(AP) — The regulator of nationally chartered banks says community national banks and federal savings associations in Iowa, Nebraska and South Dakota have recovered from the effects of the financial crisis and economic downturn.

The Office of the Comptroller of the Currency says in a statement released Tuesday the vast majority of the 87 institutions it supervises in the three states have received the agency’s highest ratings.

Bank composite ratings run on a scale of 1-to-5 with 1 being the healthiest.

Kay Kowitt, District Deputy Comptroller for the region says 97 percent of national banks and federal savings associations in the three states earned a composite rating of 1 or 2 in 2013. In 2011 just 82 percent received those ratings.

She says bank earnings have improved and capital levels are satisfactory.