IndyMac bank going under probably has you wondering, is my bank next? Various analysts are predicting that hundreds of small and regional banks could collapse in the next year. Here’s the top 10 list of the nation’s most troubled banks…

The list is determined by dividing the bank’s non-performing loans by the sum of its tangible equity capital and loan loss reserves, what is termed the “Texas-ratio.” Any bank with a ratio higher than 100 means they have more bad loans on the books than money to pay for them. The good news is that all the banks are FDIC-insured, which means that up to the first $100,000 of your deposits are guaranteed by the federal government.

Who’s Next? List of Troubled Banks Worries Wall Street, DC [ABC] (Photo: Getty)

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