Common equity tier 1 (CET1) ratio: US bank rankings
Monet Bank has the highest CET1 ratio of the 448 US banks ranked at , at 135.52%, ahead of Wells Fargo Bank South Central (80.53%) and Charles Schwab Trust Bank (79.60%). Median CET1 ratio: 13.09%. Source: FDIC Call Reports.
Key takeaways
- The median CET1 ratio fell to 13.09% from 13.14% between and (FDIC Call Report data).
- Median CET1 ratio by size: 13.22% for banks $1 bn to $10 bn, against 12.97% for banks $10 bn to $100 bn (, FDIC Call Reports).
- 1 bank entered the top 25 by CET1 ratio in , including SMBC MANUBANK at 21st (FDIC Call Report data).
Ranking, Q2 2026
Rank 1 = highest. Change: places since .
How is CET1 ratio distributed?
The middle half of the CET1 ratio table: between 12.04% and 14.95%. Top tenth of CET1 ratio: above 18.24%; bottom tenth: below 11.09%. Far from the rest on CET1 ratio: Monet Bank (135.52%); Wells Fargo Bank South Central (80.53%); Charles Schwab Trust Bank (79.60%); Wells Fargo National Bank West (64.87%); Deutsche Bank Trust Company Americas (57.52%), and 16 more.
| Size group (total assets) | Banks | Lower quarter | Median | Upper quarter |
|---|---|---|---|---|
| All banks ranked | 448 | 12.04% | 13.09% | 14.95% |
| $1 bn to $10 bn | 287 | 12.01% | 13.22% | 15.21% |
| $10 bn to $100 bn | 126 | 12.16% | 12.97% | 14.65% |
| Over $100 bn | 32 | 11.83% | 13.06% | 15.03% |
What changed since Q1 2026?
Into the top 25: SMBC MANUBANK (from 95th). Out of it: Lead Bank (to 29th).
Biggest climbs: First Carolina Bank (387th to 244th); OceanFirst Bank (370th to 238th); Quad City Bank and Trust Company (252nd to 148th); Carter Bank & Trust (240th to 143rd); First Guaranty Bank (205th to 113th).
Biggest drops: Pathward (221st to 336th); Burke & Herbert Bank & Trust Company (106th to 206th); Coastal Community Bank (321st to 411th); Comenity Capital Bank (205th to 282nd); Texas Capital Bank (224th to 294th).
How the CET1 ratio ranking is built
The common equity tier 1 (CET1) ratio is common equity tier 1 capital divided by risk-weighted assets, in percent, as reported in the Call Report (FDIC field RBCT1CER). It is the main measure of loss-absorbing capital under the Basel framework. Caveats: banks that use the community bank leverage ratio framework do not report it and are left out of this table; risk weights differ by asset type, so a bank holding mostly Treasuries can show a high ratio with modest capital; and the regulatory capital of a bank differs from that of its holding company.
Questions
Which US bank has the highest CET1 ratio?
Monet Bank, at 135.52% at , among 448 banks reporting it.
What is the median CET1 ratio of US banks?
13.09% at , against 13.14% at .
How is CET1 ratio measured?
Common equity tier 1 capital as a percent of risk-weighted assets. Blank for banks using the community bank leverage ratio framework (they do not report it).
When does the CET1 ratio ranking change?
Quarterly. figures come after .
Other US bank rankings
Size and balance sheet: Total assets, Total deposits, Net loans and leases, Loan-to-deposit ratio, Total securities, Deposits in domestic offices, Total loans and leases (gross)
Capital: Tier 1 leverage ratio, Total risk-based capital ratio, Bank equity capital, Total equity capital
Profitability: Return on equity (ROE), Return on assets (ROA), Net interest margin, Efficiency ratio, Net income (year to date)
Asset quality: Noncurrent loans to total loans, Net charge-offs to average loans
Deposits at risk: Uninsured share of domestic deposits, Estimated uninsured deposits
Securities: Available-for-sale securities (fair value), Available-for-sale securities (amortized cost), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value)
Staff and branches: Full-time equivalent employees, Number of offices