Updated June 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 182.10% on this metric and a composite Bank Health Score of 96/100, 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 | Its Bank | Johnston, Iowa | A | 100 | 105.42% | $34M |
| 27 | First Finl Trust&Asset Mgnt | Abilene, Texas | A | 100 | 103.59% | $64M |
| 28 | Canandaigua Natl Tr Co of Fl | Sarasota, Florida | A | 100 | 102.39% | $5M |
| 29 | State Street B&T Co NA | New York, New York | A | 100 | 101.99% | $42M |
| 30 | Security National Trust Co | Wheeling, West Virginia | A | 100 | 101.17% | $8M |
| 31 | Trust Co of Toledo NA | Holland, Ohio | A | 100 | 100.58% | $7M |
| 32 | Fidelity Personal Tr Co FSB | Merrimack, New Hampshire | A | 100 | 100.50% | $84M |
| 33 | U S Bank Trust NA Sd | Sioux Falls, South Dakota | A | 100 | 100.48% | $158M |
| 34 | Wells Fargo de Tr Co NA | Wilmington, Delaware | A | 100 | 100.44% | $242M |
| 35 | State Street B&T Co of Ca NA | Irvine, California | A | 100 | 100.35% | $9M |
| 36 | Cbw Bank | Weir, Kansas | A | 95 | 100.27% | $83M |
| 37 | Key National Tr Co of De | Wilmington, Delaware | A | 100 | 100.26% | $8M |
| 38 | Umb Bank&Trust National Assn | Kansas City, Missouri | B | 68 | 100.03% | $3M |
| 39 | Inspire Trust Co NA | Reno, Nevada | A | 90 | 100.02% | $9M |
| 40 | Chicago Trust Co NA | Lake Forest, Illinois | A | 100 | 99.66% | $126M |
| 41 | Preferred Legacy Natl Tr Bk | Canton, Ohio | A | 90 | 99.63% | $9M |
| 42 | Bessemer Tr Co of Ca NA | San Francisco, California | A | 100 | 99.11% | $15M |
| 43 | Evercore Trust Co NA | New York, New York | A | 100 | 99.09% | $14M |
| 44 | U S Bank Trust National Assn | Wilmington, Delaware | A | 100 | 98.96% | $807M |
| 45 | HSBC Trust Co Delaware NA | Wilmington, Delaware | A | 100 | 97.38% | $58M |
| 46 | Synovus Trust Co NA | Columbus, Georgia | A | 100 | 96.98% | $144M |
| 47 | Cedar Hill National Bank | Charlotte, North Carolina | A | 100 | 96.96% | $15M |
| 48 | Western Alliance Trust Co NA | Phoenix, Arizona | A | 90 | 96.63% | $51M |
| 49 | Adp Trust Co National Assn | Wilmington, Delaware | A | 100 | 96.46% | $44M |
| 50 | Community Unity Bank | Birmingham, Michigan | A | 89 | 96.45% | $49M |
| 51 | Wells Fargo Trust Co NA | Ogden, Utah | A | 100 | 96.18% | $1.4B |
| 52 | Neuberger Berman Tr Co de NA | Wilmington, Delaware | B | 75 | 96.09% | $8M |
| 53 | Wheaton College Trust Co NA | Wheaton, Illinois | A | 100 | 95.88% | $4M |
| 54 | Deutsche Bank Tr Co Delaware | Newark, Delaware | A | 100 | 95.79% | $132M |
| 55 | Nationwide Trust Co FSB | Columbus, Ohio | A | 100 | 95.00% | $152M |
| 56 | Beal Bank USA | Las Vegas, Nevada | B | 70 | 93.82% | $17.5B |
| 57 | Deutsche Bank Trust Co NA | New York, New York | A | 100 | 93.38% | $157M |
| 58 | Citicorp Trust Delaware NA | New Castle, Delaware | A | 100 | 92.95% | $25M |
| 59 | Charles Schwab Trust Bank | Westlake, Texas | A | 100 | 92.79% | $9.5B |
| 60 | Private Trust Co NA | Cleveland, Ohio | A | 100 | 91.88% | $28M |
| 61 | First Community Trust NA | Dubuque, Iowa | A | 100 | 91.45% | $14M |
| 62 | Champion Bank | Parker, Colorado | B | 73 | 91.00% | $46M |
| 63 | Tiaa Trust National Assn | Charlotte, North Carolina | A | 100 | 89.83% | $250M |
