Updated April 2026 · FDIC Call Report Q2 2024

Large Banks

133 U.S. banks fit the large banks definition, holding $6.2T in combined assets. The cohort posts an average Bank Health Score of 79/100, with a Tier 1 capital ratio averaging 14.91% and an NPL ratio of 0.92%.

Mega Banks (13)Large Banks (133)Mid-Size Banks (785)Community Banks (2,406)Small Banks (623)

What Defines This Tier

Large banks — those with $10 billion to $250 billion in assets — are the regional and super-regional institutions that anchor most U.S. metro markets. They sit above the small-bank exemption thresholds, which means they face full Dodd-Frank stress testing, hold extensive capital buffers, and file detailed quarterly Call Reports. Their loan books skew toward commercial real estate, C&I lending, and residential mortgages, with a meaningful share of fee income from wealth management and treasury services.

Tier-Wide Snapshot

Banks in tier	133
Combined assets	$6.2T
Average Health Score	79/100
Average Tier 1 capital ratio	14.91%
Average NPL ratio	0.92%
A-graded banks	64 (48%)
D or F-graded banks	2 (2%)

Strengths and Risks in This Tier

Strengths in this tier: diversified loan portfolios across multiple metros, fee income from wealth and treasury services, regulatory infrastructure to manage complex risks, and sufficient scale to invest in technology and compliance.

Risks to watch: commercial real estate concentration (especially office), reliance on wholesale funding when deposit growth slows, and exposure to a single regional economy if the bank is geographically concentrated. Office CRE has been the dominant 2024–2026 stress signal in this tier.

For depositors: FDIC insurance — not the bank's health score — is what protects your deposits up to $250,000 per depositor, per insured bank, per ownership category. The Bank Health Score is a relative ranking of regulatory strength, not a guarantee of safety. Verify your coverage limits at FDIC.gov before changing where you bank.

