Northfolk, West Virginia (approx. $104 million in assets)
  • Washington Mutual headquartered in Seattle, Washington (approx. $307 billion in assets)
  • Main Street Bank located in Northville, Michigan (approx. $98 million in assets)
  • Meridian Bank located in Eldred, Illinois  (approx. $39.2 million in assets)
  • Alpha Bank & Trust located in Alpharetta, Georgia  (approx. $354.1 million in assets)
  • Freedom Bank located in Braedenton, Florida (approx. $287 million in assets)
  • Franklin Bank, SSB located in Houston, Texas (approx $5.1 billion in assets)
  • Security Pacific Bank located in Los Angeles, California (approx $561.1 million in assets)
  • The Community Bank, Loganville, Georgia (approx $681 million in assets)
  • Downey Savings and Loan, Newport Beach, California (approx $12.8 billion in assets)
  • PFF Bank and Trust, Pomona, California (approx $3.7 billion in assets)
  • First Georgia Community Bank, Jackson, Georgia (approx $237.5 million in assets)
  • Haven Trust Bank, Duluth, Georgia (approx $572 million in assets)
  • Sanderson State Bank, Sanderson, Texas (approx $37 million in assets)
Source: http://www.fdic.gov/bank/historical/bank/index.html, as of October 19, 2009.

This information about Maximum FDIC Insurance, FDIC protection and FDIC Insurance Coverage is for informational purposes. For complete information on FDIC insurance protection, covered account categories and insurability amounts, please visit www.fdic.gov (external link) or ask your banker for the FDIC publications “Your Insured Deposits” and ”Insuring Your Deposits.” For more information on the MaxSafe Money Market Account or MaxSafe Certificates of Deposit, please peruse the MaxSafe Website.  All banks in the MaxSafe Program are deemed well-capitalized by the Federal Deposit Insurance Corporation and other government regulatory agencies. Each insured bank in the MaxSafe program has full fdic insurance coverage and are members FDIC.

 
             
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