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Regional banks — US Midwest

The 64 companies in this industry listed on the NYSE and Nasdaq are worth $295 bn combined; the largest are U.S. Bancorp (USB), Fifth Third Bancorp (FITB) and Huntington Bancshares (HBAN). For each one: what it does, revenue, margin, free cash flow over the last five years and a score from 0 to 10.

Data as of October 2026

Open contest
64 companies value 295 bn revenue 92 bn margin — free cash flow — avg. score 6.2
USB holds 30.5% of the group's value, 2.0x the runner-up
Rank Ticker Company Share Value Revenue Margin FCF 5 years FCF/px Yield What it does · why it is here
1 USB U.S. Bancorp
United States · score 7.1
 31% 90 bn 30 bn 27.5% 13 bn 13.9% 3.6% Retail and commercial banking and payment processing · Largest US regional bank; the group's best historical efficiency
2 FITB Fifth Third Bancorp
United States · score 5.2
 16% 46 bn 11 bn 20.7% 3.0 bn 6.6% 2.8% Retail and commercial bank in the Midwest · Midwest regional bank with good efficiency and a consistent dividend
3 HBAN Huntington Bancshares
United States · score 7.0
 10% 31 bn 9.7 bn 24.7% 2.7 bn 8.7% 3.3% Retail and commercial bank in Ohio and the Midwest · Midwest regional bank expanding into the Southeast
4 KEY KeyCorp
United States · score 6.6
 7% 21 bn 7.8 bn 26.0% 1.2 bn 5.6% 4.9% Retail and commercial bank from Ohio · US Midwest regional bank with a strong commercial loan book
5 UMBF UMB FINANCIAL CORP
United States · score 6.9
 3% 9.8 bn 3.5 bn 26.9% 1.0 bn 10.6% 1.5% Financial holding company in Kansas City · Missouri — assets of $72.3bn
6 WTFC WINTRUST FINANCIAL CORP
United States · score 7.1
 3% 9.6 bn 2.9 bn 31.4% 1.6 bn 16.6% 1.9% Illinois financial holding, with $71.1 billion in assets · Illinois — assets of $74.7bn
7 ONB OLD NATIONAL BANCORP /IN/
United States · score 6.9
 3% 9.5 bn 3.6 bn 24.7% 0.9 bn 9.9% 2.5% Regional bank in the US Midwest · Indiana — assets of $74.2bn
8 CBSH COMMERCE BANCSHARES INC /MO/
United States · score 6.8
 3% 7.9 bn 1.6 bn 37.6% 1.2 bn 15.4% 2.0% Missouri bank: retail, corporate and asset management · Missouri — assets of $35.3bn
9 CBC Central Bancompany, Inc.
United States · score 5.6
 3% 7.8 bn 1.0 bn 42.0% 0.5 bn 6.2% 1.3% Bank holding company from Jefferson City, Missouri · Missouri — assets of $20.3bn
10 ASB ASSOCIATED BANC-CORP
United States · score 6.7
 2% 5.4 bn 2.3 bn 22.4% 0.7 bn 13.3% 3.0% Regional bank in Wisconsin and the Midwest · Wisconsin — assets of $51.8bn
11 TFSL TFS Financial CORP
United States · score 5.3
 2% 4.5 bn 0.8 bn 12.8% 0.1 bn 1.9% 1.3% Residential mortgage financing, from Ohio · Ohio — assets of $18.1bn
12 NIC NICOLET BANKSHARES INC
United States · score 5.8
 1% 3.4 bn 0.6 bn 25.7% 0.2 bn 5.2% 0.7% Wisconsin bank holding company · Wisconsin — assets of $15.4bn
13 FFBC FIRST FINANCIAL BANCORP /OH/
United States · score 6.8
 1% 3.3 bn 1.1 bn 26.4% 0.8 bn 23.0% 3.1% Regional bank holding company from Cincinnati, Ohio · Ohio — assets of $22.4bn
14 PRK PARK NATIONAL CORP /OH/
United States · score 6.1
 1% 3.2 bn 0.7 bn 25.8% 0.2 bn 5.7% — Ohio community bank · Ohio — assets of $12.7bn
15 FRME FIRST MERCHANTS CORP
United States · score 5.5
 1% 2.5 bn 1.0 bn 18.9% 0.3 bn 12.7% 3.5% Community bank in Indiana and the Midwest · Indiana — assets of $21.3bn
16 BUSE FIRST BUSEY CORP /NV/
United States · score 7.3
 1% 2.4 bn 0.8 bn 29.3% 0.2 bn 8.6% 4.5% Illinois bank, with asset management and payments technology · Kansas — assets of $18.2bn
17 MBIN Merchants Bancorp
United States · score 3.6
 1% 2.2 bn 1.2 bn 22.9% -0.8 bn -35.0% 2.8% Diversified bank holding company from Carmel, Indiana · Indiana — assets of $21.2bn
18 EFSC ENTERPRISE FINANCIAL SERVICES CORP
United States · score 6.7
 1% 2.1 bn 0.9 bn 20.9% 0.2 bn 9.8% 2.2% Senior lending to private equity portfolio companies · Missouri — assets of $17.4bn
19 SRCE 1ST SOURCE CORP
United States · score 6.7
 1% 2.1 bn 0.5 bn 32.8% 0.2 bn 10.1% 2.0% Indiana bank, with equipment and solar financing · Indiana — assets of $9.3bn
