Week 13 FCS Football Top 25: Regular Season Concludes as Playoff Field Takes Shape

The regular season has reached its dramatic conclusion with Week 13 delivering several defining moments that finalized conference championships and solidified the playoff picture ahead of Selection Sunday. North Dakota State secured the outright Missouri Valley Football Conference championship with a convincing 28-17 victory at South Dakota, while Montana stunned previously undefeated Montana State 30-27 in the Brawl of the Wild, introducing unexpected chaos to the playoff seeding picture. In the Colonial Athletic Association, Richmond completed a perfect conference run with a thrilling 24-23 victory over William & Mary, securing the conference's automatic bid.

The final weekend provided clarity in several conference races, with UC Davis, Duquesne, Richmond, Incarnate Word, and Abilene Christian joining previously qualified North Dakota State and Mercer in securing automatic bids to the playoff field. The FCS Selection Committee faces several intriguing decisions with Montana State's first loss, South Dakota's strong finish despite falling short in the conference race, and bubble teams like Eastern Kentucky, Northern Arizona, and Delaware State making compelling final statements.

As Selection Sunday arrives, the top seeds appear largely settled with North Dakota State positioned as the clear favorite for the top overall seed, while South Dakota State, Montana State, and UC Davis remain in contention for the remaining top-four positions that would provide home-field advantage through the quarterfinals. The expansion to a 24-team bracket with 16 seeded teams has created additional opportunities for programs to secure home playoff games, with the middle tier of contenders eagerly awaiting their postseason fate. The 2024 FCS playoffs promise to deliver exceptional competition with multiple legitimate championship contenders emerging from a compelling regular season.

The Elite Tier: Championship Favorites

1. North Dakota State Bison (11-1, 8-0 MVFC) [Previous: 1]

North Dakota State completed a perfect Missouri Valley Football Conference campaign with a convincing 28-17 victory at South Dakota, securing the outright conference championship while extending their winning streak to nine games. The Bison demonstrated championship poise in a hostile environment, overcoming an early deficit with 21 consecutive points while their defense limited the Coyotes' typically explosive offense to just 328 total yards. The comprehensive victory solidifies NDSU's position as the favorite for the top overall seed in the FCS playoffs.

Head coach Matt Entz's program continues to demonstrate remarkable consistency in the nation's toughest FCS conference, having outscored MVFC opponents by an average margin of 33.1 to 13.9 points per game. Their rushing attack remained effective against South Dakota's stout defense, generating 212 yards while controlling the tempo throughout the second half. Defensively, the Bison limited the Coyotes to just 4.8 yards per play while forcing three crucial turnovers.

North Dakota State enters the playoffs as the clear championship favorite, having dominated the MVFC while demonstrating consistent excellence against quality competition. Their physical, fundamentally sound approach on both sides of the ball has been their hallmark throughout the season, with quarterback Cam Miller's steady leadership providing the perfect complement to their powerful ground game. The Bison appear poised for their 10th FCS championship since 2011, with home-field advantage through the semifinals now secured.

2. South Dakota State Jackrabbits (10-2, 7-1 MVFC) [Previous: 3]

South Dakota State concluded its regular season with a dominant 48-7 victory over Indiana State, extending their winning streak to five games while finishing second in the Missouri Valley Football Conference standings. The two-time defending national champions were relentless on both sides of the ball, building a 31-7 halftime lead before pulling away in the second half. The comprehensive victory further establishes SDSU as one of the clear championship favorites heading into the playoffs.

Head coach Jimmy Rogers' program has demonstrated remarkable improvement throughout the season, having rebounded from early challenges to position themselves for another championship run. Their defense, which has been the team's strength throughout the season, limited Indiana State to just 217 total yards while forcing multiple turnovers. Offensively, the Jackrabbits maintained their balanced approach with over 500 total yards, showcasing their versatility as they prepare for the postseason.

South Dakota State enters the playoffs positioned for a potential top-three seed, which would provide home-field advantage through the quarterfinals. Their championship pedigree and late-season dominance make them perhaps the most dangerous team in the bracket, with few opponents eager to face them regardless of seeding. The Jackrabbits appear primed for a potential third consecutive national championship, with their balanced approach and championship experience serving as their foundation.

3. Montana State Bobcats (11-1, 7-1 Big Sky) [Previous: 2]

Montana State suffered its first defeat of the season, falling 30-27 to rival Montana in the 123rd Brawl of the Wild. The Bobcats rallied from a 14-point fourth-quarter deficit to tie the game at 27, only to surrender a game-winning field goal as time expired. Despite the setback, Montana State had already secured the Big Sky's automatic bid to the FCS playoffs and remains positioned as one of the clear championship favorites heading into the postseason.

Head coach Brent Vigen's program demonstrated impressive resilience in defeat, nearly completing a remarkable comeback after trailing throughout much of the contest. Quarterback Tommy Mellott delivered a gutsy performance despite facing consistent pressure, passing for 251 yards and two touchdowns while adding 43 rushing yards. The Bobcats' defense, which had been dominant throughout the season, struggled at times against Montana's balanced attack but made enough stops to give their offense a chance in the fourth quarter.

