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Banks With the Highest Capital Ratios
Banks over $500M in assets ranked by equity as a share of assets - a simple leverage measure from Call Report data. Data as of June 30, 2026.
| # | Bank | Headquarters | Assets | Deposits | Equity / assets |
|---|---|---|---|---|---|
| 1 | Wilmington Trust, National Association | Wilmington, DE | $772.08M | $4.94M | 88.23% |
| 2 | The Bank Of New York Mellon Trust Company, National Association | Los Angeles, CA | $1.37B | $2.23M | 80.65% |
| 3 | Northwestern Mutual Wealth Management | Milwaukee, WI | $557.73M | $50.50M | 67.27% |
| 4 | Square Financial Services, Inc. | Salt Lake City, UT | $2.06B | $559.35M | 65.80% |
| 5 | Stafford Savings Bank | Stafford Springs, CT | $507.04M | $202.25M | 48.93% |
| 6 | Colonial Savings, F.A. | Fort Worth, TX | $501.79M | $255.28M | 47.41% |
| 7 | Btg Pactual Bank, National Association | New York, NY | $978.32M | $460.38M | 46.84% |
| 8 | First Credit Bank | Los Angeles, CA | $515.84M | $265.29M | 46.79% |
| 9 | First Electronic Bank | Salt Lake City, UT | $502.86M | $285.63M | 39.44% |
| 10 | Thrivent Bank | Salt Lake City, UT | $905.60M | $548.05M | 36.71% |
| 11 | Maspeth Federal Savings And Loan Association | Maspeth, NY | $2.21B | $1.40B | 34.92% |
| 12 | Monet Bank | Plano, TX | $3.16B | $912.99M | 31.55% |
| 13 | M C Bank & Trust Company | Morgan City, LA | $709.98M | $480.55M | 30.54% |
| 14 | Wells Fargo Bank South Central, National Association | Houston, TX | $2.59B | $1.67B | 30.12% |
| 15 | First Piedmont Federal Savings And Loan Association Of Gaffney | Gaffney, SC | $597.12M | $420.48M | 28.88% |
| 16 | Yakima Federal Savings And Loan Association | Yakima, WA | $2.00B | $1.37B | 27.66% |
| 17 | Credit One Bank, National Association | Las Vegas, NV | $2.44B | $1.44B | 27.10% |
| 18 | New Omni Bank, National Association | Alhambra, CA | $517.94M | $373.76M | 27.01% |
| 19 | Hana Bank Usa, National Association | Fort Lee, NJ | $835.24M | $588.23M | 26.91% |
| 20 | Crown Bank | Elizabeth, NJ | $614.28M | $428.27M | 26.71% |
| 21 | Bank Of Utica | Utica, NY | $1.51B | $1.07B | 25.96% |
| 22 | First General Bank | Rowland Heights, CA | $1.17B | $837.77M | 25.80% |
| 23 | Lisle Savings Bank | Lisle, IL | $544.53M | $383.32M | 24.87% |
| 24 | Deutsche Bank Trust Company Americas | New York, NY | $40.53B | $28.15B | 24.53% |
| 25 | Hatboro Federal Savings, Fa | Hatboro, PA | $597.77M | $443.98M | 24.14% |
| 26 | The Berkshire Bank | New York, NY | $529.98M | $397.51M | 24.06% |
| 27 | Beal Bank Usa | Las Vegas, NV | $11.05B | $1.65B | 23.91% |
| 28 | First National Bank | Fort Pierre, SD | $2.03B | $1.51B | 23.44% |
| 29 | Liberty Bank For Savings | Chicago, IL | $868.65M | $656.80M | 23.39% |
| 30 | Evertrust Bank | City Of Industry, CA | $1.13B | $848.57M | 23.25% |
| 31 | Eaglemark Savings Bank | Reno, NV | $755.67M | $519.41M | 23.16% |
| 32 | First Commercial Bank (Usa) | Alhambra, CA | $849.87M | $646.75M | 23.04% |
| 33 | Farmers Bank & Trust | Great Bend, KS | $1.05B | $699.09M | 23.01% |
| 34 | Heritage Bank | Wood River, NE | $611.64M | $420.54M | 22.68% |
| 35 | American Momentum Bank | College Station, TX | $2.85B | $2.18B | 22.15% |
| 36 | Emigrant Bank | Miami, FL | $5.68B | $4.18B | 21.21% |
| 37 | Mutualone Bank | Framingham, MA | $1.22B | $924.50M | 21.12% |
| 38 | Fifth District Savings Bank | New Orleans, LA | $531.77M | $414.82M | 20.91% |
| 39 | The Bank Of Southside Virginia | Carson, VA | $670.32M | $489.15M | 20.89% |
| 40 | Versabank Usa National Association | Holdingford, MN | $911.92M | $675.83M | 20.58% |
| 41 | First Eagle Bank | Chicago, IL | $649.62M | $467.95M | 20.35% |
| 42 | International Bank Of Commerce | Laredo, TX | $10.19B | $6.63B | 20.27% |
| 43 | Cape Ann Savings Bank | Gloucester, MA | $1.07B | $804.82M | 20.24% |
| 44 | Hamlin Bank And Trust Company | Smethport, PA | $503.39M | $389.30M | 20.17% |
| 45 | Fidelity Bank | New Orleans, LA | $1.23B | $857.62M | 19.87% |
| 46 | National Exchange Bank And Trust | Fond Du Lac, WI | $2.89B | $2.26B | 19.77% |
| 47 | Bank Of Stockton | Stockton, CA | $4.99B | $3.80B | 19.53% |
