Asset Tier
Regional Banks ($10B–$100B in assets)
$10B and under $100B in total assets
Regional banks operate across multiple states or a large single-state footprint, with $10B to $100B in total assets. Most fall into Category III or IV under post-2018 regulatory tailoring, with capital and liquidity requirements more modest than the largest institutions but more stringent than community banks.
The Regional Banks ($10B–$100B in assets) tier spans 132 US commercial banks, holding $3.92T in combined assets and $3.20T in deposits. The largest is City National Bank ($99.95B) — about 3% of the group's total banking assets , followed by Western Alliance Bank and Zions Bancorporation, N.A. . Across these banks, the asset-weighted return on assets is 1.21% and the median CET1 capital ratio is 13.02% . 1 bank reports a Texas ratio above 100% — a level often associated with elevated balance-sheet stress.
Banks
132
Total Assets
$3.92T
Total Deposits
$3.20T
Avg ROA
1.21%
Median CET1
13.02%
Largest by Assets
| Bank | HQ | Assets | ROA | NIM | Eff. | CET1 | NPL | Texas |
|---|---|---|---|---|---|---|---|---|
| CITY NATIONAL BANK | LOS ANGELES , CA | $99.95B | 0.73% | 3.15% | 66.7% | 15.06% | 0.84% | 5.1% |
| WESTERN ALLIANCE BANK | PHOENIX , AZ | $98.77B | 0.73% | 3.48% | 58.4% | 11.61% | 1.06% | 27.7% |
| ZIONS BANCORPORATION, NATIONAL ASSOCIATION | SALT LAKE CITY , UT | $87.96B | 1.03% | 3.18% | 63.3% | 11.56% | 1.35% | 12.3% |
| FLAGSTAR BANK, NATIONAL ASSOCIATION | HICKSVILLE , NY | $87.13B | 0.10% | 2.14% | 85.3% | 13.23% | 4.96% | 34.9% |
| WEBSTER BANK, NATIONAL ASSOCIATION | STAMFORD , CT | $85.53B | 1.23% | 3.30% | 45.5% | 12.07% | 1.73% | 13.7% |
| FIRST HORIZON BANK | MEMPHIS , TN | $83.82B | 1.40% | 3.51% | 53.7% | 11.30% | 1.31% | 10.0% |
| EAST WEST BANK | PASADENA , CA | $82.47B | 1.77% | 3.43% | 35.8% | 13.83% | 0.94% | 6.6% |
| Comerica Bank | Dallas , TX | $80.05B | 1.00% | 3.14% | 69.2% | 11.80% | 0.88% | 6.4% |
| OLD NATIONAL BANK | EVANSVILLE , IN | $72.61B | 1.34% | 3.53% | 46.2% | 11.25% | 1.19% | 10.0% |
| UMB BANK, NATIONAL ASSOCIATION | KANSAS CITY , MO | $72.35B | 1.42% | 3.38% | 48.1% | 11.57% | 0.38% | 2.9% |
| SOUTHSTATE BANK, N.A. | WINTER HAVEN , FL | $67.87B | 1.42% | 3.81% | 49.3% | 12.33% | 1.07% | 8.4% |
| COLUMBIA BANK | LAKE OSWEGO , OR | $66.01B | 1.19% | 3.99% | 50.2% | 12.24% | 0.62% | 6.0% |
| CIBC BANK USA | CHICAGO , IL | $65.13B | 1.24% | 3.11% | 36.3% | 16.96% | 1.78% | 8.1% |
