US Bank Industry
US average CET1 capital ratio, Q2 2026
The US banking system's CET1 capital ratio was 13.74% in Q2 2026, for all 4,297 banks that filed a call report combined. The table below has every quarter we serve, Q2 2021 through Q2 2026 (21 quarters).
Common equity tier 1 capital as a percent of risk-weighted assets. Banks that elect the community bank leverage ratio do not report it.
Every quarter
| Quarter | US banking system | Banks filing |
|---|---|---|
| Q2 2026 | 13.74% | 4,297 |
| Q1 2026 | 13.91% | 4,336 |
| Q4 2025 | 14.08% | 4,394 |
| Q3 2025 | 14.26% | 4,435 |
| Q2 2025 | 14.24% | 4,477 |
| Q1 2025 | 14.33% | 4,519 |
| Q4 2024 | 14.26% | 4,543 |
| Q3 2024 | 14.28% | 4,572 |
| Q2 2024 | 14.22% | 4,594 |
| Q1 2024 | 14.02% | 4,623 |
| Q4 2023 | 13.90% | 4,641 |
| Q3 2023 | 13.99% | 4,669 |
| Q2 2023 | 13.80% | 4,697 |
| Q1 2023 | 13.69% | 4,724 |
| Q4 2022 | 13.58% | 4,756 |
| Q3 2022 | 13.50% | 4,796 |
| Q2 2022 | 13.53% | 4,821 |
| Q1 2022 | 13.68% | 4,844 |
| Q4 2021 | 14.06% | 4,887 |
| Q3 2021 | 14.19% | 4,962 |
| Q2 2021 | 14.21% | 4,998 |
How to cite
BankRegReports. "US bank industry CET1 capital ratio, quarterly." Data Q2 2021 to Q2 2026. https://www.bankregreports.com/industry/cet1-ratio/ (retrieved October 23, 2026).
This URL is stable: it always shows the newest quarter, and older quarters stay in the table.
How this is measured. The US banking system figure is each bank's reported CET1 ratio weighted by its risk-weighted assets, so common equity tier 1 capital of all banks over their risk-weighted assets, so a large bank counts in proportion to its size. The average bank's CET1 ratio is not shown: thousands of very small, very highly capitalized banks roughly double the simple mean, so it misstates the typical bank. Both cover every US bank and savings institution that filed a call report for the quarter. A quarter appears once enough banks have filed to describe the industry; until then the newest quarter shown is the one before. A median is not published here yet. Source: FFIEC Consolidated Reports of Condition and Income (call reports).
Related:
- What is the CET1 capital ratio?
- Banks with the highest CET1 ratio
- The State of US Banking
- All US industry history pages
More US industry history:
- US average net interest margin
- US average return on assets
- US average return on equity
- US average efficiency ratio
- US average nonperforming loan ratio
- US average net charge-off ratio
- US average tier 1 leverage ratio
- US average loan-to-deposit ratio
- US average brokered deposit ratio
- US average uninsured deposit ratio
- US average CRE concentration