| 48 | First State Bank Of Blakely | Blakely, GA | $668.20M | $533.31M | 19.48% |
| 49 | First Savings Bank | Beresford, SD | $1.59B | $1.27B | 19.30% |
| 50 | Wells Fargo National Bank West | Las Vegas, NV | $8.77B | $6.93B | 19.19% |
| 51 | Walpole Co-Operative Bank | Walpole, MA | $646.47M | $509.22M | 18.98% |
| 52 | Rosedale Bank | Nottingham, MD | $1.36B | $1.10B | 18.78% |
| 53 | Bayvanguard Bank | Baltimore, MD | $868.71M | $689.12M | 18.72% |
| 54 | Scale Bank | Edina, MN | $626.68M | $423.14M | 18.63% |
| 55 | Asian Bank | Philadelphia, PA | $685.89M | $456.79M | 18.52% |
| 56 | Prosperity Bank | El Campo, TX | $43.88B | $32.93B | 18.48% |
| 57 | Homestead Bank | Cozad, NE | $537.00M | $413.62M | 18.43% |
| 58 | The Torrington Savings Bank | Torrington, CT | $1.00B | $803.16M | 18.33% |
| 59 | Watertown Savings Bank | Watertown, NY | $970.99M | $784.29M | 18.30% |
| 60 | Piedmont Federal Savings Bank | Winston Salem, NC | $1.32B | $973.73M | 18.28% |
| 61 | Legends Bank | Linn, MO | $635.54M | $515.22M | 18.25% |
| 62 | Citizens 1St Bank | Tyler, TX | $810.98M | $615.54M | 18.23% |
| 63 | Hancock County Savings Bank, F.S.B. | Chester, WV | $508.03M | $401.21M | 18.19% |
| 64 | Lindell Bank & Trust Company | St. Louis, MO | $915.17M | $707.21M | 18.03% |
| 65 | John Deere Financial, F.S.B. | Middleton, WI | $4.93B | $1.56B | 17.96% |
| 66 | Franklin Savings Bank | Farmington, ME | $786.86M | $601.11M | 17.94% |
| 67 | Finwise Bank | Murray, UT | $915.48M | $722.98M | 17.92% |
| 68 | Peoples Community Bank | Greenville, MO | $735.22M | $599.83M | 17.87% |
| 69 | Cenlar FSB | Ewing, NJ | $782.04M | $442.76M | 17.85% |
| 70 | First Citizens State Bank | Whitewater, WI | $525.24M | $355.30M | 17.70% |
| 71 | Eastern Michigan Bank | Croswell, MI | $553.62M | $453.66M | 17.66% |
| 72 | Merrick Bank | South Jordan, UT | $9.13B | $7.41B | 17.63% |
| 73 | Industrial And Commercial Bank Of China Usa, National Association | New York, NY | $2.86B | $2.21B | 17.43% |
| 74 | Cibc Bank Usa | Chicago, IL | $66.50B | $51.47B | 17.42% |
| 75 | Celtic Bank | Salt Lake City, UT | $5.33B | $3.90B | 17.40% |
| 76 | Albank National Association | Chicago, IL | $721.80M | $591.11M | 17.23% |
| 77 | Centennial Bank | Conway, AR | $24.55B | $19.56B | 17.18% |
| 78 | Amg National Trust Bank | Boulder, CO | $722.87M | $591.57M | 17.13% |
| 79 | Stearns Bank National Association | Saint Cloud, MN | $3.27B | $2.39B | 17.12% |
| 80 | Cedar Rapids Bank And Trust Company | Cedar Rapids, IA | $2.90B | $2.08B | 16.86% |
| 81 | Home Federal Bank Of Tennessee | Knoxville, TN | $2.73B | $2.12B | 16.84% |
| 82 | Nbkc Bank | Leawood, KS | $1.24B | $1.01B | 16.84% |
| 83 | First National Banker'S Bank | Baton Rouge, LA | $982.97M | $383.90M | 16.83% |
| 84 | Webbank | Salt Lake City, UT | $2.86B | $2.26B | 16.75% |
| 85 | Malaga Bank F.S.B. | Palos Verdes Peninsula, CA | $1.45B | $942.08M | 16.71% |
| 86 | United Bank | Fairfax, VA | $33.64B | $27.34B | 16.69% |
| 87 | Liberty National Bank | Sioux City, IA | $624.38M | $457.28M | 16.67% |
| 88 | Northeast Community Bank | White Plains, NY | $2.11B | $1.54B | 16.66% |
| 89 | Bank Of New England | Salem, NH | $1.82B | $1.49B | 16.61% |
| 90 | Mt. Mckinley Bank | Fairbanks, AK | $635.23M | $523.71M | 16.54% |
| 91 | Guaranty Bank | Springfield, MO | $2.38B | $1.88B | 16.54% |
| 92 | Plains State Bank | Humble, TX | $828.40M | $685.75M | 16.53% |
| 93 | Slovenian Savings And Loan Association Of Canonsburg | Strabane, PA | $626.99M | $522.61M | 16.49% |
| 94 | Lake Shore Bank | Dunkirk, NY | $735.88M | $599.08M | 16.49% |
| 95 | State Bank Of Texas | Irving, TX | $2.59B | $2.14B | 16.43% |
| 96 | First State Bank | Russellville, AR | $665.37M | $547.05M | 16.35% |
| 97 | The Falls City National Bank | Falls City, TX | $597.11M | $498.01M | 16.34% |
| 98 | Atlantic Community Bankers Bank | Camp Hill, PA | $942.04M | $566.23M | 16.29% |
| 99 | Harmony Bank | Dallas, TX | $855.27M | $707.66M | 16.27% |
| 100 | 1St Financial Bank Usa | Dakota Dunes, SD | $1.40B | $1.09B | 16.23% |
Source: FDIC BankFind. See methodology for definitions and minimum-size filters.
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