Asset Tier
Largest US Banks (≥ $100B in assets)
$100B and above in total assets
The largest US commercial banks — generally the G-SIB and Category I–II institutions whose balance sheets exceed $100 billion. These banks face the highest regulatory capital surcharges, the most intensive supervisory oversight, and the stress-testing requirements set by the Federal Reserve.
The Largest US Banks (≥ $100B in assets) tier spans 33 US commercial banks, holding $19.09T in combined assets and $14.71T in deposits. The largest is JPMorgan Chase Bank, N.A. ($4.02T) — about 21% of the group's total banking assets , followed by Bank of America, N.A. and Citibank, N.A. . Across these banks, the asset-weighted return on assets is 1.25% and the median CET1 capital ratio is 12.88% .
Largest by Assets
| Bank | HQ | Assets | ROA | NIM | Eff. | CET1 | NPL | Texas |
|---|---|---|---|---|---|---|---|---|
| JPMORGAN CHASE BANK, NATIONAL ASSOCIATION | COLUMBUS , OH | $4.02T | 1.43% | 2.80% | 54.4% | 15.08% | 0.91% | 5.4% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | CHARLOTTE , NC | $2.67T | 1.11% | 2.44% | 54.0% | 12.17% | 0.75% | 5.6% |
| CITIBANK, N.A. | SIOUX FALLS , SD | $1.93T | 1.04% | 2.91% | 51.0% | 14.95% | 0.58% | 4.0% |
| WELLS FARGO BANK, NATIONAL ASSOCIATION | SIOUX FALLS , SD | $1.85T | 1.31% | 3.09% | 56.4% | 12.58% | 1.16% | 9.2% |
| GOLDMAN SACHS BANK USA | NEW YORK , NY | $751.78B | 1.10% | 1.61% | 39.4% | 14.05% | 0.95% | 4.1% |
| U.S. BANK NATIONAL ASSOCIATION | CINCINNATI , OH | $683.38B | 1.18% | 2.84% | 55.1% | 12.88% | 1.00% | 15.0% |
| CAPITAL ONE, NATIONAL ASSOCIATION | MC LEAN , VA | $672.01B | 1.38% | 7.92% | 49.9% | 13.73% | 1.55% | 15.2% |
| PNC BANK, NATIONAL ASSOCIATION | WILMINGTON , DE | $567.95B | 1.32% | 3.05% | 56.4% | 11.63% | 1.51% | 10.8% |
| TRUIST BANK | CHARLOTTE , NC | $541.18B | 1.16% | 3.11% | 50.9% | 11.93% | 1.29% | 10.1% |
| BANK OF NEW YORK MELLON, THE | NEW YORK , NY | $467.35B | 1.49% | 1.66% | 58.6% | 14.38% | 0.29% | 0.8% |
| MORGAN STANLEY BANK, N.A. | SALT LAKE CITY , UT | $391.31B | 1.38% | 1.40% | 36.5% | 19.54% | 1.21% | 3.2% |
| STATE STREET BANK AND TRUST COMPANY | BOSTON , MA | $386.55B | 0.88% | 1.31% | 71.0% | 14.70% | 0.57% | 1.4% |
| TD BANK, NATIONAL ASSOCIATION | WILMINGTON , DE | $345.61B | 0.72% | 3.16% | 66.4% | 18.28% | 1.06% | 5.1% |
| FIFTH THIRD BANK, NATIONAL ASSOCIATION | CINCINNATI , OH | $296.12B | 0.59% | 3.43% | 74.0% | 11.73% | 0.90% | 6.5% |
| HUNTINGTON NATIONAL BANK, THE | COLUMBUS , OH | $284.14B | 0.98% | 3.32% | 60.8% | 12.05% | 0.90% | 8.2% |
| BMO BANK NATIONAL ASSOCIATION | CHICAGO , IL | $251.96B | 1.16% | 3.20% | 53.3% | 14.99% | 1.72% | 9.1% |
| CHARLES SCHWAB BANK, SSB | WESTLAKE , TX | $242.91B | 1.27% | 2.10% | 18.0% | 33.99% | 0.07% | 0.2% |
| MORGAN STANLEY PRIVATE BANK, NATIONAL ASSOCIATION | PURCHASE , NY | $241.39B | 1.15% | 1.77% | 23.1% | 27.14% | 0.42% | 4.3% |
| FIRST-CITIZENS BANK & TRUST COMPANY | RALEIGH , NC | $235.52B | 0.96% | 3.09% | 65.1% | 12.59% | 1.39% | 9.9% |
| CITIZENS BANK, NATIONAL ASSOCIATION | PROVIDENCE , RI | $227.13B | 0.95% | 3.18% | 61.4% | 12.12% | 1.90% | 16.7% |
| AMERICAN EXPRESS NATIONAL BANK | SANDY , UT | $217.57B | 3.67% | 8.17% | 70.6% | 10.96% | 2.12% | 16.7% |
| MANUFACTURERS AND TRADERS TRUST COMPANY | BUFFALO , NY | $214.20B | 1.27% | 3.80% | 55.7% | 11.98% | 1.54% | 13.6% |
| KEYBANK NATIONAL ASSOCIATION | CLEVELAND , OH | $185.98B | 1.25% | 3.02% | 54.1% | 12.49% | 1.06% | 7.9% |
| ALLY BANK | SANDY , UT | $185.66B | 1.11% | 3.96% | 50.0% | 12.38% | 1.52% | 11.2% |
| NORTHERN TRUST COMPANY, THE | CHICAGO , IL | $173.84B | 1.24% | 1.72% | 68.0% | 11.63% | 0.16% | 1.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | TYSONS , VA | $167.71B | 0.89% | 1.65% | 55.1% | 16.04% | 1.68% | 5.8% |
| REGIONS BANK | BIRMINGHAM , AL | $159.43B | 1.45% | 3.67% | 54.0% | 11.70% | 0.94% | 8.4% |
| Discover Bank | Greenwood , DE | $145.41B | 2.88% | 10.01% | 34.1% | 11.91% | 4.37% | 31.3% |
| PINNACLE BANK | NASHVILLE , TN | $122.63B | 0.76% | 3.47% | 65.0% | 10.53% | 0.57% | 4.8% |
| UBS BANK USA, NATIONAL ASSOCIATION | SALT LAKE CITY , UT | $122.26B | 1.06% | 1.98% | 28.1% | 26.46% | 0.13% | 1.2% |
| SYNCHRONY BANK | DRAPER , UT | $114.86B | 2.62% | 11.88% | 35.9% | 14.22% | 1.04% | 13.4% |
| USAA FEDERAL SAVINGS BANK | PHOENIX , AZ | $109.67B | 0.85% | 4.99% | 69.2% | 16.69% | 1.21% | 7.2% |
| SANTANDER BANK, NATIONAL ASSOCIATION | WILMINGTON , DE | $106.09B | 1.01% | 2.89% | 53.4% | 19.72% | 4.70% | 20.1% |
Other asset tiers
Data sourced from FFIEC call reports — current as of Q1 2026. See /data-updates/ for the full refresh schedule.
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