Montana State enters the playoffs positioned for a potential top-three seed despite this rivalry defeat, with their overall body of work—including victories over UC Davis, Weber State, and Idaho—supporting their case. The Bobcats remain one of the most balanced teams in the subdivision, with their physical running game complemented by Mellott's steady leadership and a typically stingy defense. Their championship pedigree and overall excellence make them legitimate contenders for a national title.

4. UC Davis Aggies (10-2, 7-1 Big Sky) [Previous: 5]

UC Davis concluded its regular season with a dominant 42-14 victory over Sacramento State in the Causeway Classic, securing a share of the Big Sky championship while extending their winning streak to 10 of their last 11 games. The Aggies were relentless on both sides of the ball, building a 21-0 first-quarter lead before pulling away in the second half. The comprehensive victory solidifies UC Davis's position as one of the clear championship contenders heading into the playoffs.

Head coach Tim Plough's program has demonstrated remarkable consistency throughout the season, having rebounded from a season-opening loss to FBS California to establish themselves as one of the FCS's elite teams. Their offense, which has been balanced and explosive all season, amassed over 450 total yards against Sacramento State while converting 9-of-13 third-down opportunities. Defensively, the Aggies limited the Hornets to just 287 total yards while forcing multiple turnovers.

UC Davis enters the playoffs positioned for a potential top-four seed, which would provide home-field advantage through the quarterfinals. Their impressive victory over Montana and narrow loss to Montana State showcase their ability to compete with the subdivision's elite programs. The Aggies' balanced approach and consistent execution make them legitimate championship contenders, with quarterback Miles Hastings and running back Lan Larison providing the offensive foundation for their title aspirations.

5. South Dakota Coyotes (8-3, 6-2 MVFC) [Previous: 4]

South Dakota suffered a disappointing 28-17 defeat to North Dakota State in their regular-season finale, falling short in their bid for a share of the Missouri Valley Football Conference championship. The Coyotes showed early promise, building a 10-7 lead before surrendering 21 consecutive points to the Bison. Despite the setback, South Dakota's impressive overall resume—including six conference victories in the nation's toughest FCS conference—keeps them firmly positioned as championship contenders heading into the playoffs.

Head coach Bob Nielson's program demonstrated championship-level resilience throughout the season, with their only losses coming against FBS Wisconsin, South Dakota State in overtime, and now conference champion North Dakota State. Their offense, which had been explosive throughout the season, was limited to just 328 total yards by the Bison's stingy defense. Defensively, the Coyotes generated consistent pressure but struggled to contain North Dakota State's physical running game in critical situations.

South Dakota enters the playoffs positioned for a potential top-six seed, which would provide a first-round bye and home-field advantage in the second round. Their challenging schedule and impressive victories over quality opponents throughout the season bolster their case for favorable positioning. The Coyotes' balanced approach and offensive firepower make them dangerous in the postseason, with their championship aspirations remaining firmly intact despite this late-season setback.

Championship Contenders

6. Incarnate Word Cardinals (10-2, 7-0 Southland) [Previous: 6]

Incarnate Word completed a perfect Southland Conference campaign with a dominant 52-24 victory over Northwestern State, securing the outright conference championship while extending their winning streak to six games. The Cardinals' offense was virtually unstoppable, amassing 631 total yards while scoring touchdowns on seven of their first nine possessions. The comprehensive victory solidifies UIW's position as one of the most dangerous offensive teams in the FCS heading into the playoffs.

Head coach Clint Killough's program has demonstrated remarkable consistency in conference play, having outscored Southland opponents by an average margin of 40.7 to 22.6 points per game. Quarterback Zach Calzada continued his outstanding season with 405 passing yards and five touchdowns, highlighting the explosive attack that has been the Cardinals' hallmark. Defensively, UIW showed continued improvement, generating multiple turnovers while limiting Northwestern State's offensive effectiveness.

Incarnate Word enters the playoffs positioned for a potential top-eight seed, which would provide a first-round bye and home-field advantage in the second round. Their offensive firepower—averaging 41.8 points per game—makes them one of the most feared teams in the bracket regardless of seeding. The Cardinals' balanced approach and championship experience from previous playoff runs make them legitimate contenders for a deep postseason run.

7. Richmond Spiders (10-2, 7-0 CAA) [Previous: 9]

Richmond completed a perfect Colonial Athletic Association campaign with a thrilling 24-23 victory over William & Mary, securing the outright conference championship while extending their winning streak to ten games. The Spiders demonstrated championship resilience, overcoming an early deficit and surviving a missed William & Mary field goal in the final seconds. The hard-fought victory solidifies Richmond's position as one of the most complete teams in the FCS heading into the playoffs.

Head coach Russ Huesman's program has orchestrated a remarkable turnaround, rebounding from an 0-2 start to win ten consecutive games and secure the CAA's automatic bid. Their defense, which has been the team's foundation throughout the season, limited William & Mary to just 95 rushing yards while generating consistent pressure. Offensively, the Spiders maintained their balanced approach behind quarterback Kyle Wickersham's steady leadership and running back Savon Smith's consistent production.