20 GABC GERMAN AMERICAN BANCORP, INC.
United States · score 6.7
 1% 1.9 bn 0.5 bn 28.2% 0.2 bn 9.8% 2.4% Financial holding company in Jasper, Indiana · Indiana — assets of $8.4bn
21 BY BYLINE BANCORP, INC.
United States · score 6.7
 1% 1.7 bn 0.6 bn 25.8% 0.2 bn 9.7% 1.2% Bank holding company in Chicago · Illinois — assets of $9.9bn
22 QCRH QCR HOLDINGS INC
United States · score 6.6
 1% 1.6 bn 0.5 bn 28.8% 0.8 bn 49.7% — Multibank holding company in Moline, Illinois · Illinois — assets of $9.5bn
23 BFC Bank First Corp
United States · score 5.7
 1% 1.6 bn 0.3 bn 31.0% 0.0 bn 2.6% — Holding company of Bank First, from Wisconsin, founded in 1894 · Wisconsin — assets of $5.9bn
24 CASH PATHWARD FINANCIAL, INC.
United States · score 6.8
 1% 1.5 bn 0.8 bn 21.3% 0.7 bn 45.6% 0.3% The bank behind fintechs: accounts, cards and lending · South Dakota — assets of $7.3bn
25 LKFN LAKELAND FINANCIAL CORP
United States · score 7.0
 1% 1.4 bn 0.4 bn 29.6% 0.1 bn 7.8% 3.6% Holding of Lake City Bank, in northern and central Indiana · Indiana — assets of $7.2bn
26 PEBO PEOPLES BANCORP INC
United States · score 6.5
 0% 1.3 bn 0.5 bn 25.5% 0.1 bn 10.4% 4.5% Ohio community bank, with insurance and leasing · Ohio — assets of $9.5bn
27 FMBH FIRST MID BANCSHARES, INC.
United States · score 6.3
 0% 1.3 bn 0.4 bn 24.6% 0.1 bn 9.1% 1.9% Illinois national bank · Illinois — assets of $9.2bn
28 OSBC OLD SECOND BANCORP INC
United States · score 6.1
 0% 1.3 bn 0.4 bn 22.8% 0.1 bn 11.2% 1.1% Illinois bank, with residential mortgages · Illinois — assets of $6.9bn
29 HBT HBT Financial, Inc.
United States · score 6.3
 0% 1.3 bn 0.3 bn 26.9% 0.1 bn 6.8% 2.3% Bank holding company from Bloomington, Illinois · Illinois — assets of $6.7bn
