Total risk-based capital ratio: US bank rankings
Monet Bank ranked first by total risk-based capital ratio at Q2 2026 with 136.07%, followed by Wells Fargo Bank South Central (80.84%) and Charles Schwab Trust Bank (79.60%). Rank among 448 banks reporting this metric, 1 = highest; the median bank was at 14.27%. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Monet Bank stayed first, at 136.07%
- Median: down from 14.37% to 14.27%
- Biggest rise in the top 100: SMBC MANUBANK, from 143rd to 23rd
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 | |
|---|---|---|---|---|---|---|
| 41 | -2 | Woori America Bank | NY | 19.60% | 19.87% | |
| 42 | +4 | First Financial Bank | TX | 19.59% | 19.46% | |
| 43 | -1 | MidFirst Bank | OK | 19.48% | 19.68% | |
| 44 | +10 | Capital City Bank | FL | 19.43% | 18.94% | |
| 45 | -1 | HSBC Bank USA | VA | 19.29% | 19.56% | |
| 46 | +3 | First National Bank Alaska | AK | 19.25% | 19.25% | |
| 47 | +8 | Orange Bank & Trust Company | NY | 19.20% | 18.91% | |
| 48 | -5 | WebBank | UT | 19.18% | 19.60% | |
| 49 | -2 | TriState Capital Bank | PA | 19.10% | 19.29% | |
| 50 | +8 | Middlesex Savings Bank | MA | 19.01% | 18.81% | |
| 51 | same | Bristol County Savings Bank | MA | 18.94% | 19.17% | |
| 52 | -15 | Ponce Bank | NY | 18.88% | 20.00% | |
| 53 | +3 | Interaudi Bank | NY | 18.85% | 18.91% | |
| 54 | +5 | The Cape Cod Five Cents Savings Bank | MA | 18.83% | 18.77% | |
| 55 | +2 | North American Savings Bank, F.S.B. | MO | 18.74% | 18.84% | |
| 56 | -20 | Morgan Stanley Bank | UT | 18.71% | 20.04% | |
| 57 | -5 | Emigrant Bank | FL | 18.68% | 19.15% | |
| 58 | +4 | Optum Bank, Inc. | UT | 18.66% | 18.35% | |
| 59 | +2 | USAA Federal Savings Bank | AZ | 18.65% | 18.46% | |
| 60 | +6 | BancFirst | OK | 18.56% | 18.01% | |
| 61 | -1 | VeraBank | TX | 18.50% | 18.50% | |
| 62 | +10 | Community National Bank | TX | 18.39% | 17.69% | |
| 63 | +1 | Red River Bank | LA | 18.37% | 18.12% | |
| 64 | +1 | Academy Bank | MO | 18.27% | 18.04% | |
| 65 | +2 | Industrial and Commercial Bank of China USA | NY | 18.27% | 17.96% | |
| 66 | -16 | Merrick Bank | UT | 18.21% | 19.22% | |
| 67 | -14 | Medallion Bank | UT | 18.08% | 18.96% | |
| 68 | +10 | Metro City Bank | GA | 18.04% | 17.42% | |
| 69 | +17 | West Texas National Bank | TX | 18.01% | 17.06% | |
| 70 | -7 | CIBC Bank USA | IL | 17.98% | 18.21% | |
| 71 | -1 | FirstBank Puerto Rico | PR | 17.97% | 17.77% | |
| 72 | +5 | BNY Mellon | PA | 17.86% | 17.48% | |
| 73 | -4 | Spencer Savings Bank, SLA | NJ | 17.86% | 17.80% | |
| 74 | +1 | The Fidelity Bank | NC | 17.81% | 17.50% | |
| 75 | -2 | Republic Bank & Trust Company | KY | 17.80% | 17.68% | |
| 76 | +17 | Broadway National Bank | TX | 17.73% | 16.81% | |
| 77 | +10 | Banco Popular de Puerto Rico | PR | 17.66% | 17.01% | |
| 78 | -4 | Comenity Capital Bank | UT | 17.65% | 17.58% | |
| 79 | -8 | Civista Bank | OH | 17.64% | 17.74% | |
| 80 | -12 | Bank of Utah | UT | 17.61% | 17.81% | |
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 (136.07%, TX), Wells Fargo Bank South Central (80.84%, TX), Charles Schwab Trust Bank (79.60%, TX), Wells Fargo National Bank West (65.48%, NV) and Deutsche Bank Trust Company Americas (57.71%, 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 13.22% and 16.24% (the middle two quarters of the table); one in ten is above 19.25% and one in ten below 12.14%. A year earlier, at Q2 2025, the median was 14.16% across 484 banks. The median fell from 14.37% in Q1 2026 to 14.27% in Q2 2026.
20 values lie far from the rest of the table (more than three times the spread of the middle half beyond it): Monet Bank (136.07%); Wells Fargo Bank South Central (80.84%); Charles Schwab Trust Bank (79.60%, a trust or card bank by name); Wells Fargo National Bank West (65.48%); Deutsche Bank Trust Company Americas (57.71%, a trust or card bank by name); Beal Bank USA (52.89%) 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, 259 moved up the table, 160 moved down and 29 kept their place; the typical bank moved 11 places.
Largest moves up the table from Q1 2026 to Q2 2026: SMBC MANUBANK (from 143rd to 23rd; 15.51% to 24.05%); Westamerica Bank (from 138th to 97th; 15.57% to 16.69%); Mechanics Bank (from 117th to 96th; 16.21% to 16.74%). Largest moves down the table from Q1 2026 to Q2 2026: TD Bank (from 45th to 83rd; 19.53% to 17.41%); Morgan Stanley Bank (from 36th to 56th; 20.04% to 18.71%); Merrick Bank (from 50th to 66th; 19.22% to 18.21%).
How is this ranking built?
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). Total risk-based capital 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 total risk-based capital 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
- Tier 1 leverage ratio
- Total assets
- Total deposits
- Total equity capital
- 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.