Updated April 2026 · FDIC Call Report Q2 2024
Banks Ranked by Tier 1 Capital Ratio
Top 100 U.S. banks ranked by tier 1 capital ratio — highest is best. The top 50 average 169.55% on this metric and a composite Bank Health Score of 91/100, sourced from the most recent FDIC quarterly Call Report.
What Tier 1 Capital Ratio Measures
Tier 1 capital ratio is the single most-watched bank safety metric in U.S. regulatory practice. It compares core equity capital — common stock, retained earnings, and disclosed reserves — to risk-weighted assets, the bank's loan and investment book scaled for credit risk. Federal regulators (FDIC, OCC, Federal Reserve) treat 8% as the threshold for "well-capitalized." Most healthy U.S. banks run materially above that line; community banks under the simplified Community Bank Leverage Ratio (CBLR) regime hold 9%+ on a leverage basis. The ratio is reported in field RBCT1J on the quarterly FFIEC Call Report.
Federal regulators — the FDIC, the OCC, and the Federal Reserve — use this metric (and several others) as part of confidential CAMELS examinations, with the public quarterly Call Report data feeding into supervisory analysis. We use the same public input here, applied with a transparent formula across every FDIC-insured institution.
How to Read the Numbers
How to read this number: above 13% is generally fortress-strong, 10–13% is solid, 8–10% meets the regulatory floor, and under 8% triggers regulatory action. Trend matters as much as level — a bank growing capital quarter-over-quarter is on a different trajectory than one watching it decline. Big quarter-to-quarter moves usually trace to either a large dividend, a buyback, or a loan-loss provision; check the Call Report footnotes.
Top Banks by Tier 1 Capital Ratio
| # | Bank | Location | Grade | Score | Tier 1 Capital Ratio | Assets |
|---|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank Dearborn | Dearborn, Michigan | A | 100 | 507.89% | $67M |
| 2 | Young Americans Bank | Denver, Colorado | B | 72 | 490.55% | $17M |
| 3 | BMO Harris Central NA | Roselle, Illinois | A | 94 | 446.05% | $8M |
| 4 | Emigrant Mercantile Bank | New York, New York | A | 100 | 425.61% | $3M |
| 5 | Credit First National Assn | Brook Park, Ohio | A | 100 | 367.61% | $40M |
| 6 | Edward Jones Trust Co | Saint Louis, Missouri | A | 100 | 351.19% | $131M |
| 7 | Sei Private Trust Co | Oaks, Pennsylvania | A | 100 | 349.87% | $236M |
| 8 | Bank of Ny Mellon Tr Co NA | Los Angeles, California | A | 95 | 328.90% | $1.3B |
| 9 | Thrivent Trust Co | Appleton, Wisconsin | A | 100 | 288.00% | $16M |
| 10 | National Advisors Trust Co | Kansas City, Missouri | A | 100 | 280.61% | $21M |
| 11 | Wilmington Trust NA | Wilmington, Delaware | B | 77 | 268.47% | $699M |
| 12 | Nave Bank | San Juan, Puerto Rico | A | 90 | 234.18% | $187M |
| 13 | Generations Commercial Bank | Seneca Falls, New York | A | 98 | 226.87% | $19M |
| 14 | Fds Bank | Mason, Ohio | A | 100 | 221.69% | $106M |
| 15 | Cibc National Trust Co | Atlanta, Georgia | A | 100 | 216.31% | $354M |
| 16 | Comerica B&T NA | Ann Arbor, Michigan | A | 100 | 198.62% | $116M |
| 17 | Davidson Trust Co | Great Falls, Montana | A | 100 | 195.89% | $11M |
| 18 | Zenith Bank&Trust | Scottsdale, Arizona | A | 91 | 195.27% | $63M |
