Which US bank has the highest cet1-ratio?

As of the most recent FFIEC call report filing, CIBC NATIONAL TRUST COMPANY ranks #1 on this leaderboard. The Common Equity Tier 1 (CET1) ratio is the most-watched US bank capital metric, measuring common equity against risk-weighted assets.

Capital

US Banks with Highest CET1 Capital Ratio

#1 CET1 Capital Ratio:CIBC NATIONAL TRUST COMPANY — 198.55%. The Common Equity Tier 1 (CET1) ratio is the most-watched US bank capital metric, measuring common equity against risk-weighted assets.

Population: 3,782 banksShowing: Top 100Source: FFIEC call reports (Q4 2025)What is this metric?See the US Banks with … glossary entry

#	Bank	HQ	US Banks with …	Total Assets ($K)
1	CIBC NATIONAL TRUST COMPANY	ATLANTA, GA	198.55%	397,240.0
2	BTG PACTUAL BANK, NATIONAL ASSOCIATION	NEW YORK, NY	197.28%	887,785.0
3	COLONIAL SAVINGS, FA	FORT WORTH, TX	189.47%	675,249.0
4	COMPUTERSHARE TRUST COMPANY, NATIONAL ASSOCIATION	CANTON, MA	185.24%	1,095,378.0
5	MONET BANK	PLANO, TX	171.75%	3,548,056.0
6	BNY MELLON TRUST OF DELAWARE	WILMINGTON, DE	157.81%	241,941.0
7	VANGUARD NATIONAL TRUST COMPANY, NATIONAL ASSOCIATION	MALVERN, PA	157.12%	173,449.0
8	FIDELITY STATE BANK AND TRUST COMPANY, THE	DODGE CITY, KS	144.72%	203,114.0
9	CAPITAL BANK AND TRUST COMPANY	IRVINE, CA	142.12%	191,417.0
10	FIRST ELECTRONIC BANK	SALT LAKE CITY, UT	141.36%	482,146.0
11	NATIONWIDE TRUST COMPANY, FSB	COLUMBUS, OH	129.64%	166,878.0
12	SYNOVUS TRUST COMPANY, NATIONAL ASSOCIATION	COLUMBUS, GA	114.39%	168,788.0
13	BLACKROCK INSTITUTIONAL TRUST COMPANY, NATIONAL ASSOCIATION	SAN FRANCISCO, CA	114.00%	4,820,183.0
14	U.S. BANK TRUST NATIONAL ASSOCIATION SD	SIOUX FALLS, SD	99.24%	184,788.0
15	WELLS FARGO DELAWARE TRUST COMPANY, NATIONAL ASSOCIATION	WILMINGTON, DE	99.17%	237,696.0
16	U.S. BANK TRUST NATIONAL ASSOCIATION	WILMINGTON, DE	98.53%	906,490.0
17	WINTRUST PRIVATE TRUST COMPANY, NATIONAL ASSOCIATION	LAKE FOREST, IL	98.34%	135,591.0
18	WELLS FARGO TRUST COMPANY, NATIONAL ASSOCIATION	OGDEN, UT	95.62%	1,316,566.0
19	SQUARE FINANCIAL SERVICES, INC.	SALT LAKE CITY, UT	95.10%	1,694,247.0
20	DEUTSCHE BANK TRUST COMPANY DELAWARE	NEWARK, DE	93.63%	140,278.0
21	EDWARD JONES TRUST COMPANY	SAINT LOUIS, MO	93.08%	150,710.0
22	SEI PRIVATE TRUST COMPANY	OAKS, PA	91.34%	241,350.0
23	FIRST NATIONAL BANK OF MERTZON, THE	MERTZON, TX	90.37%	487,060.0
24	DEUTSCHE BANK TRUST COMPANY, NATIONAL ASSOCIATION	NEW YORK, NY	90.29%	165,875.0
25		NoneNone	90.28%	125,335.0
26	DEPOSITORY TRUST COMPANY, THE	BROOKLYN, NY	90.28%	3,983,136.0
