Tier 1 leverage ratio: US bank rankings

500 FDIC-insured banks ranked by tier 1 leverage ratio at Q2 2026, from each bank's Call Report. 1 = highest.

Erebor Bank ranked first by tier 1 leverage ratio at Q2 2026 with 38.81%, followed by Monet Bank (31.69%) and Wells Fargo Bank South Central (29.69%). Rank among 500 banks reporting this metric, 1 = highest; the median bank was at 10.33%. Source: FDIC Call Report data, cross-checked against FFIEC filings.

What changed this quarter (Q1 2026 to Q2 2026)

Erebor Bank stayed first, at 38.81%
Median: up from 10.32% to 10.33%
Biggest rise in the top 100: OceanFirst Bank, from 447th to 73rd

Highest value

38.81%

Erebor Bank

Rank 1 of 500 1 = highest

Median bank

10.33%

Middle of the 500 banks ranked

Lowest value

5.85%

State Street Bank and Trust Company

Rank 500 of 500 1 = highest

Banks ranked

500

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
81	-1	Central Bank & Trust Co.	KY	12.42%	12.35%
82	-3	Bank of America California	CA	12.41%	12.41%
83	+6	Busey Bank	IL	12.38%	12.14%
84	+19	Avidia Bank	MA	12.37%	11.89%
85	-8	Johnson Bank	WI	12.33%	12.47%
86	+2	WestStar Bank	TX	12.27%	12.19%
87	+11	Burke & Herbert Bank & Trust Company	VA	12.26%	11.97%
88	+5	Bank of the Sierra	CA	12.25%	12.05%
89	+1	Amboy Bank	NJ	12.19%	12.12%
90	+9	Midwest BankCentre	MO	12.15%	11.91%
91	+17	Machias Savings Bank	ME	12.12%	11.81%
92	-1	Home Bank	LA	12.11%	12.11%
93	+16	Bank of New Hampshire	NH	12.08%	11.77%
94	-2	Old Second National Bank	IL	12.05%	12.09%
95	+2	West Coast Community Bank	CA	12.05%	11.98%
96	-2	State Bank of Southern Utah	UT	12.04%	12.03%
97	+9	Tri Counties Bank	CA	12.00%	11.85%
98	+6	Avidbank	CA	11.99%	11.88%
99	+3	First National Bank Alaska	AK	11.95%	11.90%
100	-59	Heartland Bank and Trust Company	IL	11.94%	13.63%
101	+17	Ion Bank	CT	11.91%	11.60%
102	+29	Northeast Bank	ME	11.90%	11.40%
103	-22	Lake City Bank	IN	11.89%	12.35%
104	-17	Southern Bancorp Bank	AR	11.85%	12.28%
105	+9	Rockland Trust Company	MA	11.83%	11.72%
106	+18	Popular Bank	NY	11.80%	11.48%
107	-48	Cross River Bank	NJ	11.78%	12.82%
108	+97	Carter Bank & Trust	VA	11.73%	10.68%
109	+2	Hanmi Bank	CA	11.71%	11.74%
110	-5	Esquire Bank	NY	11.68%	11.85%
111	+15	First State Community Bank	MO	11.68%	11.45%
112	+4	United Business Bank	CA	11.66%	11.70%
113	+28	Farmers & Merchants Bank of Central California	CA	11.65%	11.31%
114	+11	Bridgewater Bank	MN	11.65%	11.45%
115	+4	Mercantile Bank	MI	11.61%	11.57%
116	+16	First Financial Bank	TX	11.61%	11.37%
117	+3	United Bank	VA	11.60%	11.54%
118	-8	Leader Bank	MA	11.58%	11.75%
119	+20	TD Bank USA	DE	11.56%	11.33%
120	+13	FirstBank Puerto Rico	PR	11.54%	11.37%

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 Erebor Bank (38.81%, OH), Monet Bank (31.69%, TX), Wells Fargo Bank South Central (29.69%, TX), Deutsche Bank Trust Company Americas (25.79%, NY) and Beal Bank USA (21.89%, NV). 9 of the top 10 were also in the top 10 in Q1 2026. 3 of the top 10 have their head office in Texas.

How are the values spread?

Half of the 500 banks have a value between 9.44% and 11.49% (the middle two quarters of the table); one in ten is above 13.17% and one in ten below 8.77%. A year earlier, at Q2 2025, the median was 10.16% across 528 banks. The median rose from 10.32% in Q1 2026 to 10.33% in Q2 2026.

13 values lie far from the rest of the table (more than three times the spread of the middle half beyond it): Erebor Bank (38.81%); Monet Bank (31.69%); Wells Fargo Bank South Central (29.69%); Deutsche Bank Trust Company Americas (25.79%, a trust or card bank by name); Beal Bank USA (21.89%); Emigrant Bank (20.30%) 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 500 banks ranked in both quarters, 306 moved up the table, 180 moved down and 14 kept their place; the typical bank moved 12 places.

Largest moves up the table from Q1 2026 to Q2 2026: OceanFirst Bank (from 447th to 73rd; 8.80% to 12.62%); Vallant Bank (from 355th to 68th; 9.63% to 12.70%); California Bank of Commerce (from 95th to 61st; 12.02% to 12.80%). Largest moves down the table from Q1 2026 to Q2 2026: Heartland Bank and Trust Company (from 41st to 100th; 13.63% to 11.94%); Royal Business Bank (from 44th to 77th; 13.46% to 12.54%); Texas Exchange Bank (from 58th to 80th; 12.83% to 12.44%).

How is this ranking built?

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. Tier 1 leverage 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 tier 1 leverage 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.