Tier 1 leverage ratio: US bank rankings
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.
- 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
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 | Q2 2026 | Q1 2026 | |
|---|---|---|---|---|---|---|
| 241 | -25 | BCB Community Bank | NJ | 10.38% | 10.54% | |
| 242 | +38 | D. L. Evans Bank | ID | 10.38% | 10.15% | |
| 243 | -21 | First Bank & Trust | SD | 10.37% | 10.49% | |
| 244 | +33 | First Business Bank | WI | 10.37% | 10.16% | |
| 245 | +37 | First Financial Bank | IN | 10.36% | 10.14% | |
| 246 | -35 | Wilmington Savings Fund Society, FSB | DE | 10.36% | 10.58% | |
| 247 | -35 | FirstBank | TN | 10.35% | 10.58% | |
| 248 | -7 | United Bank of Iowa | IA | 10.34% | 10.41% | |
| 249 | -29 | STAR Financial Bank | IN | 10.33% | 10.50% | |
| 250 | -79 | The Park National Bank | OH | 10.33% | 10.94% | |
| 251 | -14 | First Horizon Bank | TN | 10.32% | 10.42% | |
| 252 | -129 | TD Bank | DE | 10.32% | 11.50% | |
| 253 | +31 | Capital City Bank | FL | 10.29% | 10.11% | |
| 254 | +2 | SouthState Bank | FL | 10.28% | 10.27% | |
| 255 | +19 | NBH Bank | CO | 10.27% | 10.17% | |
| 256 | -189 | Sunflower Bank | TX | 10.27% | 12.70% | |
| 257 | +22 | MVB Bank, Inc | WV | 10.27% | 10.15% | |
| 258 | +23 | Westamerica Bank | CA | 10.27% | 10.14% | |
| 259 | +32 | Northrim Bank | AK | 10.26% | 10.08% | |
| 260 | -223 | Cornerstone Capital Bank, SSB | TX | 10.26% | 13.79% | |
| 261 | -53 | Five Star Bank | CA | 10.25% | 10.66% | |
| 262 | same | Valley National Bank | NJ | 10.25% | 10.23% | |
| 263 | -5 | Cambridge Savings Bank | MA | 10.25% | 10.25% | |
| 264 | +24 | WesBanco Bank, Inc. | WV | 10.25% | 10.10% | |
| 265 | +25 | Heritage Bank | WA | 10.23% | 10.10% | |
| 266 | -9 | First Community Bank | VA | 10.23% | 10.26% | |
| 267 | -43 | HSBC Bank USA | VA | 10.22% | 10.48% | |
| 268 | -14 | First Fidelity Bank | OK | 10.22% | 10.32% | |
| 269 | +6 | Fulton Bank | PA | 10.20% | 10.17% | |
| 270 | +35 | Sunrise Banks | SD | 10.18% | 9.95% | |
| 271 | +1 | American National Bank & Trust | TX | 10.18% | 10.18% | |
| 272 | +30 | United Community Bank | IL | 10.17% | 9.96% | |
| 273 | -56 | CNB Bank | PA | 10.17% | 10.53% | |
| 274 | -6 | First Bank | NJ | 10.17% | 10.20% | |
| 275 | +29 | First Commonwealth Bank | PA | 10.17% | 9.95% | |
| 276 | -25 | Sallie Mae Bank | UT | 10.17% | 10.33% | |
| 277 | +6 | United Fidelity Bank, fsb | IN | 10.16% | 10.13% | |
| 278 | -19 | Eastern Bank | MA | 10.15% | 10.25% | |
| 279 | +20 | Open Bank | CA | 10.15% | 10.00% | |
| 280 | -25 | Northwest Bank | IA | 10.12% | 10.28% | |
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
- Bank equity capital
- Common equity tier 1 (CET1) ratio
- 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
- 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.