Top Banks in Large Banks

#	Bank	Location	Grade	Score	Assets	Tier 1 Capital	NPL Ratio
1	Ameriprise Bank FSB	Minneapolis, Minnesota	A	99	$22.7B	34.51%	0.15%
2	Optum Bank INC	Draper, Utah	A	98	$17.1B	18.64%	0.29%
3	Citizens Business Bank	Ontario, California	A	97	$16.2B	15.13%	0.29%
4	Bancfirst	Oklahoma City, Oklahoma	A	97	$10.7B	14.71%	0.43%
5	Prosperity Bank	El Campo, Texas	A	96	$39.8B	15.35%	0.38%
6	Charles Schwab Premier Bk Ss	Westlake, Texas	A	96	$25.5B	56.34%	0.00%
7	Morgan Stanley Bank NA	Salt Lake City, Utah	A	95	$211.5B	22.19%	0.76%
8	Morgan Stanley Private Bk NA	Purchase, New York	A	95	$207.6B	26.91%	0.29%
9	Stifel Bank	Saint Louis, Missouri	A	94	$10.5B	13.11%	0.00%
10	Deutsche Bank Tr Co Americas	New York, New York	A	94	$40.6B	52.76%	0.70%
11	Firstbank Puerto Rico	Santurce, Puerto Rico	A	93	$18.9B	15.97%	1.16%
12	Central Trust Bank	Jefferson City, Missouri	A	92	$18.6B	12.50%	0.29%
13	Busey Bank	Champaign, Illinois	A	92	$11.9B	15.59%	0.11%
14	Cibc Bank USA	Chicago, Illinois	A	92	$55.9B	16.43%	1.37%
15	Customers Bank	Malvern, Pennsylvania	A	92	$21.0B	14.17%	0.49%
16	Bmw Bank of North America	Salt Lake City, Utah	A	92	$12.1B	15.20%	0.17%
17	Northern Trust Co	Chicago, Illinois	A	92	$156.3B	12.94%	0.28%
18	Wells Fargo Nb West	Las Vegas, Nevada	A	91	$12.0B	38.66%	0.83%
19	Frost Bank	San Antonio, Texas	A	91	$48.9B	13.56%	0.44%
20	UBS Bank USA	Salt Lake City, Utah	A	91	$109.6B	27.81%	0.08%
21	Tristate Capital Bank	Pittsburgh, Pennsylvania	A	91	$19.7B	16.48%	0.26%
22	First-Citizens Bank&Trust Co	Raleigh, North Carolina	A	89	$219.7B	13.67%	0.93%
23	Farmers&Merchants Bk Long Be	Long Beach, California	A	89	$12.2B	17.00%	0.83%
24	City National Bank	Los Angeles, California	A	89	$92.2B	14.94%	0.55%
25	First Hawaiian Bank	Honolulu, Hawaii	A	89	$24.0B	12.66%	0.15%
26	Bank of Hawaii	Honolulu, Hawaii	A	89	$23.3B	13.15%	0.15%
27	Eastern Bank	Boston, Massachusetts	A	89	$21.0B	17.78%	0.28%
28	Centennial Bank	Conway, Arkansas	A	88	$22.8B	13.71%	0.58%
29	Mechanics Bank	Walnut Creek, California	A	88	$17.3B	14.65%	0.16%
30	Wilmington Svg Fund Society	Wilmington, Delaware	A	88	$20.6B	13.07%	0.56%
31	Glacier Bank	Kalispell, Montana	A	88	$27.8B	12.69%	0.10%
32	Sallie Mae Bank	Salt Lake City, Utah	A	88	$28.7B	13.40%	0.81%
33	Fifth Third Bank NA	Cincinnati, Ohio	A	88	$212.5B	12.81%	0.66%
34	Nexbank	Dallas, Texas	A	87	$15.3B	13.70%	1.11%
35	Pacific Premier Bank	Irvine, California	A	87	$18.3B	17.97%	0.42%
36	HSBC Bank USA National Assn	Tysons, Virginia	A	87	$159.0B	16.29%	1.41%
37	Bny Mellon National Assn	Pittsburgh, Pennsylvania	A	87	$30.9B	13.31%	0.07%
38	Umb Bank National Assn	Kansas City, Missouri	A	87	$44.2B	11.43%	0.08%
39	USAA Federal Savings Bank	Phoenix, Arizona	A	86	$111.7B	15.96%	1.02%
40	Raymond James Bank	Saint Petersburg, Florida	A	86	$40.8B	14.18%	0.39%
41	Hancock Whitney Bank	Gulfport, Mississippi	A	85	$35.4B	12.87%	0.39%
42	City Nb of Florida	Miami, Florida	A	85	$26.2B	14.01%	0.67%
43	Bank of America Ca NA	San Francisco, California	A	85	$15.0B	29.72%	0.73%
44	East West Bank	Pasadena, California	A	85	$72.3B	13.06%	0.31%
45	Htlf Bank	Denver, Colorado	A	85	$18.7B	12.74%	0.87%
46	Israel Discount Bank of Ny	New York, New York	A	84	$12.3B	14.48%	0.65%
47	Santander Bank N A	Wilmington, Delaware	A	84	$100.6B	16.42%	1.49%
48	Oriental Bank	San Juan, Puerto Rico	A	84	$11.2B	13.39%	1.48%
49	Banco Popular de Puerto Rico	San Juan, Puerto Rico	A	84	$58.3B	16.37%	2.10%
50	Bokf National Assn	Tulsa, Oklahoma	A	84	$50.2B	11.50%	0.57%