Richmond enters the playoffs positioned for a potential top-eight seed, which would provide a first-round bye and home-field advantage in the second round. Their perfect conference record in the competitive CAA showcases their ability to execute in pressure situations against quality opposition. The Spiders' balanced approach and championship resilience make them legitimate contenders for a deep playoff run, with their defense providing the foundation for their title aspirations.

8. Mercer Bears (9-3, 6-2 SoCon) [Previous: 7]

Mercer concluded its regular season with a disappointing 41-14 defeat to Furman, suffering an unexpected setback after previously securing the Southern Conference championship and automatic playoff bid. The Bears struggled to establish offensive consistency against a motivated Paladins defense, generating just 267 total yards while converting only 3-of-13 third-down opportunities. Despite the defeat, Mercer's overall body of work—including an 8-1 stretch during the middle of the season—keeps them firmly positioned as championship contenders heading into the playoffs.

Head coach Mike Jacobs' program demonstrated concerning inconsistency in their regular-season finale, failing to build momentum before the postseason. Their defense, which had been the team's strength throughout much of the season, surrendered 464 total yards to Furman while struggling to contain the Paladins' balanced attack. Offensively, the Bears were limited to their lowest point total since early September, raising questions about their execution against quality opposition.

Mercer enters the playoffs positioned for a potential top-12 seed, which would provide home-field advantage in the first round despite this late-season setback. Their conference championship and impressive overall resume still support their case for favorable positioning. The Bears' balanced approach and earlier dominance make them dangerous in the postseason, though they'll need to address the concerns raised by this performance to make a deep playoff run.

9. Idaho Vandals (9-3, 6-2 Big Sky) [Previous: 8]

Idaho concluded its regular season with a dominant 38-10 victory over Eastern Washington, securing another impressive conference win while solidifying their playoff positioning. The Vandals were relentless on both sides of the ball, limiting Eastern Washington to just 237 total yards while their offense amassed over 450 total yards. The comprehensive victory establishes Idaho as one of the Big Sky's elite programs heading into the postseason.

Head coach Jason Eck's program has demonstrated remarkable consistency throughout the season, with their only losses coming against Washington State (FBS), Montana State, and Sacramento State. Their defense, which has been the team's foundation, limited Eastern Washington to just 59 rushing yards while generating consistent pressure. Offensively, the Vandals maintained their balanced approach behind quarterback Jack Layne's steady leadership and running back Elisha Cummings's consistent production.

Idaho enters the playoffs positioned for a potential top-12 seed, which would provide home-field advantage in the first round. Their challenging schedule and impressive victories over quality opponents throughout the season bolster their case for favorable positioning. The Vandals' physical approach and defensive excellence make them dangerous in the postseason, with their championship aspirations remaining firmly intact heading into the bracket.

10. Montana Grizzlies (9-3, 5-2 Big Sky) [Previous: 10]

Montana secured perhaps its most significant victory of the season, stunning previously undefeated Montana State 30-27 in the 123rd Brawl of the Wild. The Grizzlies built a 27-13 fourth-quarter lead before withstanding a furious Bobcats comeback, ultimately securing the victory on junior kicker Nico Ramos's 44-yard field goal as time expired. The emotional triumph significantly enhances Montana's playoff positioning while providing tremendous momentum heading into the postseason.

Head coach Bobby Hauck's program demonstrated championship-level execution in the rivalry showdown, amassing 423 total yards against Montana State's typically stingy defense. Quarterback Clifton McDowell delivered a poised performance, passing for 251 yards and two touchdowns while adding 72 rushing yards. Defensively, the Grizzlies generated consistent pressure on Bobcats quarterback Tommy Mellott while limiting big plays for much of the contest.

Montana enters the playoffs positioned for a potential top-12 seed, which would provide home-field advantage in the first round. Their signature victory over Montana State, coupled with their impressive win over Idaho earlier in the season, showcases their ability to compete with the subdivision's elite programs. The Grizzlies' balanced approach and championship pedigree make them dangerous in the postseason, with this rivalry victory potentially serving as the catalyst for a deep playoff run.

Playoff Contenders

11. Illinois State Redbirds (9-3, 6-2 MVFC) [Previous: 15]

Illinois State concluded its regular season with a dominant 38-14 victory over Southern Illinois, extending their winning streak to five games while finishing third in the competitive Missouri Valley Football Conference standings. The Redbirds demonstrated impressive balance on both sides of the ball, limiting Southern Illinois to just 265 total yards while their offense amassed over 400 total yards. The comprehensive victory solidifies Illinois State's position as one of the most dangerous teams entering the playoffs.

Head coach Brock Spack's program has orchestrated a remarkable late-season surge, rebounding from early challenges to position themselves for favorable playoff seeding. Their defense, which has been the team's foundation throughout the season, limited Southern Illinois to just 85 rushing yards while generating multiple turnovers. Offensively, the Redbirds maintained their balanced approach behind quarterback Tommy Rittenhouse's steady leadership and a diverse rushing attack that controlled the tempo.

Illinois State enters the playoffs positioned for a potential top-16 seed, which would provide home-field advantage in the first round. Their impressive conference performance in the nation's toughest FCS league—with their only losses coming against North Dakota State, South Dakota State, and South Dakota—showcases their ability to compete with the subdivision's elite programs. The Redbirds' physical approach and defensive excellence make them a team few opponents would choose to face in the opening rounds.

