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Capital · Michigan

US Banks with Highest CET1 Capital Ratio in Michigan

Ranked among banks headquartered in Michigan. Re-ranked 1-44 within the state from the same national ranking population.

#1 CET1 Capital Ratio: COMERICA BANK & TRUST, NATIONAL ASSOCIATION — 267.22% . The Common Equity Tier 1 (CET1) ratio is the most-watched US bank capital metric, measuring common equity against risk-weighted assets.

Ranked: 44 banks with reported data Showing: Top 44 Source: FFIEC call reports (Q1 2026) What is this metric? See the US Banks with … glossary entry
# Bank HQ US Banks with … Total Assets
1 Comerica Bank & Trust, N.A. Ann Arbor , MI 267.22% $125.3M
2 G.W. Jones Exchange Bank Marcellus , MI 39.67% $107.9M
3 Century Bank and Trust Coldwater , MI 22.98% $495.0M
4 Kalamazoo County State Bank Schoolcraft , MI 20.09% $120.9M
5 Lake-osceola State Bank Baldwin , MI 19.19% $481.4M
6 Chelsea State Bank Chelsea , MI 18.70% $422.3M
7 Charlevoix State Bank Charlevoix , MI 18.50% $245.3M
8 Auto Club Trust, FSB Dearborn , MI 17.94% $466.1M
9 Commercial Bank Ithaca , MI 17.62% $564.4M
10 Superior National Bank Hancock , MI 17.56% $1.05B
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11 Eastern Michigan Bank Croswell , MI 17.12% $567.8M
12 First Bank, Upper Michigan Gladstone , MI 16.11% $632.1M
13 First National Bank of Saint Ignace, the Saint Ignace , MI 16.03% $334.4M
14 First National Bank & Trust Iron Mountain , MI 15.39% $413.8M
15 First National Bank of America East Lansing , MI 15.17% $6.76B
16 Range Bank Marquette , MI 15.17% $619.8M
17 1st State Bank Saginaw , MI 14.78% $484.2M
18 Central Savings Bank Sault Sainte Marie , MI 14.62% $488.2M
19 Highpoint Community Bank Hastings , MI 14.59% $597.2M
20 Bank Michigan Brooklyn , MI 14.54% $159.7M
21 Citizens National Bank of Cheboygan Cheboygan , MI 14.36% $463.9M
22 Thumb Bank & Trust Pigeon , MI 13.77% $692.0M
23 Bank of Ann Arbor Ann Arbor , MI 13.54% $3.33B
24 Shelby State Bank, the Shelby , MI 13.51% $391.5M
25 Oxford Bank Oxford , MI 13.29% $902.1M
26 Mercantile Bank Grand Rapids , MI 12.78% $6.36B
27 Grand River Bank Grandville , MI 12.40% $510.5M
28 Honor Bank Honor , MI 12.27% $413.4M
29 The State Bank Fenton , MI 12.08% $1.81B
30 Macatawa Bank, N.A. Holland , MI 12.05% $3.48B
31 First Community Bank Harbor Springs , MI 11.85% $414.0M
32 Choiceone Bank Sparta , MI 11.77% $4.39B
33 West Shore Bank Ludington , MI 11.77% $828.1M
34 Sturgis Bank & Trust Company Sturgis , MI 11.45% $1.01B
35 Independent Bank Grand Rapids , MI 11.43% $5.55B
36 Isabella Bank Mount Pleasant , MI 11.36% $2.20B
37 Dart Bank, the Mason , MI 11.20% $1.37B
38 County National Bank Hillsdale , MI 11.18% $1.33B
39 First National Bank of Michigan Kalamazoo , MI 10.94% $982.4M
40 Northpointe Bank Grand Rapids , MI 10.89% $7.40B
41 Southern Michigan Bank & Trust Coldwater , MI 10.85% $1.70B
42 Huron Valley State Bank Milford , MI 10.78% $286.7M
43 Mi Bank Bloomfield Township , MI 10.36% $256.9M
44 Union Bank Grand Rapids , MI 9.53% $381.1M

More Capital rankings

US Banks with Lowest CET1 Capital Ratio US Banks with Highest Tier 1 Risk-Based Capital Ratio US Banks with Highest Tier 1 Leverage Ratio

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. 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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