Total risk-based capital ratio: US bank rankings
Monet Bank has the highest total risk-based capital ratio of the 448 US banks ranked at , at 136.07%, ahead of Wells Fargo Bank South Central (80.84%) and Charles Schwab Trust Bank (79.60%). Median total risk-based capital ratio: 14.27%. Source: FDIC Call Reports.
Key takeaways
- The median total risk-based capital ratio fell to 14.27% from 14.37% between and (FDIC Call Report data).
- Median total risk-based capital ratio by size: 14.72% for banks over $100 bn, against 14.13% for banks $10 bn to $100 bn (, FDIC Call Reports).
- 1 bank entered the top 25 by total risk-based capital ratio in , including SMBC MANUBANK at 23rd (FDIC Call Report data).
Ranking, Q2 2026
Rank 1 = highest. Change: places since .
How is total risk-based capital ratio distributed?
The middle half of the total risk-based capital ratio table: between 13.22% and 16.24%. Top tenth of total risk-based capital ratio: above 19.25%; bottom tenth: below 12.14%. Far from the rest on total risk-based capital ratio: Monet Bank (136.07%); Wells Fargo Bank South Central (80.84%); Charles Schwab Trust Bank (79.60%); Wells Fargo National Bank West (65.48%); Deutsche Bank Trust Company Americas (57.71%), and 15 more.
| Size group (total assets) | Banks | Lower quarter | Median | Upper quarter |
|---|---|---|---|---|
| All banks ranked | 448 | 13.22% | 14.27% | 16.24% |
| $1 bn to $10 bn | 287 | 13.08% | 14.44% | 16.54% |
| $10 bn to $100 bn | 126 | 13.34% | 14.13% | 15.85% |
| Over $100 bn | 32 | 13.50% | 14.72% | 16.46% |
What changed since Q1 2026?
Into the top 25: SMBC MANUBANK (from 143rd). Out of it: Lead Bank (to 29th).
Biggest climbs: OceanFirst Bank (392nd to 262nd); First Carolina Bank (405th to 280th); SMBC MANUBANK (143rd to 23rd); Quad City Bank and Trust Company (261st to 146th); Carter Bank & Trust (236th to 135th).
Biggest drops: Banc of California (123rd to 276th); Burke & Herbert Bank & Trust Company (112th to 223rd); Pathward (215th to 322nd); BMW Bank of North America (154th to 247th); Coastal Community Bank (310th to 396th).
How the total risk-based capital ratio ranking is built
The total risk-based capital ratio is total capital (tier 1 plus tier 2, which includes some subordinated debt and part of the loss allowance) divided by risk-weighted assets, in percent (FDIC field RBCRWAJ). Caveats: banks that use the community bank leverage ratio framework do not report it and are left out; tier 2 capital can include instruments that absorb losses only in liquidation, so this ratio is less strict than CET1.
Questions
Which US bank has the highest total risk-based capital ratio?
Monet Bank, at 136.07% at , among 448 banks reporting it.
What is the median total risk-based capital ratio of US banks?
14.27% at , against 14.37% at .
How is total risk-based capital ratio measured?
Total risk-based capital as a percent of risk-weighted assets (PCA basis). Blank for banks using the community bank leverage ratio framework (FDIC shows 0 for them).
When does the total risk-based capital 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, Tier 1 leverage 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