27	U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION	PORTLAND, OR	89.27%	2,788,628.0
28	WILMINGTON TRUST, NATIONAL ASSOCIATION	WILMINGTON, DE	86.62%	772,799.0
29	CHARLES SCHWAB TRUST BANK	WESTLAKE, TX	85.96%	10,434,593.0
30	BERKSHIRE BANK, THE	NEW YORK, NY	84.72%	536,341.0
31	GOLDMAN SACHS TRUST COMPANY, NATIONAL ASSOCIATION, THE	WILMINGTON, DE	75.73%	138,413.0
32	GLENMEDE TRUST COMPANY, NATIONAL ASSOCIATION, THE	PHILADELPHIA, PA	74.22%	207,130.0
33	WELLS FARGO BANK SOUTH CENTRAL, NATIONAL ASSOCIATION	HOUSTON, TX	71.72%	2,815,071.0
34	APPLIED BANK	WILMINGTON, DE	69.23%	262,658.0
35	NATBANK, NATIONAL ASSOCIATION	HOLLYWOOD, FL	67.27%	278,951.0
36	ANCHORAGE DIGITAL BANK NATIONAL ASSOCIATION	SIOUX FALLS, SD	66.96%	942,308.0
37	TIAA TRUST, NATIONAL ASSOCIATION	CHARLOTTE, NC	65.67%	308,714.0
38	NORTHWESTERN MUTUAL WEALTH MANAGEMENT COMPANY	MILWAUKEE, WI	59.49%	465,274.0
39	LIBERTY BANK FOR SAVINGS	CHICAGO, IL	58.71%	856,258.0
40	WELLS FARGO NATIONAL BANK WEST	LAS VEGAS, NV	57.38%	9,005,208.0
41	FIRST STATE BANK	SOCORRO, NM	57.19%	208,728.0
42	DEUTSCHE BANK TRUST COMPANY AMERICAS	NEW YORK, NY	56.62%	43,031,000.0
43	THRIVENT BANK	SALT LAKE CITY, UT	56.10%	996,465.0
44	BEAL BANK USA	LAS VEGAS, NV	53.51%	14,512,815.0
45	EL DORADO SAVINGS BANK, F.S.B.	PLACERVILLE, CA	52.77%	2,474,106.0
46	SEWICKLEY SAVINGS BANK	SEWICKLEY, PA	52.71%	316,160.0
47	BATTLE BANK, NATIONAL ASSOCIATION	UPSALA, MN	52.09%	118,567.0
48	STIFEL TRUST COMPANY DELAWARE, NATIONAL ASSOCIATION	GREENVILLE, DE	51.67%	357,541.0
49	DEUTSCHE BANK NATIONAL TRUST COMPANY	LOS ANGELES, CA	50.90%	541,265.0
50	COLUMBUS STATE BANK	COLUMBUS, TX	50.56%	333,214.0
51	GREENE COUNTY COMMERCIAL BANK	CATSKILL, NY	50.19%	1,304,624.0
52	BANK OF ALMA	ALMA, WI	49.96%	334,062.0
53	BESSEMER TRUST COMPANY	WOODBRIDGE, NJ	49.45%	1,863,938.0
54	FIRST CREDIT BANK	WEST HOLLYWOOD, CA	49.07%	500,519.0
55	BANK OF THE FEDERATED STATES OF MICRONESIA	POHNPEI, 0	48.78%	270,937.0
56	FARMERS BUILDING AND SAVINGS BANK	ROCHESTER, PA	46.83%	120,160.0
57	TOUCHMARK NATIONAL BANK	ALPHARETTA, GA	45.82%	418,375.0
58	BANK OF NEW YORK MELLON TRUST COMPANY, NATIONAL ASSOCIATION, THE	LOS ANGELES, CA	45.51%	1,351,491.0
59	HANA BANK USA, NATIONAL ASSOCIATION	FORT LEE, NJ	45.11%	799,671.0
60	VERSABANK USA, NATIONAL ASSOCIATION	HOLDINGFORD, MN	43.87%	747,739.0
61	CHAIN BRIDGE BANK, NATIONAL ASSOCIATION	MC LEAN, VA	43.49%	1,750,321.0
62	PEOPLES NATIONAL BANK OF CHECOTAH, THE	CHECOTAH, OK	42.99%	169,063.0
63	ELIZABETHTON FEDERAL SAVINGS BANK	ELIZABETHTON, TN	42.46%	318,795.0
64	CATALYST BANK	OPELOUSAS, LA	42.45%	279,648.0
65	CHARLES SCHWAB PREMIER BANK, SSB	WESTLAKE, TX	42.00%	27,022,000.0