| VALLEY NATIONAL BANK | PASSAIC , NJ | $64.39B | 1.06% | 3.22% | 55.0% | 12.42% | 1.21% | 9.2% |
| Synovus Bank | Columbus , GA | $61.20B | 1.22% | 3.51% | 51.7% | 12.02% | 0.70% | 5.9% |
| BANCO POPULAR DE PUERTO RICO | SAN JUAN , PR | $60.62B | 1.29% | 3.84% | 56.1% | 15.75% | 3.02% | 26.8% |
| Cadence Bank | Tupelo , MS | $53.53B | 1.09% | 3.50% | 57.2% | 11.69% | 1.10% | 10.6% |
| BOKF, NATIONAL ASSOCIATION | TULSA , OK | $53.49B | 1.15% | 2.84% | 61.0% | 11.89% | 0.44% | 4.1% |
| FROST BANK | SAN ANTONIO , TX | $52.77B | 1.31% | 3.68% | 62.4% | 14.43% | 0.32% | 2.2% |
| FIRST NATIONAL BANK OF PENNSYLVANIA | GREENVILLE , PA | $50.42B | 1.16% | 3.30% | 53.2% | 11.44% | 0.42% | 3.6% |
| SOFI BANK, NATIONAL ASSOCIATION | COTTONWOOD HEIGHTS , UT | $49.67B | 2.04% | 5.96% | 67.0% | 15.29% | 0.01% | 0.6% |
| EVERBANK, NATIONAL ASSOCIATION | JACKSONVILLE , FL | $47.23B | 0.93% | 2.70% | 51.3% | 12.52% | 0.69% | 13.4% |
| BARCLAYS BANK DELAWARE | WILMINGTON , DE | $46.65B | 1.36% | 10.98% | 60.8% | 14.26% | 0.91% | 10.6% |
| RAYMOND JAMES BANK | SAINT PETERSBURG , FL | $45.74B | 1.60% | 3.24% | 34.9% | 14.52% | 0.43% | 4.4% |
| ASSOCIATED BANK, NATIONAL ASSOCIATION | GREEN BAY , WI | $45.54B | 1.08% | 3.00% | 56.3% | 10.52% | 0.37% | 3.7% |
| PROSPERITY BANK | EL CAMPO , TX | $43.61B | 1.15% | 3.45% | 55.9% | 14.79% | 0.76% | 4.6% |
| MIDFIRST BANK | OKLAHOMA CITY , OK | $42.11B | 1.37% | 2.87% | 53.9% | 18.43% | 1.13% | 158.8% |
| BANK OZK | LITTLE ROCK , AR | $41.66B | 1.60% | 4.06% | 39.3% | 11.60% | 1.01% | 8.1% |
| DEUTSCHE BANK TRUST COMPANY AMERICAS | NEW YORK , NY | $39.74B | 0.89% | 2.60% | 63.3% | 56.66% | 0.95% | 1.6% |
| ATLANTIC UNION BANK | RICHMOND , VA | $37.23B | 1.44% | 3.87% | 50.6% | 13.10% | 0.53% | 4.6% |
| COMMERCE BANK | KANSAS CITY , MO | $35.54B | 1.49% | 3.53% | 59.3% | 15.39% | 0.56% | 3.8% |
| HANCOCK WHITNEY BANK | GULFPORT , MS | $35.53B | 0.57% | 3.54% | 54.1% | 13.05% | 0.81% | 6.4% |
| BANKUNITED, NATIONAL ASSOCIATION | MIAMI LAKES , FL | $35.34B | 0.83% | 3.01% | 55.0% | 12.89% | 1.61% | 17.7% |
| FIRST NATIONAL BANK OF OMAHA | OMAHA , NE | $34.73B | 1.73% | 6.36% | 47.6% | 11.99% | 1.12% | 6.7% |
| BANC OF CALIFORNIA | LOS ANGELES , CA | $34.64B | 0.95% | 3.32% | 58.2% | 13.50% | 2.34% | 15.7% |
| UNITED BANK | FAIRFAX , VA | $33.61B | 1.49% | 3.76% | 46.5% | 13.64% | 0.51% | 3.9% |
