Common equity tier 1 (CET1) ratio: US bank rankings

448 FDIC-insured banks ranked by common equity tier 1 (CET1) ratio at Q2 2026, from each bank's Call Report. 1 = highest.

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.

What changed this quarter (Q1 2026 to Q2 2026)

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

Highest value

135.52%

Monet Bank

Rank 1 of 448 1 = highest

Median bank

13.09%

Middle of the 448 banks ranked

Lowest value

9.85%

Banterra Bank

Rank 448 of 448 1 = highest

Banks ranked

448

Every bank in our coverage that reported it

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

Rank (1 = highest)	Change in rank	Bank	State		Q1 2026
121	+9	Dime Commercial Bank	NY	14.76%	14.62%
122	+13	Heartland Bank and Trust Company	IL	14.75%	14.44%
122	+18	Amboy Bank	NJ	14.75%	14.39%
124	+14	Bank of Colorado	CO	14.74%	14.42%
124	+15	Farmers & Merchants Bank of Central California	CA	14.74%	14.40%
126	-1	State Street Bank and Trust Company	MA	14.72%	14.70%
127	-4	First Bank	NC	14.69%	14.74%
127	+19	Hingham Institution for Savings	MA	14.69%	14.28%
129	+11	City National Bank of Florida	FL	14.65%	14.39%
129	+28	Busey Bank	IL	14.65%	14.06%
131	+22	ANB Bank	CO	14.59%	14.19%
132	-20	City National Bank	CA	14.57%	15.06%
133	+9	The Bank of New York Mellon	NY	14.56%	14.38%
134	-15	The Bank of Tampa	FL	14.52%	14.81%
135	+13	TrustCo Bank	NY	14.48%	14.26%
136	+1	Frost Bank	TX	14.42%	14.43%
137	-2	Home Bank	LA	14.41%	14.44%
138	-63	Toyota Financial Savings Bank	NV	14.40%	16.21%
139	+15	Israel Discount Bank of New York	NY	14.38%	14.15%
140	+12	Synchrony Bank	UT	14.35%	14.22%
140	+4	Wilson Bank and Trust	TN	14.35%	14.29%
140	+41	First State Community Bank	MO	14.35%	13.77%
143	+97	Carter Bank & Trust	VA	14.34%	13.02%
144	-66	Citizens Business Bank	CA	14.33%	16.06%
145	+18	First Interstate Bank	MT	14.32%	13.95%
145	+6	Popular Bank	NY	14.32%	14.24%
147	-19	ACNB Bank	PA	14.30%	14.64%
148	+104	Quad City Bank and Trust Company	IA	14.29%	12.89%
149	+8	The Bancorp Bank	SD	14.27%	14.06%
149	+51	Bank of Ann Arbor	MI	14.27%	13.54%
149	+22	STAR Financial Bank	IN	14.27%	13.85%
149	-15	Unity Bank	NJ	14.27%	14.51%
153	-3	Esquire Bank	NY	14.24%	14.25%
154	-25	Lake City Bank	IN	14.13%	14.63%
155	+39	Pinnacle Bank	TX	14.07%	13.63%
156	-31	NATIONAL COOPERATIVE BANK	OH	14.05%	14.70%
157	+13	UniBank for Savings	MA	14.02%	13.86%
158	-14	Bank of Guam	GU	14.01%	14.29%
158	+2	Machias Savings Bank	ME	14.01%	14.05%
160	+31	Byline Bank	IL	14.00%	13.64%

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

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.