Common equity tier 1 (CET1) ratio: US bank rankings
Monet Bank ranked first by common equity tier 1 (CET1) ratio at Q2 2026 with 135.52%, followed by Wells Fargo Bank South Central (80.53%) and Charles Schwab Trust Bank (79.60%). Rank among 448 banks reporting this metric, 1 = highest; the median bank was at 13.09%. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Monet Bank stayed first, at 135.52%
- Median: down from 13.14% to 13.09%
- Biggest rise in the top 100: SMBC MANUBANK, from 95th to 21st
Sparklines: the last ten years (median and count: every quarter of this ranking). Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Ranking, Q2 2026
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor. Change in rank compares with Q1 2026. Bars: value relative to the largest in the table.
Who leads the table?
The five banks at the top of the table at Q2 2026 were Monet Bank (135.52%, TX), Wells Fargo Bank South Central (80.53%, TX), Charles Schwab Trust Bank (79.60%, TX), Wells Fargo National Bank West (64.87%, NV) and Deutsche Bank Trust Company Americas (57.52%, NY). 10 of the top 10 were also in the top 10 in Q1 2026. 4 of the top 10 have their head office in Texas.
How are the values spread?
Half of the 448 banks have a value between 12.04% and 14.95% (the middle two quarters of the table); one in ten is above 18.24% and one in ten below 11.09%. A year earlier, at Q2 2025, the median was 12.99% across 484 banks. The median fell from 13.14% in Q1 2026 to 13.09% in Q2 2026.
21 values lie far from the rest of the table (more than three times the spread of the middle half beyond it): Monet Bank (135.52%); Wells Fargo Bank South Central (80.53%); Charles Schwab Trust Bank (79.60%, a trust or card bank by name); Wells Fargo National Bank West (64.87%); Deutsche Bank Trust Company Americas (57.52%, a trust or card bank by name); Beal Bank USA (51.76%) and others. Values like these usually come from special-purpose banks, such as trust, custody, credit card or payment banks, whose balance sheets differ from lending banks; compare them with care.
Which of the top 100 banks moved most?
Between Q1 2026 and Q2 2026, of the 448 banks ranked in both quarters, 261 moved up the table, 162 moved down and 25 kept their place; the typical bank moved 13 places.
Largest moves up the table from Q1 2026 to Q2 2026: SMBC MANUBANK (from 95th to 21st; 15.42% to 23.92%); Westamerica Bank (from 108th to 79th; 15.13% to 16.23%); First Community Bank (from 124th to 100th; 14.73% to 15.32%). Largest moves down the table from Q1 2026 to Q2 2026: TD Bank (from 45th to 83rd; 18.28% to 16.16%); Ponce Bank (from 36th to 53rd; 18.97% to 17.87%); Johnson Bank (from 79th to 93rd; 16.04% to 15.62%).
How is this ranking built?
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). Common equity tier 1 (CET1) ratio values are quarter-end figures from each bank's Call Report for Q2 2026, ranked from highest to lowest (1 = highest).
Full definitions are on the methodology page for common equity tier 1 (CET1) ratio.
Other US bank rankings
- Bank equity capital
- Deposits in domestic offices
- Efficiency ratio
- Full-time equivalent employees
- Loan-to-deposit ratio
- Total loans and leases (gross)
- Net loans and leases
- Net charge-offs to average loans
- Net income (year to date)
- Net interest margin
- Noncurrent loans to total loans
- Number of offices
- Return on assets (ROA)
- Return on equity (ROE)
- Available-for-sale securities (amortized cost)
- Available-for-sale securities (fair value)
- Held-to-maturity securities (amortized cost)
- Held-to-maturity securities (fair value)
- Total securities
- Tier 1 leverage ratio
- Total assets
- Total deposits
- Total equity capital
- Total risk-based capital ratio
- Uninsured share of domestic deposits
- Estimated uninsured deposits
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. Primary source: FDIC BankFind Suite; cross-check: FFIEC Central Data Repository. Checks: Check A passed, Check B passed.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.