| TEXAS CAPITAL BANK | DALLAS , TX | $33.21B | 1.00% | 3.45% | 61.2% | 13.18% | 0.73% | 5.2% |
| TD BANK USA, NATIONAL ASSOCIATION | WILMINGTON , DE | $32.72B | 0.12% | 6.39% | 78.6% | 30.49% | 0.76% | 5.6% |
| FULTON BANK, NATIONAL ASSOCIATION | LANCASTER , PA | $32.11B | 1.24% | 3.58% | 55.7% | 12.94% | 1.01% | 8.6% |
| GLACIER BANK | KALISPELL , MT | $31.72B | 1.10% | 3.82% | 60.1% | 12.89% | 0.36% | 3.0% |
| BNY MELLON, NATIONAL ASSOCIATION | PITTSBURGH , PA | $30.92B | 0.80% | 1.15% | 73.4% | 15.57% | 0.29% | 3.0% |
| EASTERN BANK | BOSTON , MA | $30.62B | 0.86% | 3.54% | 60.7% | 12.29% | 0.88% | 6.5% |
| SALLIE MAE BANK | SALT LAKE CITY , UT | $29.46B | 4.31% | 5.40% | 26.4% | 12.36% | 1.97% | 13.1% |
| FirstBank | Lakewood , CO | $29.36B | 0.77% | 3.92% | 62.5% | 11.15% | 0.53% | 6.6% |
| CITY NATIONAL BANK OF FLORIDA | MIAMI , FL | $28.63B | 1.18% | 2.86% | 44.1% | 14.39% | 1.03% | 8.3% |
| AXOS BANK | SAN DIEGO , CA | $28.24B | 2.22% | 4.77% | 40.9% | 10.90% | 0.41% | 3.5% |
| UNITED COMMUNITY BANK | GREENVILLE , SC | $28.11B | 1.17% | 3.62% | 55.7% | 12.19% | 0.59% | 4.5% |
| ARVEST BANK | FAYETTEVILLE , AR | $28.02B | 0.53% | 3.87% | 82.8% | 11.54% | 0.91% | 9.2% |
| AMERIS BANK | ATLANTA , GA | $28.02B | 1.65% | 3.88% | 46.7% | 13.15% | 0.66% | 4.7% |
| WAFD BANK | SEATTLE , WA | $27.55B | 0.99% | 2.79% | 53.2% | 13.03% | 1.18% | 8.9% |
| CHARLES SCHWAB PREMIER BANK, SSB | WESTLAKE , TX | $27.44B | 1.50% | 2.44% | 14.6% | 37.38% | 0.00% | 0.0% |
| WESBANCO BANK, INC. | WHEELING , WV | $27.42B | 1.36% | 3.57% | 51.1% | 12.32% | 1.01% | 7.9% |
| RENASANT BANK | TUPELO , MS | $27.09B | 1.40% | 3.90% | 51.7% | 12.32% | 1.26% | 9.0% |
| FIRST INTERSTATE BANK | BILLINGS , MT | $26.36B | 1.01% | 3.44% | 59.5% | 13.95% | 1.23% | 8.2% |
| CUSTOMERS BANK | MALVERN , PA | $25.86B | 1.16% | 3.28% | 48.2% | 13.78% | 0.41% | 3.6% |
| AMERIPRISE BANK, FSB | MINNEAPOLIS , MN | $25.51B | 3.05% | 4.40% | 9.7% | 31.18% | 0.18% | 0.3% |
| PROVIDENT BANK | JERSEY CITY , NJ | $25.19B | 1.37% | 3.48% | 46.2% | 12.26% | 0.91% | 6.9% |
| ROCKLAND TRUST COMPANY | ROCKLAND , MA | $24.79B | 1.43% | 3.98% | 51.4% | 14.77% | 0.76% | 4.9% |
| SIMMONS BANK | PINE BLUFF , AR | $24.65B | 1.23% | 3.76% | 54.1% | 10.45% | 0.79% | 7.6% |
| FIRST HAWAIIAN BANK | HONOLULU , HI | $24.27B | 1.15% | 3.13% | 56.3% | 13.07% | 0.31% | 2.5% |
| CATHAY BANK | LOS ANGELES , CA | $24.04B | 1.53% | 3.41% | 39.7% | 13.91% | 0.78% | 6.7% |
