Forbes' 16 annual America's Best Banks list looks at the 200 largest publicly-traded banks and thrifts by assets and ranks the top 100. We look at 10 metrics measuring growth, credit quality and profitability for the 12 months ending September 30, 2024, and stock performance for the 12 months ending January 10, 2025. The 10 equally-weighted financial metrics are net interest margin; return on average tangible common equity; return on average assets; CET1 ratio; efficiency ratio; nonperforming assets as a percentage of total assets; reserves as a percentage of total assets; risk-based capital ratio; operating revenue growth; and net charge-offs as a percentage of total loans. S&P Global Market Intelligence provides the data, the rankings are done separately by Forbes.