51	Keybank National Assn	Cleveland, Ohio	A	83	$185.0B	12.59%	0.89%
52	Sofi Bank National Assn	Cottonwood Heigh, Utah	A	83	$27.4B	16.96%	0.15%
53	TD Bank USA National Assn	Wilmington, Delaware	A	83	$33.7B	33.97%	2.31%
54	Community Bank National Assn	Canton, New York	A	83	$15.7B	11.82%	0.50%
55	Washington Trust Bank	Spokane, Washington	A	82	$10.8B	11.73%	0.51%
56	Seacoast National Bank	Stuart, Florida	A	82	$14.9B	14.08%	0.63%
57	Texas Capital Bank	Dallas, Texas	A	82	$29.7B	13.16%	0.39%
58	First Interstate Bank	Billings, Montana	A	81	$30.2B	11.45%	1.03%
59	Banner Bank	Walla Walla, Washington	A	81	$15.8B	12.49%	0.28%
60	Townebank	Portsmouth, Virginia	A	81	$17.1B	12.43%	0.06%
61	Simmons Bank	Pine Bluff, Arkansas	A	81	$27.3B	12.22%	0.60%
62	Stifel Bank&Trust	Saint Louis, Missouri	A	80	$18.0B	10.92%	0.64%
63	Rockland Trust Co	Rockland, Massachusetts	A	80	$19.4B	14.51%	0.40%
64	Comerica Bank	Dallas, Texas	A	80	$79.6B	11.27%	0.46%
65	American Express Nb	Sandy, Utah	B	79	$192.3B	11.39%	0.67%
66	Huntington National Bank	Columbus, Ohio	B	79	$195.9B	10.32%	0.72%
67	Regions Bank	Birmingham, Alabama	B	78	$153.0B	11.35%	1.07%
68	Bremer Bank National Assn	Saint Paul, Minnesota	B	78	$16.2B	12.05%	0.51%
69	Webster Bank National Assn	Stamford, Connecticut	B	78	$76.8B	11.79%	0.71%
70	Banc of California	Los Angeles, California	B	78	$35.2B	13.77%	0.65%
71	Enterprise Bank&Trust	Clayton, Missouri	B	78	$14.6B	12.39%	0.48%
72	Popular Bank	New York, New York	B	78	$14.3B	13.38%	0.53%
73	Stellar Bank	Houston, Texas	B	78	$10.7B	13.08%	0.66%
74	Bankunited National Assn	Miami Lakes, Florida	B	78	$35.4B	13.46%	1.62%
75	Zions Bcorp N A	Salt Lake City, Utah	B	77	$87.6B	10.55%	0.46%
76	Dollar Bank FSB	Pittsburgh, Pennsylvania	B	77	$11.5B	16.33%	0.66%
77	Everbank National Assn	Jacksonville, Florida	B	77	$39.4B	13.52%	1.88%
78	First National Bank of Omaha	Omaha, Nebraska	B	77	$31.5B	11.35%	0.76%
79	Servisfirst Bank	Birmingham, Alabama	B	77	$16.0B	11.33%	0.28%
80	First Foundation Bank	Irvine, California	B	77	$13.7B	11.97%	0.19%
81	Manufacturers&Traders Tr Co	Buffalo, New York	B	77	$208.4B	12.16%	1.72%
82	Cadence Bank	Tupelo, Mississippi	B	76	$48.0B	11.90%	0.83%
83	Washington Federal Bank	Seattle, Washington	B	76	$28.6B	12.79%	0.29%
84	Southstate Bank NA	Winter Haven, Florida	B	76	$45.5B	12.89%	0.59%
85	Eaglebank	Bethesda, Maryland	B	76	$11.2B	13.95%	1.23%
86	First Merchants Bank	Muncie, Indiana	B	76	$18.3B	11.32%	0.50%
87	Wesbanco Bank INC	Wheeling, West Virginia	B	76	$18.1B	11.91%	0.36%
88	Columbia Bank	Fair Lawn, New Jersey	B	75	$10.5B	13.50%	0.33%
89	Nbt Bank National Assn	Norwich, New York	B	75	$13.4B	11.75%	0.39%
90	Umpqua Bank	Roseburg, Oregon	B	74	$52.0B	10.82%	0.41%
91	Plainscapital Bank	University Park, Texas	B	74	$12.7B	15.58%	2.51%
92	Barclays Bank Delaware	Wilmington, Delaware	B	74	$40.2B	13.70%	1.64%
93	Western Alliance Bank	Phoenix, Arizona	B	74	$80.5B	11.96%	1.80%
94	Arvest Bank	Fayetteville, Arkansas	B	74	$26.3B	11.39%	0.74%
95	Cathay Bank	Los Angeles, California	B	73	$23.2B	13.61%	0.57%
96	Bank of Hope	Los Angeles, California	B	73	$17.4B	13.23%	0.77%
97	Axos Bank	San Diego, California	B	73	$22.1B	12.52%	0.72%
98	Old National Bank	Evansville, Indiana	B	73	$52.8B	11.26%	0.95%
99	Trustmark National Bank	Jackson, Mississippi	B	73	$18.5B	11.63%	0.81%
100	Bank Ozk	Little Rock, Arkansas	B	72	$36.8B	10.91%	0.30%
101	Atlantic Union Bank	Richmond City, Virginia	B	72	$24.6B	11.92%	0.28%
102	Dime Community Bank	Hauppauge, New York	B	72	$13.5B	13.36%	0.37%