12. Abilene Christian Wildcats (9-3, 7-1 UAC) [Previous: 11]

Abilene Christian concluded its historic season with a 27-24 victory over Stephen F. Austin, extending their winning streak to four games while completing an impressive 7-1 conference campaign. The Wildcats, who had already secured the United Athletic Conference's automatic bid to the playoffs, demonstrated impressive resilience in a back-and-forth contest. Quarterback Maverick McIvor continued his outstanding season with multiple touchdown passes, while the defense made critical stops in the fourth quarter to preserve the victory.

Head coach Keith Patterson has orchestrated a remarkable turnaround in his second season, transforming ACU from a middle-tier program into conference champions. Their balanced offensive approach has been effective throughout the season, with McIvor's steady leadership providing the perfect complement to an improving ground game. Defensively, the Wildcats have shown significant improvement throughout the season, particularly against the run.

Abilene Christian enters the playoffs positioned for a potential top-16 seed, which would provide home-field advantage in the first round. Their conference championship and victories over Central Arkansas and Tarleton State showcase their ability to execute in pressure situations against quality opposition. The Wildcats' balanced approach and momentum make them dangerous in the postseason, with their historic automatic qualification representing just the beginning of their championship aspirations.

13. Rhode Island Rams (10-2, 6-2 CAA) [Previous: 14]

Rhode Island concluded its impressive regular season with a 45-17 victory over Maine, securing a program-record tenth win while positioning themselves favorably for the playoffs. The Rams demonstrated remarkable offensive efficiency, amassing over 500 total yards while scoring touchdowns on six of their first eight possessions. The comprehensive victory solidifies Rhode Island's position as one of the most complete teams entering the postseason despite falling short of the Colonial Athletic Association's automatic bid.

Head coach Jim Fleming's program has demonstrated remarkable consistency throughout the season, with their only losses coming against Delaware, which is ineligible for the playoffs due to their transition to FBS, and conference champion Richmond. Their offense has been particularly impressive, averaging 34.8 points per game behind a balanced attack that provides multiple ways to challenge defenses. Defensively, the Rams have been opportunistic, generating consistent pressure while creating timely turnovers.

Rhode Island enters the playoffs positioned for a potential top-16 seed, which would provide home-field advantage in the first round. Their impressive overall record and strong performance in the competitive CAA showcase their ability to compete at a high level. The Rams' balanced approach and offensive firepower make them dangerous in the postseason, with the potential to make a deep run in their first playoff appearance since 1985.

14. Northern Arizona Lumberjacks (9-3, 6-2 Big Sky) [Previous: 24]

Northern Arizona concluded its remarkable regular season with a 38-21 victory over Sacramento State, extending their winning streak to seven games while securing their ninth victory overall. The Lumberjacks demonstrated impressive offensive balance throughout the contest, amassing 456 total yards while converting 9-of-14 third-down opportunities. The comprehensive victory solidifies Northern Arizona's position as one of the hottest teams entering the playoffs and likely secures their at-large bid.

Head coach Brian Wright has orchestrated one of the most impressive turnarounds in the FCS, transforming the Lumberjacks from a 2-4 team in early October to a legitimate playoff contender. Their offense has found consistent rhythm behind quarterback Ty Pennington's steady leadership, while their defense has shown remarkable improvement throughout the season. The seven-game winning streak to close the regular season represents the program's longest since 2003.

Northern Arizona enters the playoffs positioned for a potential top-16 seed, which would provide home-field advantage in the first round. Their impressive winning streak and strong performance in the competitive Big Sky showcase their ability to execute at a high level. The Lumberjacks' balanced approach and momentum make them one of the most dangerous teams in the bracket regardless of seeding, with few opponents eager to face them in the opening rounds.

15. Tarleton State Texans (9-3, 5-2 UAC) [Previous: 13]

Tarleton State concluded its regular season with a 28-17 victory over Central Arkansas, securing their ninth win while solidifying their at-large playoff positioning. The Texans demonstrated impressive offensive balance throughout the contest, with quarterback Victor Gabalis delivering another efficient performance while their ground game provided consistent production. The victory represents an important bounce-back after their heartbreaking defeat to Abilene Christian the previous week.

Head coach Todd Whitten's program has established itself as one of the most consistent in the United Athletic Conference, with their only FCS losses coming against conference champion Abilene Christian and emerging contender Eastern Kentucky. Their offense has been particularly impressive, averaging 32.4 points per game behind Gabalis's steady leadership. Defensively, the Texans have shown significant improvement throughout the season, particularly against the run.

Tarleton State enters the playoffs positioned for a potential at-large bid, with their nine victories and strong overall resume supporting their case. Their balanced approach and offensive firepower make them dangerous in the postseason, with the potential to challenge higher-seeded opponents in the opening rounds. The Texans' late-season execution provides momentum heading into their first-ever FCS playoff appearance.

16. Eastern Kentucky Colonels (9-3, 5-2 UAC) [Previous: 16]

Eastern Kentucky concluded its impressive regular season with a 35-21 victory over Southern Utah, securing their ninth win while making a compelling final statement for an at-large playoff bid. The Colonels demonstrated remarkable offensive balance throughout the contest, amassing over 450 total yards while controlling the tempo behind an effective ground game. The victory extends Eastern Kentucky's winning streak to five games and positions them favorably heading into Selection Sunday.

