The Ogallala Score is named for the aquifer — a deep source that keeps a creek flowing through drought. The score asks the same question of a bank: does it run on deep, stable funding and disciplined management, or on funding that evaporates when conditions turn? Build a peer group below by state and asset size; every bank is then ranked against those peers on five pillars computed from public FDIC call report data, including how its deposit costs and loan yields actually behaved through both the rising- and falling-rate environments since 2018.
Click any bank to see the metrics behind its score, with its percentile standing in the current peer group. Click a column heading to sort. Stars are awarded on a fixed distribution within the peer group — the top 10% receive five stars, the next 22.5% four, the middle 35% three, the next 22.5% two, and the bottom 10% one — so a star rating always answers the question “compared to whom?” with the peers you chose above.
Each bank is scored on five weighted pillars. Every underlying metric is converted to a percentile rank within the peer group; pillar averages are then combined using the weights below to produce the composite that determines the ranking and the stars.
| Pillar | Weight | What it rewards |
|---|---|---|
| Income engine | 25% | Asset yield net of ten-year charge-offs; yields that reprice upward with the market and hold when rates fall; margin stability across the rate cycle; and revenue diversification from fee-based lines, credited up to a 50% share of operating revenue. |
| Funding franchise | 25% | Deposit costs that remain low and stable as rates rise and are reduced promptly as rates fall; a low overall cost of funds; and a deposit base built on core relationships rather than brokered sources. |
| Credit discipline | 20% | Low, stable net charge-offs measured over ten full years, and minimal noncurrent loans in the most recent quarter — current problem assets are never averaged away. |
| Operating efficiency | 15% | Lower overhead relative to both revenue and assets, averaged over three years to limit the influence of any single quarter. |
| Franchise growth | 15% | Organic growth in core deposits and loans over five years, credited up to roughly 10% per year and penalized beyond it — rapid loan growth is a recognized precursor of credit losses. Growth consistent with acquisition activity is flagged. |
Rate-cycle behavior. Several metrics are funding and asset-yield betas: the movement in a bank’s rates per 100 basis point move in market rates, estimated separately for the rising- and falling-rate periods since 2018. An institution that showed restraint in raising deposit costs and promptness in reducing them — with the reverse pattern on the asset side — has demonstrated pricing discipline in both environments, and the score rewards that record.
Outcome measures. Return on assets and net interest margin are displayed for context but not graded; they are the product of the five pillars, and grading them as well would count the same strengths twice.
Sources. All inputs are public-domain regulatory data: quarterly Call Report aggregates from the FDIC BankFind Suite and the SOFR benchmark series from the Federal Reserve Bank of New York. The dataset covers every active FDIC-insured institution and is refreshed as new quarterly filings are published.
Confidence flags. Newly chartered banks and recent merger targets do not have enough rate-cycle history to estimate betas; they are marked limited history and scored on the metrics they do have. Banks with a year-over-year asset jump above 30% in the growth window are marked acq? because their growth likely includes an acquisition rather than organic franchise gains.
Known limitations. Rate-cycle history begins with SOFR in 2018, so the betas rest on one full hiking cycle and the easing periods around it. Growth partly reflects geography — a well-run bank in a shrinking rural market cannot grow deposits the way a metro bank can, which is one reason peer groups should compare comparable markets. Specialty lenders (credit-card banks, for example) carry yields and charge-offs that do not compare cleanly with community banks in the same peer group. And a merger splices two funding histories into one series, which can distort betas for a few years. Fee income share is measured from total noninterest income, which includes deposit service charges and occasional securities gains alongside the trust, wealth, mortgage, and insurance revenue it is meant to reward — the call report aggregates do not separate them cleanly at every institution. The score is a screening lens, not a verdict.