Privately owned banks do not report to the SEC, but they can face challenges if they need capital. This list looks at banks with a physical retail presence and stock that cannot be readily traded on a stock exchange.

#10 – Dollar Bank

The Pittsburgh mutual thrift had $6.6 billion in assets at Sept. 30. Its building on Fourth Avenue in Pittsburgh, shown here, opened in 1871 and is on the National Register of Historic Places.

#9 – Emigrant Bank

The $8.1 billion-asset bank is owned by the family of Howard Milstein. Earlier this year, a House panel approved a measure allowing Emigrant to avoid higher capital standards imposed by the Dodd-Frank Act, though lawmakers have taken no further action on the measure.

#8 – Eastern Bank

Founded in 1818, the Boston institution is the largest mutually owned bank in the nation, with $8.2 billion of assets and more than 90 branches in Massachusetts. Eastern is an active acquirer, buying three mutual thrifts since 2005, including Community Bank in Brockton, Mass.

#7 – Apple Bank for Savings

The Manhasset, N.Y., bank is controlled by the estate of Stanley Stahl, a New York real estate developer who bought the bank in 1990. The $9 billion-asset bank agreed earlier this year to buy 30 branches and $3.2 billion in deposits from Emigrant Bank.

#6 – MidFirst Bank

The $9.9 billion-asset bank has the third-largest deposit market share in Oklahoma, including the top spot in Oklahoma City. The bank’s chairman and chief executive, Jeff Records, is a co-owner of the NBA’s Oklahoma City Thunder.

#5 – Central Bancompany

The Jefferson City, Mo., company has $10.2 billion in assets spread among 13 banks in Missouri and Oklahoma, including First National Bank of St. Louis.

#4 – FirstBank

The Lakewood, Colo., bank, which also uses the brand name 1stBank, has $12.3 billion in assets and more than 100 branches in Colorado, Arizona and California. John Ikard, the employee-owned bank’s chief executive, was a 2010 American Banker Community Banker of the Year recipient.

#3 – Arvest Bank

The Fayetteville, Ark., bank is owned by descendants of Wal-Mart Stores founder Sam Walton and other private investors. The $13.8 billion-asset bank bought Union Bank of Kansas City, Mo., in June.

#2 – OneWest Bank

The $25.8 billion-asset institution rose from the ashes of IndyMac Bank, which failed in 2009. The Pasadena, Calif., bank’s investors include Michael Dell, George Soros and John Paulson.

#1 – USAA Federal Savings Bank

The $57.6 billion-asset bank’s name stands for the United Services Automobile Association. The bank is structured as an insurance exchange under Texas state law. It has 11 branches but handles most transactions through an online platform.