Head coach Walt Wells has orchestrated one of the most impressive turnarounds in the FCS, transforming the Colonels from a five-win team last season into legitimate playoff contenders. Their offense has found consistent rhythm behind quarterback Parker McKinney's steady leadership, while their defense has shown remarkable improvement throughout the season. Their signature victories over Central Arkansas and Tarleton State showcase their ability to compete with the UAC's elite programs.

Eastern Kentucky enters Selection Sunday positioned for a potential at-large bid, with their nine victories and strong overall resume supporting their case. Their balanced approach and late-season momentum make them dangerous in the postseason, with the potential to challenge higher-seeded opponents in the opening rounds. The Colonels' five-game winning streak to close the regular season provides confidence heading into their potential playoff opportunity.

17. Duquesne Dukes (9-2, 6-0 NEC) [Previous: 22]

Duquesne secured the Northeast Conference championship with a thrilling 28-24 victory over Sacred Heart, completing a perfect conference campaign while clinching the league's automatic bid to the FCS playoffs. The Dukes demonstrated championship resilience, overcoming an early deficit before their defense made critical stops in the fourth quarter to preserve the victory. The hard-fought triumph represents Duquesne's first NEC title since 2018 and completes their remarkable season-long journey.

Head coach Jerry Schmitt's program has demonstrated remarkable consistency throughout the season, with their only losses coming against FBS Pittsburgh and Youngstown State. Their defense, which has been the team's foundation all season, limited Sacred Heart to just 94 rushing yards while generating multiple turnovers. Offensively, the Dukes maintained their balanced approach behind quarterback Darius Perrantes's steady leadership and a diverse rushing attack.

Duquesne enters the playoffs as the NEC's automatic qualifier, with the potential to receive a home game depending on the committee's overall bracket construction. Their perfect conference record and eight-game winning streak showcase their ability to execute at a high level. The Dukes' balanced approach and defensive excellence make them dangerous in the postseason, with the potential to challenge higher-seeded opponents in the opening rounds.

18. Delaware State Hornets (9-3, 5-0 MEAC) [Previous: Unranked]

Delaware State enters our rankings following its 22-17 victory over Howard in the season finale, securing the Mid-Eastern Athletic Conference championship while completing a perfect conference campaign. The Hornets demonstrated championship resilience in a back-and-forth contest, with their defense making critical stops in the fourth quarter to preserve the victory. The hard-fought triumph represents Delaware State's first MEAC title since 2007 and completes their remarkable season-long journey.

Head coach Lee Hull has orchestrated one of the most impressive turnarounds in HBCU football, transforming the Hornets from a two-win team last season into conference champions. Their defense, which has been the team's foundation all season, limited Howard to just 87 rushing yards while generating multiple turnovers. Offensively, the Hornets maintained their balanced approach behind quarterback Marqui Adams's steady leadership and a diverse rushing attack.

Delaware State advances to the Celebration Bowl to face SWAC champion Florida A&M, with the opportunity to secure the program's first Black College Football National Championship. Their perfect conference record and eight-game winning streak showcase their ability to execute at a high level. The Hornets' balanced approach and defensive excellence make them compelling representatives for the MEAC in the showcase event.

19. Villanova Wildcats (9-3, 6-2 CAA) [Previous: 16]

Villanova concluded its regular season with a 42-21 victory over Campbell, rebounding from their surprising defeat to Monmouth while solidifying their at-large playoff positioning. The Wildcats demonstrated impressive offensive balance throughout the contest, amassing over 500 total yards while scoring touchdowns on six of their first eight possessions. The comprehensive victory ensures Villanova enters the playoffs with positive momentum despite falling short of the Colonial Athletic Association's automatic bid.

Head coach Mark Ferrante's program has demonstrated remarkable consistency throughout much of the season, with their only losses coming against FBS UCF, conference champion Richmond, and a surprising setback against Monmouth. Their offense has been particularly impressive, averaging 35.2 points per game behind quarterback Connor Watkins's steady leadership and a diverse rushing attack. Defensively, the Wildcats have been opportunistic despite occasional vulnerabilities.

Villanova enters the playoffs positioned for a potential at-large bid, with their nine victories and strong overall resume supporting their case. Their balanced approach and offensive firepower make them dangerous in the postseason, with the potential to challenge higher-seeded opponents in the opening rounds. The Wildcats' championship experience from previous playoff runs provides valuable perspective heading into the bracket.

20. Stony Brook Seawolves (9-3, 6-2 CAA) [Previous: 17]

Stony Brook concluded its impressive regular season with a 24-14 victory over Delaware, securing their ninth win while making a compelling final statement for an at-large playoff bid. The Seawolves demonstrated remarkable defensive prowess throughout the contest, limiting the Blue Hens to just 265 total yards while generating multiple turnovers. The victory represents an important bounce-back after their heartbreaking defeat to New Hampshire the previous week.