| 19 | Capital Bank&Trust Co | Irvine, California | A | 100 | 190.32% | $174M |
| 20 | Gs&L Municipal Bank | Gouverneur, New York | A | 100 | 152.56% | $31M |
| 21 | Square Finl Services INC | Salt Lake City, Utah | A | 87 | 147.87% | $816M |
| 22 | Bny Mellon Trust of Delaware | Wilmington, Delaware | B | 70 | 141.69% | $202M |
| 23 | Everence Trust Co | Goshen, Indiana | A | 100 | 138.45% | $14M |
| 24 | Fidelity State Bank&Trust Co | Dodge City, Kansas | A | 99 | 128.61% | $198M |
| 25 | Country Trust Bank | Bloomington, Illinois | A | 100 | 117.02% | $35M |
| 26 | Cbw Bank | Weir, Kansas | A | 95 | 100.27% | $83M |
| 27 | Cedar Hill National Bank | Charlotte, North Carolina | A | 100 | 96.96% | $15M |
| 28 | Community Unity Bank | Birmingham, Michigan | A | 89 | 96.45% | $49M |
| 29 | Nationwide Trust Co FSB | Columbus, Ohio | A | 100 | 95.00% | $152M |
| 30 | Beal Bank USA | Las Vegas, Nevada | B | 70 | 93.82% | $17.5B |
| 31 | Charles Schwab Trust Bank | Westlake, Texas | A | 100 | 92.79% | $9.5B |
| 32 | Champion Bank | Parker, Colorado | B | 73 | 91.00% | $46M |
| 33 | Old Glory Bank | Elmore City, Oklahoma | C | 64 | 84.87% | $140M |
| 34 | Applied Bank | Wilmington, Delaware | A | 100 | 78.80% | $218M |
| 35 | Brazos National Bank | Richwood, Texas | C | 63 | 76.40% | $32M |
| 36 | First Nb of Mertzon | Mertzon, Texas | A | 99 | 75.85% | $506M |
| 37 | Bank of Jackson Hole Trust | Jackson, Wyoming | A | 98 | 72.85% | $41M |
| 38 | Mutual Savings&Loan Assn | Metairie, Louisiana | B | 66 | 72.59% | $36M |
| 39 | Beal Bank | Plano, Texas | B | 70 | 70.47% | $4.8B |
| 40 | Latimer State Bank | Wilburton, Oklahoma | A | 96 | 68.29% | $67M |
| 41 | Lifesteps Bank&Trust | Union Springs, Alabama | B | 72 | 64.64% | $61M |
| 42 | Zavala County Bank | Crystal City, Texas | A | 100 | 63.42% | $77M |
| 43 | First Electronic Bank | Salt Lake City, Utah | A | 100 | 62.24% | $429M |
| 44 | Marshall County State Bank | Newfolden, Minnesota | A | 99 | 60.71% | $40M |
| 45 | North Cambridge Coop Bank | Cambridge, Massachusetts | A | 96 | 59.82% | $83M |
| 46 | Sewickley Savings Bank | Sewickley, Pennsylvania | A | 96 | 59.08% | $281M |
| 47 | Boston Trust Walden Co | Boston, Massachusetts | A | 96 | 59.06% | $92M |
| 48 | California Pacific Bank | San Francisco, California | B | 67 | 57.63% | $91M |
| 49 | Citizens Fs&La | Covington, Kentucky | A | 83 | 57.44% | $41M |
| 50 | Alpine Capital Bank | New York, New York | A | 100 | 57.19% | $194M |
| 51 | Charles Schwab Premier Bk Ss | Westlake, Texas | A | 96 | 56.34% | $25.5B |
| 52 | Pioneer Commercial Bank | Albany, New York | A | 99 | 56.09% | $494M |
| 53 | Jackson Fs&La | Jackson, Minnesota | A | 89 | 56.03% | $28M |
| 54 | Farmers State Bank of Emden | Emden, Illinois | A | 97 | 55.89% | $38M |
| 55 | Donley County State Bank | Clarendon, Texas | A | 94 | 54.42% | $46M |
| 56 | First Nb of Mcintosh | Mcintosh, Minnesota | A | 98 | 53.94% | $37M |
| 57 | Walton State Bank | Walton, Kansas | B | 66 | 53.69% | $17M |
| 58 | First Savings&Loan Assn | Mebane, North Carolina | A | 86 | 53.61% | $58M |
| 59 | Jackson Savings Bank SSB | Sylva, North Carolina | A | 90 | 53.35% | $29M |
| 60 | Wells Fargo Bank S Cntl NA | Houston, Texas | A | 89 | 53.33% | $3.8B |
