LOS ANGELES, CA – February 20, 2026 – LiquidTrust™, the trust layer for business payments, today released its 2026 ranking of the Best Banks for U.S. Small and Midsize Businesses, highlighting how SMBs evaluate banking partners online as they face increasing economic uncertainty.
The ranking is informed by LiquidTrust’s work with financial institutions and SMB payment flows, where trust and transparency shape decisions before the first conversation. Banks were rated using a consistent scoring framework applied to publicly available web content, product documentation, and disclosures.
As shifting tariff regimes, supplier disruption, and cost volatility continue to pressure SMBs, banking decisions have become more consequential. Access to payments, liquidity, cross-border services, and transparency around fees and controls can directly affect a business’s ability to adapt when costs move unexpectedly or vendors change.
What the ranking evaluates
Rather than assessing negotiated pricing or relationship-led service models, the analysis evaluates publicly available information across five areas SMBs consistently prioritize:
- Digital account access and onboarding
- Transparency of account structures
- Visibility into payments and cash-management tools
- Availability of cross-border and FX services
- Access to credit products that support growth
For many SMBs, the research phase is no longer optional – it’s how banking decisions start. This ranking reflects what businesses can realistically evaluate on their own, at a time when clarity and access matter more than ever.
The 2026 Top 10 includes a mix of national banks, super-regional institutions, and digital-first platforms, reflecting the range of models SMBs consider when comparing banking partners. The ranking is intended as a guide to fit, not a declaration of winners and losers, and acknowledges that many banks deliver sophisticated capabilities through relationship-led approaches that may not be fully visible online.
What the ranking does not assess
LiquidTrust did not evaluate negotiated pricing, existing customer relationships, or proprietary service models, and banks did not pay to participate in the ranking.
In addition to the ranking, LiquidTrust published a companion methodology post detailing the evaluation lens and scope, reinforcing transparency around what was—and was not—assessed.
The full ranking and methodology
- Best Banks for U.S. SMBs: A 2026 Perspective on Digital Access and Transparency
- How We Evaluated the Best Banks for U.S. SMBs
About LiquidTrust
LiquidTrust is the trust layer for business payments, enabling conditional payments that hold and release funds only when predefined conditions are met – before money moves. Its flagship product, Protected Pay, powered by Micro Escrow™ technology, embeds conditional holds into the payment flow so funds are released automatically when agreed terms are satisfied. Built on trusted financial infrastructure, LiquidTrust is compliant by design, with KYC, KYB, AML, transaction monitoring, and compliant fund movement managed end-to-end. LiquidTrust partners with financial institutions, B2B platforms and marketplaces to enable safer, simpler transactions both domestically and across 200+ countries. Backed by leading investors and trusted by financial institutions, LiquidTrust is setting a new standard for trust in everyday business payments. Visit www.liquidtrust.io to learn more.