Head coach Chuck Priore's program has orchestrated one of the most impressive turnarounds in the FCS, transforming the Seawolves from a three-win team last season into legitimate playoff contenders. Their defense has been particularly impressive, allowing just 18.6 points per game while generating consistent pressure and creating timely turnovers. Offensively, Stony Brook has found consistent rhythm behind quarterback Tyler Ridder's steady leadership and a physical rushing attack.

Stony Brook enters Selection Sunday positioned for a potential at-large bid, with their nine victories and strong performance in the competitive Colonial Athletic Association supporting their case. Their balanced approach and defensive excellence make them dangerous in the postseason, with the potential to challenge higher-seeded opponents in the opening rounds. The Seawolves' remarkable journey from conference afterthought to playoff contender represents one of the most compelling storylines of the season.

Final Top 25 Spots

21. Harvard Crimson (9-1, 6-0 Ivy) [Previous: 18]

Harvard secured the outright Ivy League championship with a 35-28 victory over Yale in the 140th playing of "The Game," completing a perfect conference campaign while extending their winning streak to eight games. The Crimson demonstrated championship resilience in a back-and-forth contest, with quarterback Charles DePrima accounting for four total touchdowns while their defense made critical stops in the fourth quarter to preserve the victory. The hard-fought triumph represents Harvard's first outright Ivy title since 2015.

Head coach Andrew Aurich has orchestrated a remarkable debut season, leading the Crimson to a 9-1 record with their only loss coming against Holy Cross in the season opener. Their balanced offensive approach has been effective throughout the season, averaging 35.6 points per game behind DePrima's steady leadership. Defensively, Harvard has been opportunistic, generating consistent pressure while creating timely turnovers.

While Ivy League programs don't participate in the FCS playoffs, Harvard has firmly established itself as one of the subdivision's elite teams. Their perfect conference record and dominant performance throughout Ivy play showcase their ability to execute at a high level. The Crimson's balanced approach and championship pedigree make them worthy of their national ranking despite their postseason absence.

22. Florida A&M Rattlers (10-2, 7-1 SWAC) [Previous: Unranked]

Florida A&M enters our rankings following its 26-13 victory over Bethune-Cookman in the Florida Classic, securing the Southwestern Athletic Conference East Division title while positioning themselves for the conference championship game. The Rattlers demonstrated impressive defensive prowess throughout the contest, limiting Bethune-Cookman to just 238 total yards while generating multiple turnovers. The victory extends Florida A&M's winning streak to seven games heading into their championship opportunity.

Head coach James Colzie III has orchestrated a remarkable debut season, leading the Rattlers to a 10-2 record with their only losses coming early in the season against South Florida (FBS) and Jackson State. Their defense has been particularly impressive, allowing just 14.1 points per game while generating consistent pressure and creating timely turnovers. Offensively, Florida A&M has found consistent rhythm behind quarterback Junior Muratovic's steady leadership and a physical rushing attack.

Florida A&M advances to the SWAC Championship Game against Prairie View A&M, with the opportunity to secure the conference's bid to the Celebration Bowl against MEAC champion Delaware State. Their impressive winning streak and dominant defensive performance showcase their ability to execute at a high level. The Rattlers' balanced approach and defensive excellence make them compelling representatives for the SWAC in the championship game.

23. Jackson State Tigers (10-2, 7-1 SWAC) [Previous: 23]

Jackson State concluded its impressive regular season with a 28-14 victory over Alcorn State in the Soul Bowl, securing their tenth win while narrowly missing the SWAC Championship Game on tiebreakers. The Tigers demonstrated impressive offensive balance throughout the contest, with quarterback JaCobian Morgan accounting for three total touchdowns while their defense limited Alcorn State to just 245 total yards. The victory extends Jackson State's winning streak to eight games and positions them favorably in the final rankings.

Head coach T.C. Taylor has built upon the foundation established during the Deion Sanders era, leading the Tigers to a 10-2 record with their only losses coming early in the season against Florida A&M and Tennessee State. Their defense has been particularly impressive, allowing just 15.3 points per game while generating consistent pressure and creating timely turnovers. Offensively, Jackson State has found consistent rhythm behind Morgan's steady leadership and a diverse rushing attack.

While falling short of the SWAC Championship Game on tiebreakers, Jackson State has firmly established itself as one of the subdivision's elite teams. Their impressive winning streak and dominant performance throughout most of conference play showcase their ability to execute at a high level. The Tigers' balanced approach and defensive excellence make them worthy of their national ranking despite their postseason absence.

24. Prairie View A&M Panthers (8-3, 6-2 SWAC) [Previous: Unranked]

Prairie View A&M enters our rankings following its 31-21 victory over rival Texas Southern in the Labor Day Classic, securing the Southwestern Athletic Conference West Division title while positioning themselves for the conference championship game. The Panthers demonstrated impressive offensive balance throughout the contest, amassing over 400 total yards while their defense generated multiple turnovers in critical moments. The victory extends Prairie View's winning streak to five games heading into their championship opportunity.

Head coach Bubba McDowell has orchestrated a remarkable season, leading the Panthers to an 8-3 record with their only losses coming against McNeese, Texas Southern (which they avenged in the regular-season finale), and FBS Texas State. Their offense has been particularly impressive, averaging 31.8 points per game behind quarterback Trazon Connley's steady leadership and a diverse rushing attack. Defensively, Prairie View has been opportunistic, generating consistent pressure while creating timely turnovers.