| 61 | Fulton Savings Bank | Fulton, New York | A | 96 | 53.03% | $464M |
| 62 | Northern Stb of Gonvick | Gonvick, Minnesota | A | 88 | 52.92% | $50M |
| 63 | Deutsche Bank Tr Co Americas | New York, New York | A | 94 | 52.76% | $40.6B |
| 64 | First Nb Northwest Florida | Panama City, Florida | A | 100 | 51.49% | $176M |
| 65 | Dearborn FSB | Dearborn, Michigan | A | 84 | 51.22% | $273M |
| 66 | Massmutual Trust Co | Windsor, Connecticut | A | 100 | 51.17% | $91M |
| 67 | Liberty Bank for Savings | Chicago, Illinois | A | 91 | 50.40% | $849M |
| 68 | Greene Cnty Commercial Bank | Catskill, New York | A | 94 | 49.50% | $1.1B |
| 69 | Catalyst Bank | Opelousas, Louisiana | A | 84 | 49.09% | $292M |
| 70 | Farmers Bldg&Svg Bank | Rochester, Pennsylvania | B | 77 | 48.92% | $114M |
| 71 | Huntingdon Savings Bank | Huntingdon, Pennsylvania | B | 71 | 48.16% | $17M |
| 72 | Milton Savings Bank | Milton, Pennsylvania | A | 90 | 48.02% | $76M |
| 73 | Midland Fs&La | Bridgeview, Illinois | B | 74 | 47.00% | $115M |
| 74 | Micronesia | Kolonia, Micronesia | A | 93 | 46.73% | $227M |
| 75 | First Nb of Hebbronville | Hebbronville, Texas | A | 91 | 45.97% | $83M |
| 76 | Stifel Trust Co Delaware NA | Greenville, Delaware | A | 100 | 45.70% | $284M |
| 77 | El Dorado Savings Bank FSB | Placerville, California | A | 95 | 45.64% | $2.4B |
| 78 | Integrity Bank for Business | Virginia Beach, Virginia | A | 90 | 44.62% | $91M |
| 79 | Homewood FSB | Baltimore, Maryland | A | 83 | 44.47% | $64M |
| 80 | State Bk of Canton Canton Ks | Canton, Kansas | A | 98 | 43.74% | $34M |
| 81 | First Nb of Lake Jackson | Lake Jackson, Texas | A | 90 | 43.55% | $236M |
| 82 | Hatboro Federal Savings Fa | Hatboro, Pennsylvania | A | 81 | 43.17% | $572M |
| 83 | Security State Bank of Oklee | Oklee, Minnesota | A | 99 | 42.35% | $44M |
| 84 | New Albin Savings Bank | New Albin, Iowa | A | 96 | 42.18% | $320M |
| 85 | Abbeville Bldg&L State-Chart | Abbeville, Louisiana | B | 71 | 42.11% | $59M |
| 86 | American Trust&Savings Bank | Lowden, Iowa | C | 61 | 41.93% | $31M |
| 87 | First Credit Bank | Los Angeles, California | A | 82 | 41.59% | $563M |
| 88 | Roxboro Savings Bank SSB | Roxboro, North Carolina | A | 95 | 41.37% | $328M |
| 89 | Peoples Nb of Checotah | Checotah, Oklahoma | A | 94 | 41.06% | $167M |
| 90 | Scottsburg Bldg&La | Scottsburg, Indiana | A | 92 | 40.28% | $77M |
| 91 | Sainte Marie State Bank | Sainte Marie, Illinois | A | 96 | 40.05% | $15M |
| 92 | Flat Branch Bank | Richmond, Missouri | A | 91 | 40.02% | $63M |
| 93 | Charles Schwab Bank SSB | Westlake, Texas | A | 93 | 39.89% | $273.8B |
| 94 | Pee Dee Federal Savings Bank | Marion, South Carolina | A | 96 | 39.84% | $38M |
| 95 | Austin Capital Bank SSB | Austin, Texas | B | 70 | 39.77% | $368M |
| 96 | Vermont State Bank | Vermont, Illinois | B | 65 | 39.59% | $25M |
| 97 | First State Bank of St Peter | Saint Peter, Illinois | A | 97 | 39.39% | $30M |
| 98 | Farmers&Merchants Bank of Sc | Holly Hill, South Carolina | A | 95 | 38.79% | $392M |
| 99 | Wells Fargo Nb West | Las Vegas, Nevada | A | 91 | 38.66% | $12.0B |
| 100 | California Intl Bank N A | Westminster, California | A | 86 | 38.65% | $58M |
Why This Metric Alone Isn't Enough