103	First Nb of Pennsylvania	Greenville, Pennsylvania	B	72	$47.6B	10.15%	0.34%
104	Renasant Bank	Tupelo, Mississippi	B	71	$17.5B	12.44%	0.76%
105	Apple Bank	New York, New York	B	71	$17.0B	11.87%	1.14%
106	Berkshire Bank	Pittsfield, Massachusetts	B	71	$12.2B	12.10%	0.35%
107	Oceanfirst Bank NA	Toms River, New Jersey	B	71	$13.2B	11.92%	0.33%
108	Veritex Community Bank	Dallas, Texas	B	71	$12.6B	11.85%	0.60%
109	Fulton Bank National Assn	Lancaster, Pennsylvania	B	71	$31.6B	11.60%	0.73%
110	Synovus Bank	Columbus, Georgia	B	71	$59.5B	11.46%	0.60%
111	Synchrony Bank	Draper, Utah	B	70	$112.9B	13.17%	2.24%
112	Associated Bank NA	Green Bay, Wisconsin	B	70	$41.6B	9.98%	0.54%
113	Beal Bank USA	Las Vegas, Nevada	B	70	$17.5B	93.82%	15.56%
114	First Commonwealth Bank	Indiana, Pennsylvania	B	70	$11.6B	11.39%	0.65%
115	Ameris Bank	Atlanta, Georgia	B	69	$26.4B	12.71%	0.91%
116	Northwest Bank	Warren, Pennsylvania	B	69	$14.4B	13.13%	0.92%
117	Third Fs&la of Cleveland	Cleveland, Ohio	B	69	$17.0B	17.33%	0.23%
118	Sandy Spring Bank	Olney, Maryland	B	69	$14.0B	13.38%	0.81%
119	Ally Bank	Sandy, Utah	B	69	$182.0B	11.81%	0.87%
120	Discover Bank	Greenwood, Delaware	B	67	$148.7B	11.65%	1.72%
121	Comenity Capital Bank	Draper, Utah	B	67	$12.7B	18.12%	3.84%
122	First Horizon Bank	Memphis, Tennessee	B	66	$81.9B	11.31%	0.94%
123	Merchants Bank of Indiana	Carmel, Indiana	B	66	$18.2B	11.40%	0.98%
124	Provident Bank	Jersey City, New Jersey	C	63	$24.1B	10.81%	0.36%
125	Valley National Bank	Passaic, New Jersey	C	62	$62.1B	11.15%	0.63%
126	Live Oak Banking Co	Wilmington, North Carolina	C	59	$11.8B	11.84%	2.32%
127	Bell Bank	Fargo, North Dakota	C	57	$13.9B	11.09%	0.60%
128	Standard Chartered Bank Plc	New York, New York	C	57	$58.9B	0.00%	0.00%
129	Flagstar Bank National Assn	Hicksville, New York	C	55	$119.0B	10.84%	3.05%
130	Banco Bilbao Vizcaya Sa	New York City, New York	C	52	$22.5B	0.00%	0.00%
131	Midfirst Bank	Oklahoma City, Oklahoma	C	50	$37.9B	17.60%	9.18%
132	Bank of Baroda	New York, New York	D	46	$10.5B	0.00%	1.02%
133	Bank of China	New York, New York	D	39	$41.3B	0.00%	3.00%

How These Scores Are Calculated

Every bank in this list earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), nonperforming-loan ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What counts as a "large banks" bank?

Banks with $10B to $250B in assets, regional powerhouses and super-regionals. The FDIC and federal regulators draw size lines based on consolidated total assets reported on the quarterly Call Report. Currently 133 institutions fit this definition.

What is the average health score for large banks?

Across 133 institutions in the Large Banks tier, the average Bank Health Score is 79/100, in solid B range. The typical bank here meets or exceeds regulatory capital minimums with room to spare and shows benign loan-loss trends. A-graded banks: 64. B-graded: 59. D or F-graded: 2.

What are the typical strengths of banks in this tier?

What should I watch for when reviewing a bank in this tier?

Are deposits at large banks insured the same way?

Yes. FDIC deposit insurance is identical at every FDIC-insured institution regardless of size — $250,000 per depositor, per insured bank, per ownership category. Verify your bank's FDIC status and your specific coverage at FDIC.gov.

Mega Banks →Mid-Size Banks →Community Banks →Small Banks →Methodology →

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 · Data covers 133 large banks. Informational only; not investment advice.