Prairie View A&M advances to the SWAC Championship Game against Florida A&M, with the opportunity to secure the conference's bid to the Celebration Bowl against MEAC champion Delaware State. Their impressive winning streak and balanced performance showcase their ability to execute at a high level. The Panthers' offensive firepower and improved defensive execution make them compelling representatives for the SWAC in the championship game.

25. UT Martin Skyhawks (8-4, 6-2 Big South-OVC) [Previous: Unranked]

UT Martin returns to our rankings following its 41-17 victory over Eastern Illinois, securing their eighth win while making a compelling final statement for an at-large playoff bid. The Skyhawks demonstrated impressive offensive balance throughout the contest, amassing over 450 total yards while their defense limited Eastern Illinois to just 265 total yards. The comprehensive victory represents an important bounce-back after their surprising defeat to Tennessee Tech the previous week.

Head coach Jason Simpson's program has demonstrated remarkable consistency throughout much of the season, with their conference losses coming against ineligible Jacksonville State and a surprising setback against Tennessee Tech. Their offense has been particularly impressive, averaging 32.7 points per game behind quarterback Kinkead Dent's steady leadership and a diverse rushing attack. Defensively, the Skyhawks have been opportunistic, generating consistent pressure while creating timely turnovers.

UT Martin enters Selection Sunday positioned on the playoff bubble, with their eight victories and strong performance in the Big South-OVC supporting their case. Their balanced approach and offensive firepower make them dangerous in the postseason, with the potential to challenge higher-seeded opponents should they receive a bid. The Skyhawks' experience from previous playoff appearances provides valuable perspective heading into the selection process.

Playoff Picture: Final Automatic Qualifiers

The final weekend of regular season action provided clarity across the FCS landscape, with seven teams officially securing automatic bids to the 24-team playoff field. North Dakota State completed a perfect Missouri Valley Football Conference campaign with their victory over South Dakota, securing the league's automatic bid while positioning themselves for the top overall seed. Montana State and UC Davis shared the Big Sky championship, with the Bobcats earning the conference's automatic bid through tiebreakers despite their rivalry loss to Montana.

Richmond completed a perfect Colonial Athletic Association schedule with their thrilling victory over William & Mary, securing the conference's automatic bid and capping a remarkable turnaround from their 0-2 start. Incarnate Word dominated Northwestern State to complete their perfect Southland Conference campaign, while Abilene Christian had already secured the United Athletic Conference's automatic bid the previous week. Duquesne claimed the Northeast Conference championship with their victory over Sacred Heart, completing a perfect conference run.

Mercer had previously secured the Southern Conference's automatic bid despite their disappointing regular-season finale against Furman. Southeast Missouri and UT Martin shared the Big South-OVC championship, with the Redhawks earning the conference's automatic bid through tiebreakers. Delaware State claimed the MEAC championship and Celebration Bowl berth with their victory over Howard, while Florida A&M and Prairie View A&M advanced to the SWAC Championship Game to determine their conference's Celebration Bowl representative.

Seed Watch: The Final Projection

The race for the crucial playoff seeds has reached its conclusion, with the FCS Selection Committee facing several intriguing decisions following Montana's upset of previously undefeated Montana State. North Dakota State appears firmly positioned for the top overall seed after completing a perfect conference campaign in the nation's toughest FCS conference. South Dakota State likely secured a top-three seed with their dominant victory over Indiana State, with their championship pedigree and impressive late-season surge supporting their case.

Montana State remains positioned for a top-four seed despite their rivalry loss, with their overall body of work—including a head-to-head victory over UC Davis—likely outweighing their late-season stumble. UC Davis secured a top-five position with their dominant victory over Sacramento State, with their impressive 10-2 record and share of the Big Sky championship providing compelling evidence for their seeding case.

South Dakota, despite falling short against North Dakota State, appears positioned for a top-eight seed given their impressive performance in the challenging MVFC. Incarnate Word, Richmond, and Mercer round out the likely top-eight seeds, which would provide first-round byes and home-field advantage in the second round. The expansion to 24 teams for this year's playoff bracket has created 16 seeded positions overall, with Idaho, Montana, Illinois State, and Rhode Island among the programs competing for valuable home-field advantage in the first round.

Conference Power Rankings

1. Missouri Valley Football Conference (ELO: 1419) - The MVFC completed another dominant regular season, with North Dakota State securing the outright championship while South Dakota State, South Dakota, and Illinois State all positioned themselves for favorable playoff seeding. The conference's remarkable depth has been its hallmark, with multiple programs capable of making deep playoff runs. North Dakota State's victory over South Dakota in the de facto conference championship game demonstrated the league's compelling top-end competition.
   
   
   

2. Big Sky Conference (ELO: 1398) - The Big Sky concluded its regular season with Montana's stunning upset of previously undefeated Montana State, creating a shared championship between the Bobcats and UC Davis. Idaho's consistent excellence, Northern Arizona's remarkable winning streak, and Montana's championship pedigree provide impressive depth, with multiple programs positioned for playoff consideration. The conference's competitive balance has been apparent throughout the season, with several programs capable of challenging for the national championship.
   
