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
161	+3	Cathay Bank	CA	13.98%	13.91%
162	-65	Bradesco Bank	FL	13.93%	15.34%
162	+21	California Bank of Commerce	CA	13.93%	13.76%
162	+11	Dedham Institution for Savings	MA	13.93%	13.83%
165	same	Bank of Hawaii	HI	13.92%	13.89%
166	+7	East West Bank	CA	13.90%	13.83%
167	+28	Frandsen Bank & Trust	MN	13.89%	13.61%
167	+21	Armstrong Bank	OK	13.89%	13.69%
169	-2	South Shore Bank	MA	13.87%	13.87%
170	+3	Chemung Canal Trust Company	NY	13.84%	13.83%
171	+10	Citibank	SD	13.79%	13.77%
172	-10	Wilmington Savings Fund Society, FSB	DE	13.77%	14.01%
172	-29	First American Bank	IL	13.77%	14.33%
174	-42	United Business Bank	CA	13.76%	14.54%
175	+22	Bank of New Hampshire	NH	13.75%	13.57%
176	-20	HomeTrust Bank	NC	13.74%	14.09%
177	+1	Old Second National Bank	IL	13.72%	13.80%
178	-5	United Community Bank	IL	13.70%	13.83%
179	-31	Barclays Bank Delaware	DE	13.69%	14.26%
179	+12	United Bank	VA	13.69%	13.64%
179	+5	Tri Counties Bank	CA	13.69%	13.75%
179	+46	Bank of Marin	CA	13.69%	13.17%
183	+5	Liberty Bank	CT	13.66%	13.69%
183	+18	Intrust Bank	KS	13.66%	13.50%
185	-67	BMW Bank of North America	UT	13.65%	14.88%
186	+58	CalPrivate Bank	CA	13.61%	12.95%
187	+38	Midland States Bank	IL	13.59%	13.17%
187	-30	Morton Community Bank	IL	13.59%	14.06%
189	+28	First Mid Bank & Trust	IL	13.58%	13.29%
190	-10	Customers Bank	PA	13.55%	13.78%
190	-23	Seacoast National Bank	FL	13.55%	13.87%
190	+6	Colony Bank	GA	13.55%	13.59%
193	-3	Midwest BankCentre	MO	13.54%	13.65%
193	+14	Citizens and Farmers Bank	VA	13.54%	13.43%
195	+38	Investar Bank	LA	13.51%	13.11%
196	+7	American Savings Bank	HI	13.49%	13.49%
197	-37	Goldman Sachs Bank USA	NY	13.48%	14.05%
198	+46	Northeast Bank	ME	13.46%	12.95%
198	+19	Merchants Bank	MN	13.46%	13.29%
200	-13	Kearny Bank	NJ	13.44%	13.70%

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.