Bank Z-score in United States
United States: Bank Z-score was 31.06 in 2021. ▲ Rising
Bank Z-score in United States, 2000–2021
Source: Bankscope, Bureau van Dijk (BvD).
Analysis
United States recorded 31.06 for bank z-score in 2021.
The figure is up 2.5% on the previous year and down 7.7% over ten years.
Over the whole period, bank z-score in United States peaked at 35.17 in 2019 and was at its lowest, 26.37, in 2008.
United States ranks 15th of 170 countries on this measure, in the top 10%.
The long-run direction has been consistently rising across the 22 years of available data.
Bank Z-score in United States, year by year
| Year | Value | Change |
|---|---|---|
| 2000 | 27.02 | — |
| 2001 | 28.67 | +6.1% |
| 2002 | 29.47 | +2.8% |
| 2003 | 29.41 | -0.2% |
| 2004 | 31.81 | +8.2% |
| 2005 | 31.73 | -0.3% |
| 2006 | 31.84 | +0.4% |
| 2007 | 30.54 | -4.1% |
| 2008 | 26.37 | -13.6% |
| 2009 | 30.94 | +17.3% |
| 2010 | 33.21 | +7.4% |
| 2011 | 33.66 | +1.3% |
| 2012 | 33.75 | +0.3% |
| 2013 | 33.93 | +0.5% |
| 2014 | 34.11 | +0.5% |
| 2015 | 34.14 | +0.1% |
| 2016 | 33.67 | -1.4% |
| 2017 | 33.62 | -0.1% |
| 2018 | 34.68 | +3.1% |
| 2019 | 35.17 | +1.4% |
| 2020 | 30.3 | -13.8% |
| 2021 | 31.06 | +2.5% |
United States compared with similar countries
- United States's 31.06 is above the median for high income countries, which is 15.34, 2.0× the median. (63 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 29.78 | 26.37 | 31.84 | 10 |
| 2010s | 33.99 | 33.21 | 35.17 | 10 |
| 2020s | 30.68 | 30.3 | 31.06 | 2 |
Countries ranked near United States
More financial sector data for United States
- Reserve position in the IMF, US dollar, annual growth rate 17.82 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.001 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 89.64 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 12.2 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0007 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 65.46 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 17.82 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.001 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 89.64 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 12.2 % change on previous year (2025)
Frequently asked questions
- What is bank z-score in United States?
- Bank z-score in United States was 31.06 in 2021, according to Bankscope, Bureau van Dijk (BvD).
- What is the highest bank z-score recorded in United States?
- The highest recorded value was 35.17 in 2019.
- What is the lowest bank z-score recorded in United States?
- The lowest recorded value was 26.37 in 2008.
- How does United States rank for bank z-score?
- United States ranks 15th out of 170 countries with data for 2021.
- Is bank z-score rising or falling in United States?
- Over the last ten years it is down 7.7%. The long-run trend across the full record is rising.
- Where does this United States data come from?
- The figures come from Bankscope, Bureau van Dijk (BvD), published as part of Bank Z-score. Statizoid updates them automatically from the source API.
Download this data
CSV · JSON — 22 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
About this data
It captures the probability of default of a country's banking system. Z-score compares the buffer of a country's banking system (capitalization and returns) with the volatility of those returns. It is estimated as (ROA+(equity/assets))/sd(ROA); sd(ROA) is the standard deviation of ROA. ROA, equity, and assets are country-level aggregate figures Calculated from underlying bank-by-bank unconsolidated data from Bankscope.