30 CFFN Capitol Federal Financial, Inc.
United States · score 6.4
 0% 1.0 bn 0.4 bn 19.7% 0.1 bn 7.0% 4.8% Savings and residential and commercial mortgages, from Kansas · Kansas — assets of $9.7bn
31 EQBK EQUITY BANCSHARES INC
United States · score 4.4
 0% 1.0 bn 0.4 bn 9.0% 0.0 bn 4.0% 1.4% Financial holding company from Wichita, Kansas · Kansas — assets of $7.7bn
32 HBNC HORIZON BANCORP INC /IN/
United States · score 3.1
 0% 1.0 bn 0.4 bn -40.3% 0.1 bn 9.5% 3.2% Bank holding company from Michigan City, Indiana · Indiana — assets of $6.6bn
33 MBWM MERCANTILE BANK CORP
United States · score 6.7
 0% 1.0 bn 0.3 bn 28.0% 0.1 bn 7.2% 2.5% Bank holding company registered with the Federal Reserve · Michigan — assets of $6.8bn
34 FMNB FARMERS NATIONAL BANC CORP /OH/
United States · score 6.0
 0% 0.9 bn 0.3 bn 20.5% 0.1 bn 6.7% 3.2% Ohio financial holding company, organized in 1983 · Ohio — assets of $7.1bn
35 THFF FIRST FINANCIAL CORP /IN/
United States · score 6.8
 0% 0.9 bn 0.3 bn 26.4% 0.1 bn 10.6% 2.9% Financial holding company · Indiana — assets of $6.2bn
36 GSBC GREAT SOUTHERN BANCORP, INC.
United States · score 6.7
 0% 0.8 bn 0.3 bn 22.7% 0.0 bn 5.3% 2.2% Holding of Great Southern Bank · Missouri — assets of $5.5bn
37 SMBC SOUTHERN MISSOURI BANCORP, INC.
United States · score 6.7
 0% 0.8 bn 0.3 bn 24.9% 0.1 bn 10.0% 1.4% Missouri bank · Missouri — assets of $5.2bn
38 ALRS ALERUS FINANCIAL CORP
United States · score 5.9
 0% 0.8 bn 0.3 bn 9.9% 0.1 bn 11.5% 2.7% Banking, retirement, benefits and wealth management · North Dakota — assets of $5.3bn
39 IBCP INDEPENDENT BANK CORP /MI/
United States · score 6.7
 0% 0.8 bn 0.2 bn 30.2% 0.0 bn 4.8% 2.8% Holding of Independent Bank, of Michigan · Michigan — assets of $5.7bn
40 MSBI Midland States Bancorp, Inc.
United States · score 6.6
 0% 0.7 bn 0.4 bn 11.8% 0.1 bn 17.6% 4.2% Diversified financial holding company from Effingham, Illinois · Illinois — assets of $6.7bn
41 BWB Bridgewater Bancshares Inc
United States · score 6.2
 0% 0.6 bn 0.3 bn 19.5% 0.0 bn 6.4% — Commercial bank from Minneapolis · Minnesota — assets of $5.4bn
42 FBIZ FIRST BUSINESS FINANCIAL SERVICES, INC.
United States · score 6.0
 0% 0.6 bn 0.3 bn 21.9% 0.1 bn 13.9% 1.8% Wisconsin commercial bank holding, from 1986 · Wisconsin — assets of $4.4bn
43 CIVB CIVISTA BANCSHARES, INC.
United States · score 6.7
 0% 0.6 bn 0.2 bn 29.3% 0.1 bn 10.2% 2.5% Ohio bank, opened in 1884 · Ohio — assets of $4.3bn
44 NPB NORTHPOINTE BANCSHARES INC
United States · score 6.7
 0% 0.5 bn 0.4 bn 21.5% 0.1 bn 19.2% 0.7% Bank holding company in Grand Rapids, Michigan · Michigan — assets of $7.5bn
45 COFS CHOICEONE FINANCIAL SERVICES INC
United States · score 7.1
 0% 0.5 bn 0.2 bn 22.8% 0.1 bn 10.4% 3.5% Michigan bank · Michigan — assets of $4.5bn
46 WTBA WEST BANCORPORATION INC
United States · score 6.7
 0% 0.5 bn 0.2 bn 19.8% 0.1 bn 9.8% 3.4% Business-focused community bank, organized in 1893 · Iowa — assets of $4bn
47 FMAO FARMERS & MERCHANTS BANCORP INC
United States · score 6.6
 0% 0.5 bn 0.2 bn 22.5% 0.0 bn 8.6% 2.6% Ohio bank holding company, from 1985 · Ohio — assets of $3.5bn