Tier 1 capital is the foundation, but it is not sufficient on its own. A bank with high capital but rising NPLs and shrinking liquidity can still face stress. Pair this ranking with the NPL ratio and liquidity ratio rankings to triangulate a fuller picture.
How These Ranks Are Calculated
We pull the most recent quarterly value of tier 1 capital ratio for every FDIC-insured bank from the FDIC BankFind API, sort by that single value, and surface the top 100. The composite Bank Health Score (also shown on this page) uses a four-factor formula across capital, credit, liquidity, and profitability — full details on the methodology page.
Frequently Asked Questions
What is tier 1 capital ratio?
Tier 1 capital ratio is the single most-watched bank safety metric in U.S. regulatory practice. It compares core equity capital — common stock, retained earnings, and disclosed reserves — to risk-weighted assets, the bank's loan and investment book scaled for credit risk. Federal regulators (FDIC, OCC, Federal Reserve) treat 8% as the threshold for "well-capitalized." Most healthy U.S. banks run materially above that line; community banks under the simplified Community Bank Leverage Ratio (CBLR) regime hold 9%+ on a leverage basis. The ratio is reported in field RBCT1J on the quarterly FFIEC Call Report.
How should I read this number?
How to read this number: above 13% is generally fortress-strong, 10–13% is solid, 8–10% meets the regulatory floor, and under 8% triggers regulatory action. Trend matters as much as level — a bank growing capital quarter-over-quarter is on a different trajectory than one watching it decline. Big quarter-to-quarter moves usually trace to either a large dividend, a buyback, or a loan-loss provision; check the Call Report footnotes.
What do the top-ranked banks have in common?
Among the top 50 banks on this list, the average tier 1 capital ratio is 169.55% and the average composite Bank Health Score is 91/100. Top performers tend to be conservatively run, well-capitalized, and concentrated in less volatile loan categories. Higher values on this metric usually correlate with stronger overall scores, but the correlation is imperfect — a bank can lead on one metric while lagging on another.
Should I switch banks based on this ranking alone?
No single metric tells the full story of bank safety. Tier 1 capital, NPL ratio, liquidity, and return on assets each measure different aspects of resilience. The composite Bank Health Score combines all four, weighted by how predictive each has historically been. Use this ranking to compare specific dimensions, but consult the full bank profile and the methodology page before drawing conclusions. And remember: FDIC insurance — not the bank's ranking — protects deposits up to $250,000 per depositor, per insured bank, per ownership category.
Where does this data come from?
Every value is pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Specific Call Report field codes used: RBCT1J (Tier 1 capital), NCLNLSR (NPL ratio), LIQR (liquidity), ROAPTX (return on assets). All FDIC and FFIEC data is U.S. government public domain.
Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.
Last updated 2026-04-06 · 100 banks ranked. Informational only; not investment advice.