| BANK OF HAWAII | HONOLULU , HI | $23.88B | 0.97% | 2.68% | 59.7% | 13.89% | 0.20% | 2.2% |
| TRISTATE CAPITAL BANK | PITTSBURGH , PA | $23.25B | 0.70% | 1.94% | 49.3% | 18.57% | 0.51% | 5.5% |
| CENTENNIAL BANK | CONWAY , AR | $23.03B | 2.17% | 4.42% | 39.6% | 15.12% | 0.59% | 4.7% |
| FIRST FINANCIAL BANK | CINCINNATI , OH | $22.69B | 1.50% | 4.04% | 55.6% | 13.07% | 0.90% | 6.3% |
| TOWNEBANK | PORTSMOUTH , VA | $22.36B | 0.75% | 3.56% | 77.3% | 11.43% | 0.40% | 3.7% |
| BEACON BANK & TRUST | BOSTON , MA | $22.18B | 0.92% | 3.78% | 58.8% | 11.47% | 0.87% | 7.2% |
| WILMINGTON SAVINGS FUND SOCIETY, FSB | WILMINGTON , DE | $22.02B | 1.64% | 3.86% | 55.3% | 14.01% | 1.21% | 9.6% |
| MECHANICS BANK | WALNUT CREEK , CA | $21.40B | 0.87% | 3.65% | 59.9% | 14.96% | 0.34% | 2.8% |
| SEACOAST NATIONAL BANK | STUART , FL | $21.13B | 0.62% | 3.78% | 54.0% | 13.87% | 0.84% | 5.5% |
| FIRST MERCHANTS BANK | MUNCIE , IN | $21.05B | 0.65% | 3.39% | 68.5% | 11.58% | 1.30% | 9.9% |
| OPTUM BANK, INC. | DRAPER , UT | $21.00B | 2.86% | 4.34% | 23.3% | 17.52% | 0.04% | 1.2% |
| CENTRAL TRUST BANK, THE | JEFFERSON CITY , MO | $20.47B | 1.97% | 3.94% | 46.8% | 12.92% | 0.87% | 6.3% |
| MERCHANTS BANK OF INDIANA | CARMEL , IN | $20.26B | 1.48% | 2.94% | 41.7% | 11.93% | 1.62% | 14.5% |
| STIFEL BANK AND TRUST | SAINT LOUIS , MO | $20.06B | 1.82% | 3.81% | 26.8% | 11.45% | 0.70% | 11.0% |
| APPLE BANK | NEW YORK , NY | $19.23B | 0.27% | 2.24% | 82.5% | 11.55% | 0.51% | 5.0% |
| FIRSTBANK PUERTO RICO | SAN JUAN , PR | $19.07B | 1.77% | 4.73% | 48.6% | 15.76% | 0.98% | 7.8% |
| TRUSTMARK BANK | JACKSON , MS | $18.98B | 1.26% | 3.82% | 60.8% | 12.27% | 0.82% | 11.9% |
| BANK OF HOPE | LOS ANGELES , CA | $18.65B | 0.70% | 2.89% | 63.9% | 12.73% | 1.17% | 9.3% |
| SERVISFIRST BANK | HOMEWOOD , AL | $18.17B | 1.88% | 3.49% | 29.6% | 12.05% | 1.38% | 9.3% |
| BUSEY BANK | CHAMPAIGN , IL | $18.01B | 1.21% | 3.70% | 61.1% | 14.06% | 0.75% | 4.7% |
| Pacific Premier Bank, National Association | Irvine , CA | $17.78B | 0.86% | 3.24% | 64.9% | 17.60% | 0.22% | 1.1% |
| Independent Bank | Mckinney , TX | $17.54B | 0.64% | 2.71% | 66.1% | 12.54% | 0.31% | 2.8% |
| THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND | CLEVELAND , OH | $17.47B | 0.53% | 1.79% | 62.7% | 15.89% | 0.25% | 2.3% |
| COMMUNITY BANK, NATIONAL ASSOCIATION | CANTON , NY | $17.43B | 1.15% | 3.39% | 56.7% | 11.98% | 0.42% | 6.6% |