| 64 | Rockefeller Trust Co NA | New York, New York | A | 100 | 89.63% | $15M |
| 65 | U S Bank Trust Co NA | Portland, Oregon | A | 100 | 89.18% | $2.2B |
| 66 | Nova Bank | Huntsville, Alabama | A | 90 | 89.03% | $31M |
| 67 | Old Point Trust&Finl Service | Newport News, Virginia | A | 100 | 88.48% | $7M |
| 68 | First Financial Trust NA | Wakefield, Massachusetts | A | 100 | 88.41% | $16M |
| 69 | Associated Trust Co NA | Milwaukee, Wisconsin | A | 100 | 88.08% | $82M |
| 70 | Members Trust Co | Tampa, Florida | A | 90 | 87.73% | $39M |
| 71 | Cetera Trust Co NA | St. Paul, Minnesota | A | 100 | 87.57% | $17M |
| 72 | New Covenant Trust Co NA | Jeffersonville, Indiana | A | 100 | 87.02% | $8M |
| 73 | Plante Moran Trust NA | Southfield, Michigan | A | 100 | 86.36% | $17M |
| 74 | Raymond James Trust NA | Saint Petersburg, Florida | A | 100 | 85.98% | $67M |
| 75 | Dayforce National Trust Bank | Bloomington, Minnesota | A | 100 | 85.35% | $17M |
| 76 | Dsrm National Bank | Albuquerque, New Mexico | A | 100 | 85.14% | $4M |
| 77 | Goldman Sachs Tr Co NA The | Wilmington, Delaware | A | 100 | 84.88% | $154M |
| 78 | Old Glory Bank | Elmore City, Oklahoma | C | 64 | 84.87% | $140M |
| 79 | First National Trust Co | Hermitage, Pennsylvania | A | 100 | 84.63% | $46M |
| 80 | Anchorage Digital Bank NA | Sioux Falls, South Dakota | A | 100 | 84.52% | $52M |
| 81 | Legacy Trust Co N A | Houston, Texas | A | 100 | 82.72% | $34M |
| 82 | Hightower Trust Co NA | Houston, Texas | A | 99 | 79.95% | $18M |
| 83 | Applied Bank | Wilmington, Delaware | A | 100 | 78.80% | $218M |
| 84 | Chilton Trust Co NA | Palm Beach, Florida | A | 100 | 76.45% | $28M |
| 85 | Brazos National Bank | Richwood, Texas | C | 63 | 76.40% | $32M |
| 86 | Bessemer Tr Co of Nevada NA | Las Vegas, Nevada | A | 90 | 76.18% | $12M |
| 87 | First Nb of Mertzon | Mertzon, Texas | A | 99 | 75.85% | $506M |
| 88 | Neuberger Berman Trust Co NA | New York, New York | B | 75 | 75.59% | $27M |
| 89 | Bank of Jackson Hole Trust | Jackson, Wyoming | A | 98 | 72.85% | $41M |
| 90 | Mutual Savings&Loan Assn | Metairie, Louisiana | B | 66 | 72.59% | $36M |
| 91 | Computershare Trust Co NA | Canton, Massachusetts | A | 100 | 71.29% | $1.1B |
| 92 | Bessemer Tr Co of de NA | Wilmington, Delaware | A | 100 | 71.15% | $32M |
| 93 | Beal Bank | Plano, Texas | B | 70 | 70.47% | $4.8B |
| 94 | Philadelphia Trust Co | Philadelphia, Pennsylvania | A | 100 | 70.06% | $25M |
| 95 | Latimer State Bank | Wilburton, Oklahoma | A | 96 | 68.29% | $67M |
| 96 | Blackrock Instl Tr Co NA | San Francisco, California | A | 85 | 66.06% | $4.5B |
| 97 | Lifesteps Bank&Trust | Union Springs, Alabama | B | 72 | 64.64% | $61M |
| 98 | Zavala County Bank | Crystal City, Texas | A | 100 | 63.42% | $77M |
| 99 | First Electronic Bank | Salt Lake City, Utah | A | 100 | 62.24% | $429M |
| 100 | Marshall County State Bank | Newfolden, Minnesota | A | 99 | 60.71% | $40M |
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 182.10% and the average composite Bank Health Score is 96/100. 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 2026-06-29 · 100 banks ranked. Informational only; not investment advice.