Total risk-based capital ratio: US bank rankings

448 FDIC-insured banks ranked by total risk-based capital ratio at Q2 2026, from each bank's Call Report. 1 = highest.

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.

What changed this quarter (Q1 2026 to Q2 2026)

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

Highest value

136.07%

Monet Bank

Rank 1 of 448 1 = highest

Median bank

14.27%

Middle of the 448 banks ranked

Lowest value

10.73%

Banterra Bank

Rank 448 of 448 1 = highest

Banks ranked

448

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	+3	Stearns Bank	MN	17.52%	17.09%
82	same	American First National Bank	TX	17.44%	17.18%
83	-38	TD Bank	DE	17.41%	19.53%
84	-5	RCB Bank	OK	17.25%	17.36%
85	-9	Penn Community Bank	PA	17.19%	17.48%
86	-3	Extraco Banks	TX	17.14%	17.13%
87	-2	Texas Bank and Trust Company	TX	17.10%	17.08%
88	+4	Southside Bank	TX	17.10%	16.84%
89	-1	Bank of Greene	NY	17.10%	16.98%
90	-9	Barclays Bank Delaware	DE	17.04%	17.27%
91	+6	Inwood National Bank	TX	16.98%	16.72%
92	+11	Comenity Bank	DE	16.90%	16.49%
93	-13	Johnson Bank	WI	16.87%	17.30%
94	+1	Happen Bank	UT	16.83%	16.75%
95	+15	Ion Bank	CT	16.82%	16.36%
96	+21	Mechanics Bank	CA	16.74%	16.21%
97	+41	Westamerica Bank	CA	16.69%	15.57%
98	-7	Third Federal Savings and Loan Association of Cleveland	OH	16.65%	16.85%
99	+2	1st Source Bank	IN	16.62%	16.54%
100	+13	Avidia Bank	MA	16.61%	16.26%
101	-2	TruNorth Bank	MA	16.59%	16.58%
102	-4	Flagstar Bank	NY	16.58%	16.68%
103	+19	First Community Bank	VA	16.58%	15.99%
104	-4	Institution for Savings in Newburyport and Its Vicinity	MA	16.56%	16.55%
105	+3	Northern Bank & Trust Company	MA	16.56%	16.41%
106	same	First National Bank of America	MI	16.54%	16.43%
107	+4	Synchrony Bank	UT	16.46%	16.35%
108	+16	Prosperity Bank	TX	16.46%	15.96%
109	-7	Dollar Bank, Federal Savings Bank	PA	16.45%	16.51%
110	-3	Alpine Bank	CO	16.42%	16.42%
111	+15	Raymond James Bank	FL	16.39%	15.78%
112	-18	City National Bank	CA	16.25%	16.79%
113	+1	BMO Bank	IL	16.24%	16.25%
114	+6	Planters Bank & Trust Company	MS	16.23%	16.00%
115	same	JPMorgan Chase Bank	OH	16.21%	16.25%
116	+80	First Guaranty Bank	LA	16.21%	14.71%
117	+34	EagleBank	MD	16.20%	15.39%
118	-9	Centennial Bank	AR	16.09%	16.37%
119	same	Central Bank & Trust Co.	KY	16.08%	16.01%
120	+15	Amboy Bank	NJ	16.00%	15.64%

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

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.