| HTLF Bank | Denver , CO | $17.20B | 0.41% | 3.51% | 61.0% | 14.14% | 1.08% | 8.4% |
| ENTERPRISE BANK & TRUST | CLAYTON , MO | $17.20B | 1.19% | 4.24% | 59.6% | 12.14% | 1.32% | 14.1% |
| NORTHWEST BANK | WARREN , PA | $16.91B | 1.29% | 3.76% | 56.0% | 12.94% | 1.41% | 11.2% |
| FIRSTBANK | NASHVILLE , TN | $16.43B | 1.46% | 3.90% | 52.7% | 11.81% | 0.92% | 9.7% |
| Bremer Bank, National Association | Saint Paul , MN | $16.41B | 0.84% | 2.94% | 61.0% | 12.36% | 0.92% | 7.5% |
| FIRST UNITED BANK AND TRUST COMPANY | DURANT , OK | $16.40B | 0.88% | 3.56% | 69.8% | 12.37% | 2.23% | 22.6% |
| BANNER BANK | WALLA WALLA , WA | $16.34B | 1.37% | 4.04% | 57.5% | 12.91% | 0.54% | 4.1% |
| TOYOTA FINANCIAL SAVINGS BANK | HENDERSON , NV | $16.10B | 0.45% | 0.98% | 83.4% | 16.21% | 0.16% | 0.8% |
| NBT BANK, NATIONAL ASSOCIATION | NORWICH , NY | $16.09B | 1.19% | 3.73% | 57.9% | 12.06% | 0.51% | 4.1% |
| NICOLET NATIONAL BANK | GREEN BAY , WI | $15.55B | 0.62% | 3.99% | 73.4% | 11.10% | 0.65% | 5.4% |
| CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION | ONTARIO , CA | $15.51B | 1.32% | 3.35% | 43.4% | 16.06% | 0.30% | 1.6% |
| FIRST FINANCIAL BANK | ABILENE , TX | $15.32B | 1.74% | 3.73% | 43.6% | 18.26% | 0.63% | 3.5% |
| LIVE OAK BANKING COMPANY | WILMINGTON , NC | $15.23B | 0.89% | 3.28% | 55.3% | 10.61% | 4.78% | 46.2% |
| BANK OF AMERICA CALIFORNIA, NATIONAL ASSOCIATION | SAN FRANCISCO , CA | $15.13B | 0.73% | 1.77% | 44.1% | 37.26% | 0.67% | 3.5% |
| DIME COMMERCIAL BANK | BRIDGEHAMPTON , NY | $14.99B | 0.98% | 3.28% | 49.6% | 14.62% | 1.49% | 9.8% |
| POPULAR BANK | NEW YORK , NY | $14.95B | 0.98% | 3.12% | 54.8% | 14.24% | 0.85% | 5.3% |
| BELL BANK | FARGO , ND | $14.82B | 0.95% | 2.77% | 71.2% | 11.51% | 1.01% | 8.3% |
| OCEANFIRST BANK, NATIONAL ASSOCIATION | TOMS RIVER , NJ | $14.47B | 0.72% | 2.98% | 67.1% | 11.73% | 0.45% | 4.6% |
| CONNECTONE BANK | ENGLEWOOD CLIFFS , NJ | $14.20B | 1.20% | 3.47% | 45.0% | 12.35% | 0.83% | 6.6% |
| ISRAEL DISCOUNT BANK OF NEW YORK | NEW YORK , NY | $13.99B | 0.73% | 2.82% | 67.2% | 14.15% | 2.61% | 16.7% |
| Sandy Spring Bank | Olney , MD | $13.77B | 0.06% | 2.70% | 80.2% | 13.96% | 1.32% | 11.2% |
| NEXBANK | DALLAS , TX | $13.44B | 1.32% | 2.32% | 48.8% | 15.17% | 1.26% | 15.8% |
| COMENITY CAPITAL BANK | DRAPER , UT | $13.31B | 1.78% | 17.85% | 54.5% | 13.45% | 1.42% | 19.1% |
| BEAL BANK USA | LAS VEGAS , NV | $13.03B | 2.76% | 2.83% | 13.4% | 52.82% | 4.01% | 5.8% |
