Tier 1 leverage ratio: US bank rankings
Erebor Bank has the highest tier 1 leverage ratio of the 500 US banks ranked at , at 38.81%, ahead of Monet Bank (31.69%) and Wells Fargo Bank South Central (29.69%). Median tier 1 leverage ratio: 10.33%. Source: FDIC Call Reports.
Key takeaways
- The median tier 1 leverage ratio rose to 10.33% from 10.32% between and (FDIC Call Report data).
- Median tier 1 leverage ratio by size: 10.45% for banks $1 bn to $10 bn, against 9.44% for banks over $100 bn (, FDIC Call Reports).
- OceanFirst Bank made the largest climb in the tier 1 leverage ratio table, from 447th to 73rd in (FDIC Call Report data).
Ranking, Q2 2026
Rank 1 = highest. Change: places since .
How is tier 1 leverage ratio distributed?
The middle half of the tier 1 leverage ratio table: between 9.44% and 11.49%. Top tenth of tier 1 leverage ratio: above 13.17%; bottom tenth: below 8.77%. Far from the rest on tier 1 leverage ratio: Erebor Bank (38.81%); Monet Bank (31.69%); Wells Fargo Bank South Central (29.69%); Deutsche Bank Trust Company Americas (25.79%); Beal Bank USA (21.89%), and 8 more.
| Size group (total assets) | Banks | Lower quarter | Median | Upper quarter |
|---|---|---|---|---|
| All banks ranked | 500 | 9.44% | 10.33% | 11.49% |
| $1 bn to $10 bn | 339 | 9.60% | 10.45% | 11.85% |
| $10 bn to $100 bn | 126 | 9.43% | 10.25% | 11.06% |
| Over $100 bn | 32 | 7.87% | 9.44% | 9.99% |
What changed since Q1 2026?
The top 25 by tier 1 leverage ratio kept the same members as in .
Biggest climbs: OceanFirst Bank (447th to 73rd); Vallant Bank (355th to 68th); First Carolina Bank (293rd to 145th); Pathward (445th to 314th); Forbright Bank (270th to 152nd).
Biggest drops: Nicolet National Bank (76th to 353rd); The Farmers National Bank of Canfield (113th to 363rd); Cornerstone Capital Bank, SSB (37th to 260th); Sunflower Bank (67th to 256th); Banc of California (200th to 352nd).
How the tier 1 leverage ratio ranking is built
The tier 1 leverage ratio is tier 1 capital divided by average total assets for the quarter, in percent (FDIC field RBC1AAJ). Unlike risk-based ratios, it gives every asset the same weight. For banks that use the community bank leverage ratio framework, this field is their community bank leverage ratio, which has its own minimum. Caveats: it penalizes banks that hold large amounts of low-risk assets such as reserves and Treasuries; and custody banks with large balance sheets tend to rank low for that reason.
Questions
Which US bank has the highest tier 1 leverage ratio?
Erebor Bank, at 38.81% at , among 500 banks reporting it.
What is the median tier 1 leverage ratio of US banks?
10.33% at , against 10.32% at .
How is tier 1 leverage ratio measured?
Tier 1 capital as a percent of average total assets (PCA basis). For banks using the community bank leverage ratio framework this is their CBLR.
When does the tier 1 leverage 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: CET1 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