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
121	+12	Farmers & Merchants Bank of Central California	CA	16.00%	15.65%
122	+8	Bank of Colorado	CO	15.99%	15.68%
123	+2	Amalgamated Bank	NY	15.96%	15.90%
124	-3	First Bank	NC	15.94%	15.99%
125	-9	Commerce Bank	MO	15.92%	16.21%
126	+3	Rockland Trust Company	MA	15.85%	15.73%
127	+19	Heartland Bank and Trust Company	IL	15.80%	15.46%
128	-10	The Bank of Tampa	FL	15.77%	16.06%
129	+8	Dime Commercial Bank	NY	15.77%	15.60%
130	+14	City National Bank of Florida	FL	15.75%	15.48%
131	+11	TrustCo Bank	NY	15.73%	15.51%
132	+41	Busey Bank	IL	15.63%	14.99%
133	+1	Home Bank	LA	15.61%	15.65%
134	+7	Wilson Bank and Trust	TN	15.60%	15.54%
135	+101	Carter Bank & Trust	VA	15.60%	14.28%
136	+22	Hingham Institution for Savings	MA	15.54%	15.14%
137	-10	Unity Bank	NJ	15.52%	15.76%
138	+7	Esquire Bank	NY	15.49%	15.48%
139	+55	City National Bank of West Virginia	WV	15.48%	14.73%
140	+19	First Interstate Bank	MT	15.46%	15.14%
141	+21	ANB Bank	CO	15.43%	15.10%
142	+43	First State Community Bank	MO	15.43%	14.81%
143	+54	Bank of Ann Arbor	MI	15.42%	14.69%
144	+3	Frost Bank	TX	15.42%	15.44%
145	-14	NexBank	TX	15.39%	15.67%
146	+115	Quad City Bank and Trust Company	IA	15.35%	13.97%
147	+16	The Bancorp Bank	SD	15.32%	15.10%
148	+1	SoFi Bank	UT	15.29%	15.42%
149	-13	ACNB Bank	PA	15.28%	15.63%
150	-22	Lake City Bank	IN	15.27%	15.76%
151	+19	Israel Discount Bank of New York	NY	15.27%	15.03%
152	+9	UniBank for Savings	MA	15.27%	15.11%
153	-13	Bank of Guam	GU	15.27%	15.55%
154	-65	Toyota Financial Savings Bank	NV	15.26%	16.94%
155	+28	Byline Bank	IL	15.25%	14.86%
156	same	State Street Bank and Trust Company	MA	15.21%	15.21%
157	+32	STAR Financial Bank	IN	15.21%	14.78%
158	+34	Pinnacle Bank	TX	15.19%	14.75%
159	+8	Cathay Bank	CA	15.16%	15.05%
160	+4	East West Bank	CA	15.15%	15.08%

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.