| BMW BANK OF NORTH AMERICA | SALT LAKE CITY , UT | $13.01B | 2.22% | 2.94% | 17.3% | 14.88% | 0.08% | 0.4% |
| FIRST BANK | SOUTHERN PINES , NC | $12.94B | 1.50% | 3.69% | 47.4% | 14.74% | 0.47% | 3.1% |
| PARK NATIONAL BANK, THE | NEWARK , OH | $12.93B | 1.90% | 4.81% | 54.1% | 12.07% | 1.31% | 11.4% |
| BANCFIRST | OKLAHOMA CITY , OK | $12.80B | 1.68% | 3.66% | 51.6% | 16.59% | 0.91% | 5.8% |
| Veritex Community Bank | Dallas , TX | $12.71B | 0.63% | 3.42% | 62.9% | 11.78% | 1.84% | 13.0% |
| NBH BANK | GREENWOOD VILLAGE , CO | $12.56B | 0.92% | 3.95% | 62.7% | 12.20% | 0.74% | 8.3% |
| DOLLAR BANK, FEDERAL SAVINGS BANK | PITTSBURGH , PA | $12.48B | 0.60% | 3.12% | 73.2% | 15.46% | 1.99% | 14.5% |
| PLAINSCAPITAL BANK | UNIVERSITY PARK , TX | $12.44B | 1.07% | 3.31% | 74.8% | 12.71% | 1.23% | 13.4% |
| FIRST COMMONWEALTH BANK | INDIANA , PA | $12.23B | 1.29% | 3.87% | 54.2% | 12.01% | 1.26% | 9.9% |
| SAFRA NATIONAL BANK OF NEW YORK | NEW YORK , NY | $12.15B | 0.94% | 2.00% | 63.4% | 23.54% | 0.00% | 0.0% |
| STIFEL BANK | SAINT LOUIS , MO | $12.14B | 1.49% | 2.66% | 30.5% | 11.69% | 0.02% | 0.2% |
| Berkshire Bank | Pittsfield , MA | $12.03B | 1.09% | 3.34% | 55.7% | 12.99% | 1.01% | 7.9% |
| ORIENTAL BANK | SAN JUAN , PR | $11.97B | 1.76% | 5.34% | 49.3% | 13.17% | 1.51% | 13.7% |
| FARMERS AND MERCHANTS BANK OF LONG BEACH | LONG BEACH , CA | $11.86B | 0.74% | 2.68% | 63.7% | 18.23% | 0.16% | 0.6% |
| HAPPEN BANK, NATIONAL ASSOCIATION | LEHI , UT | $11.85B | 1.76% | 6.26% | 73.1% | 15.48% | 1.40% | 6.5% |
| First Foundation Bank | Irvine , CA | $11.34B | -0.31% | 1.21% | 98.2% | 15.27% | 0.83% | 5.3% |
| COLUMBIA BANK | FAIR LAWN , NJ | $11.01B | 0.53% | 2.37% | 66.4% | 13.38% | 0.72% | 6.2% |
| Stellar Bank | Houston , TX | $10.89B | 1.13% | 4.12% | 58.2% | 13.56% | 1.09% | 8.0% |
| WASHINGTON TRUST BANK | SPOKANE , WA | $10.70B | 1.23% | 3.77% | 65.5% | 11.97% | 0.73% | 4.7% |
| CHARLES SCHWAB TRUST BANK | WESTLAKE , TX | $10.42B | 1.95% | 2.43% | 27.2% | 79.59% | — | 0.0% |
| AMARILLO NATIONAL BANK | AMARILLO , TX | $10.23B | 1.72% | 3.89% | 48.6% | 13.02% | 1.33% | 8.5% |
| ORIGIN BANK | CHOUDRANT , LA | $10.09B | 1.04% | 3.64% | 57.8% | 12.78% | 1.59% | 11.2% |
| CENTIER BANK | MERRILLVILLE , IN | $10.08B | 1.50% | 3.56% | 49.8% | 12.63% | 0.67% | 5.1% |
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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