66	HATBORO FEDERAL SAVINGS	HATBORO, PA	41.99%	585,529.0
67	BANKMIAMI	CORAL GABLES, FL	41.63%	183,349.0
68	FULTON SAVINGS BANK	FULTON, NY	41.28%	489,503.0
69	FIFTH DISTRICT SAVINGS BANK	NEW ORLEANS, LA	41.17%	534,239.0
70	STIFEL TRUST COMPANY NATIONAL ASSOCIATION	SAINT LOUIS, MO	41.12%	924,891.0
71	RBC BANK (GEORGIA), NATIONAL ASSOCIATION	ATLANTA, GA	41.11%	8,044,396.0
72	SUMITOMO MITSUI TRUST BANK (U.S.A.) LIMITED	HOBOKEN, NJ	41.04%	3,773,287.0
73	FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF DELTA	DELTA, OH	40.81%	242,165.0
74	CENLAR FSB	EWING, NJ	40.75%	899,183.0
75	NEW ALBIN SAVINGS BANK	NEW ALBIN, IA	40.52%	343,927.0
76	FARMERS AND MERCHANTS BANK OF SOUTH CAROLINA	HOLLY HILL, SC	40.41%	495,356.0
77	FIRST NATIONAL BANK OF STERLING CITY, THE	STERLING CITY, TX	39.17%	245,322.0
78	ROXBORO SAVINGS BANK, SSB	ROXBORO, NC	38.91%	349,767.0
79	G.W. JONES EXCHANGE BANK	MARCELLUS, MI	38.37%	111,671.0
80	FIRST NATIONAL BANK OF WILLIAMSON, THE	WILLIAMSON, WV	37.98%	118,521.0
81	FIRST SECURITY BANK - SLEEPY EYE	SLEEPY EYE, MN	37.67%	193,139.0
82	BANK OF MONTANA	MISSOULA, MT	37.50%	285,127.0
83	EUREKA SAVINGS BANK	LA SALLE, IL	37.48%	431,465.0
84	OKLAHOMA BANK AND TRUST COMPANY	CLINTON, OK	37.31%	208,751.0
85	CITIZENS 1ST BANK	TYLER, TX	36.89%	819,767.0
86	BANK OF AMERICA CALIFORNIA, NATIONAL ASSOCIATION	SAN FRANCISCO, CA	36.85%	15,505,000.0
87	FIRST FEDERAL SAVINGS OF MIDDLETOWN	MIDDLETOWN, NY	36.79%	181,779.0
88	FIRST NATIONAL BANK OF GORDON, THE	GORDON, NE	36.78%	364,135.0
89	FIRST NATIONAL BANK OF LIVINGSTON, THE	LIVINGSTON, TX	36.51%	442,078.0
90	AUSTIN CAPITAL BANK SSB	AUSTIN, TX	36.49%	469,187.0
91	FIRST AMERICAN TRUST, FSB	SANTA ANA, CA	36.39%	6,769,876.0
92	CHARLES SCHWAB BANK, SSB	WESTLAKE, TX	35.93%	253,772,000.0
93	NAVE BANK	SAN JUAN, PR	35.56%	426,981.0
94	HANCOCK COUNTY SAVINGS BANK, F.S.B.	CHESTER, WV	35.29%	482,443.0
95	FIRST NATIONAL BANK OF STANTON, THE	STANTON, TX	35.15%	436,370.0
96	LUSITANIA SAVINGS BANK	NEWARK, NJ	35.13%	403,682.0
97	LAMESA NATIONAL BANK, THE	LAMESA, TX	34.70%	436,744.0
98	BANK OF BROOKFIELD-PURDIN NATIONAL ASSOCIATION	BROOKFIELD, MO	34.63%	112,324.0
99	MASPETH FEDERAL SAVINGS AND LOAN ASSOCIATION	MASPETH, NY	34.57%	2,199,882.0
100	FIRST FEDERAL SAVINGS BANK OF LINCOLNTON	LINCOLNTON, NC	34.40%	477,003.0

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All data sourced from the most recent FFIEC call report filings, refreshed quarterly within 48 hours of FFIEC release. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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