48 WSBF Waterstone Financial, Inc.
United States · score 5.3
 0% 0.4 bn 0.1 bn 25.4% 0.0 bn 12.0% 3.0% Wisconsin savings bank, with mortgage origination · Wisconsin — assets of $2.3bn
49 ISBA ISABELLA BANK CORP
United States · score 5.8
 0% 0.3 bn 0.1 bn 19.7% 0.0 bn 8.3% 2.9% Central Michigan community bank · Michigan — assets of $2.2bn
50 LCNB LCNB CORP
United States · score 6.9
 0% 0.3 bn 0.1 bn 23.8% 0.0 bn 13.4% 4.6% Community bank in southwest Ohio · Ohio — assets of $2.2bn
51 HWBK HAWTHORN BANCSHARES, INC.
United States · score 6.6
 0% 0.3 bn 0.1 bn 25.6% 0.0 bn 10.6% 2.1% Bank holding company registered with the Federal Reserve · Missouri — assets of $1.8bn
52 ATLO AMES NATIONAL CORP
United States · score 6.6
 0% 0.3 bn 0.1 bn 25.5% 0.0 bn 7.3% 2.7% Community bank in Iowa · Iowa — assets of $2.1bn
53 RMBI Richmond Mutual Bancorporation, Inc.
United States · score 6.1
 0% 0.3 bn 0.1 bn 13.9% 0.0 bn 5.3% 2.3% Indiana bank, with trust services and wealth management · Indiana — assets of $1.6bn
54 CFBK CF BANKSHARES INC.
United States · score 6.3
 0% 0.2 bn 0.1 bn 16.0% 0.0 bn 8.2% 1.0% Ohio bank, with fixed- and adjustable-rate mortgages · Ohio — assets of $2.2bn
55 OVBC OHIO VALLEY BANC CORP
United States · score 6.2
 0% 0.2 bn 0.1 bn 15.7% 0.0 bn 9.2% 2.1% Bank holding company with lending and insurance arms · Ohio — assets of $1.7bn
56 CZWI Citizens Community Bancorp Inc.
United States · score 5.8
 0% 0.2 bn 0.1 bn 14.6% 0.0 bn 9.5% 1.0% Maryland bank holding company, organized in 2004 · Wisconsin — assets of $1.8bn
57 FNWD Finward Bancorp
United States · score 5.9
 0% 0.2 bn 0.1 bn 10.6% 0.0 bn 9.2% 1.1% Holding company of Peoples Bank, from Indiana · Indiana — assets of $2bn
58 LARK LANDMARK BANCORP INC
United States · score 6.8
 0% 0.2 bn 0.1 bn 24.5% 0.0 bn 11.9% 2.6% Kansas community bank · Kansas — assets of $1.6bn
59 SBFG SB FINANCIAL GROUP, INC.
United States · score 6.7
 0% 0.2 bn 0.1 bn 21.7% 0.0 bn 12.6% 2.1% Ohio bank, with wealth management and title insurance · Ohio — assets of $1.6bn
60 FCAP FIRST CAPITAL INC
United States · score 6.8
 0% 0.2 bn 0.1 bn 33.8% 0.0 bn 10.6% 2.0% Community bank in Indiana · Indiana — assets of $1.3bn
61 UBCP UNITED BANCORP INC /OH/
United States · score 5.3
 0% 0.1 bn 0.0 bn 19.1% 0.0 bn -5.3% 7.3% Bank holding company from Martins Ferry, Ohio · Ohio — assets of $878m
62 CPBI Central Plains Bancshares, Inc.
United States · score 5.6
 0% 0.1 bn 0.0 bn 15.7% 0.0 bn 7.5% — Savings bank from Grand Island, Nebraska · Nebraska — assets of $562m
63 HYNE Hoyne Bancorp, Inc.
United States · score 2.6
 0% 0.1 bn 0.0 bn 1.2% 0.0 bn -2.7% — Delaware bank holding company, converted in 2025 · Illinois — assets of $480m
64 MBBC Marathon Bancorp, Inc. /MD/
United States · score 4.7
 0% 0.0 bn 0.0 bn 15.0% 0.0 bn 4.6% — Wisconsin savings bank · Wisconsin — assets of $261m

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What this is. A catalogue, not a guide. Every industry with stocks listed on the NYSE or NASDAQ, the companies contending for its leadership, what each one does according to its own annual report, and the balance sheet it filed with the SEC.

The score runs from 0 to 10 and compares each company with every other one in the almanac on cash generation, profitability, debt, dividends and consistency over the last five years. The higher it is, the better the company fares in that comparison. Curious how much each part weighs? Ask at the bottom of the page.

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