   
   

3. Colonial Athletic Association (ELO: 1393) - The CAA completed its regular season with Richmond securing the outright championship and automatic bid with their thrilling victory over William & Mary. Rhode Island, Villanova, and Stony Brook all positioned themselves for at-large consideration with strong regular-season finales, showcasing the conference's impressive depth. The CAA's competitive balance has been apparent throughout the season, with multiple programs demonstrating the ability to compete at a high level against quality competition.
   
   
   

4. United Athletic Conference (ELO: 1376) - The UAC concluded its inaugural season with Abilene Christian securing the conference championship and automatic bid, while Tarleton State and Eastern Kentucky positioned themselves for at-large consideration with strong regular-season finales. The conference's immediate national relevance has exceeded expectations, with multiple programs demonstrating the ability to compete at a high level against quality competition. The UAC's emergence as a multi-bid conference in its first season represents a significant achievement.
   
   
   

5. Southern Conference (ELO: 1369) - The SoCon completed its regular season with Mercer already having secured the conference championship and automatic bid despite their disappointing finale against Furman. The conference's depth was apparent throughout the season, though its lack of consistent top-end strength likely limits it to a single playoff representative. Mercer's overall excellence throughout much of the season makes them a dangerous opponent in the playoff bracket regardless of seeding.
   
   
   

Teams on the Bubble

1. Central Arkansas Bears (6-5, 3-4 UAC) - Central Arkansas suffered a disappointing 28-17 defeat to Tarleton State in their regular-season finale, likely ending their playoff hopes despite their early-season victory over FBS Arkansas State. The Bears' concerning late-season slide, with four losses in their final six games, undermines their case for at-large consideration. Their 3-4 conference record in the UAC would represent an unprecedented weakness for an at-large selection.
   
   
   

2. Southeast Missouri Redhawks (9-3, 5-2 Big South-OVC) - Southeast Missouri secured the Big South-OVC's automatic bid despite sharing the conference championship with UT Martin, earning the tiebreaker through the conference's predetermined criteria. The Redhawks' impressive nine victories and consistent excellence throughout the season make them a dangerous opponent in the playoff bracket regardless of seeding. Their balanced approach and experience from previous playoff appearances provide valuable perspective heading into the postseason.
   
   
   

3. Toledo State Tigers (8-4, 6-2 SWAC) - Toledo State concluded its impressive regular season with a 35-14 victory over Jackson State, securing their eighth win while narrowly missing the SWAC Championship Game on tiebreakers. The Tigers' remarkable improvement throughout the season makes them one of the most intriguing stories in HBCU football, though SWAC programs participate in the Celebration Bowl rather than the FCS playoffs. Their balanced approach and defensive excellence would make them worthy of consideration in an expanded playoff format.
   
   
   

4. Austin Peay Governors (7-4, 4-3 UAC) - Austin Peay concluded its season with a 31-24 victory over Southern Utah, securing their seventh win while falling short of serious at-large consideration. The Governors' inconsistent conference performance, with a 4-3 record in the UAC, undermines their case despite impressive non-conference victories. Their balanced approach and offensive firepower would make them dangerous in the postseason, but their resume likely falls short of the committee's standards for at-large selection.
   
   
   

5. New Hampshire Wildcats (7-4, 5-2 CAA) - New Hampshire concluded its season with a 28-21 victory over Maine in the Battle for the Brice-Cowell Musket, securing their seventh win while positioning themselves on the playoff bubble. The Wildcats' impressive late-season surge, including their comeback victory over Stony Brook, provides compelling evidence for their inclusion. However, their overall resume, including early-season stumbles, likely leaves them just short of the committee's standards for at-large selection.
   
   
   

Conclusion

The 2024 FCS regular season has reached its dramatic conclusion, with the final weekend providing both clarity and intrigue heading into Selection Sunday. Montana's stunning upset of previously undefeated Montana State represents the most significant result of Week 13, introducing unexpected chaos to the playoff seeding picture while showcasing the compelling nature of college football's most intense rivalries. North Dakota State secured its position as the favorite for the top overall seed with their victory over South Dakota, while Richmond completed a perfect Colonial Athletic Association campaign with their thrilling win over William & Mary.

The most significant developments centered around automatic qualifiers, with Duquesne securing the Northeast Conference's bid through their victory over Sacred Heart, while Delaware State claimed the MEAC championship and Celebration Bowl berth by defeating Howard. Florida A&M and Prairie View A&M advanced to the SWAC Championship Game, setting up a compelling matchup for the conference's Celebration Bowl representation. The final at-large positions remain hotly contested, with Eastern Kentucky, Northern Arizona, and UT Martin all making compelling final statements.

As attention turns to Selection Sunday, the FCS Selection Committee faces several intriguing decisions regarding seeding and at-large selections. North Dakota State, South Dakota State, Montana State, and UC Davis appear positioned for the top four seeds, while South Dakota, Incarnate Word, Richmond, and Mercer round out the likely top eight. The expansion to 24 teams for this year's playoff bracket has created additional opportunities for programs to secure postseason berths, setting the stage for a compelling championship tournament that will culminate with the national championship game in Frisco, Texas on January 5, 2025.