Which US bank has the highest leverage-ratio?

Capital

US Banks with Highest Tier 1 Leverage Ratio

#1 Tier 1 Leverage Ratio:BTG PACTUAL BANK, NATIONAL ASSOCIATION — 106.59%. The Tier 1 Leverage Ratio measures Tier 1 capital against unweighted average assets — a simpler backstop that prevents banks from gaming the risk-based capital rules.

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	BTG PACTUAL BANK, NATIONAL ASSOCIATION	NEW YORK, NY	106.59%	887,785.0
2	U.S. BANK TRUST NATIONAL ASSOCIATION SD	SIOUX FALLS, SD	100.38%	184,788.0
3	U.S. BANK TRUST NATIONAL ASSOCIATION	WILMINGTON, DE	99.56%	906,490.0
4	WINTRUST PRIVATE TRUST COMPANY, NATIONAL ASSOCIATION	LAKE FOREST, IL	99.03%	135,591.0
5	EDWARD JONES TRUST COMPANY	SAINT LOUIS, MO	97.26%	150,710.0
6	SYNOVUS TRUST COMPANY, NATIONAL ASSOCIATION	COLUMBUS, GA	97.13%	168,788.0
7	WELLS FARGO DELAWARE TRUST COMPANY, NATIONAL ASSOCIATION	WILMINGTON, DE	96.19%	237,696.0
8	DEUTSCHE BANK TRUST COMPANY DELAWARE	NEWARK, DE	94.77%	140,278.0
9		NoneNone	93.78%	125,335.0
10	U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION	PORTLAND, OR	90.66%	2,788,628.0
11	WELLS FARGO TRUST COMPANY, NATIONAL ASSOCIATION	OGDEN, UT	90.22%	1,316,566.0
12	DEUTSCHE BANK TRUST COMPANY, NATIONAL ASSOCIATION	NEW YORK, NY	87.35%	165,875.0
13	WILMINGTON TRUST, NATIONAL ASSOCIATION	WILMINGTON, DE	84.22%	772,799.0
14	SEI PRIVATE TRUST COMPANY	OAKS, PA	83.59%	241,350.0
15	GOLDMAN SACHS TRUST COMPANY, NATIONAL ASSOCIATION, THE	WILMINGTON, DE	79.15%	138,413.0
16	COMPUTERSHARE TRUST COMPANY, NATIONAL ASSOCIATION	CANTON, MA	70.29%	1,095,378.0
17	BLACKROCK INSTITUTIONAL TRUST COMPANY, NATIONAL ASSOCIATION	SAN FRANCISCO, CA	67.60%	4,820,183.0
18	SQUARE FINANCIAL SERVICES, INC.	SALT LAKE CITY, UT	66.10%	1,694,247.0
19	BANK OF NEW YORK MELLON TRUST COMPANY, NATIONAL ASSOCIATION, THE	LOS ANGELES, CA	63.93%	1,351,491.0
20	TIAA TRUST, NATIONAL ASSOCIATION	CHARLOTTE, NC	62.65%	308,714.0
21	CIBC NATIONAL TRUST COMPANY	ATLANTA, GA	61.05%	397,240.0
22	BATTLE BANK, NATIONAL ASSOCIATION	UPSALA, MN	59.44%	118,567.0
23	VANGUARD NATIONAL TRUST COMPANY, NATIONAL ASSOCIATION	MALVERN, PA	57.49%	173,449.0
24	DEUTSCHE BANK NATIONAL TRUST COMPANY	LOS ANGELES, CA	51.21%	541,265.0
25	BANK OF ALMA	ALMA, WI	50.79%	334,062.0
26	CAPITAL BANK AND TRUST COMPANY	IRVINE, CA	49.50%	191,417.0
27	GLENMEDE TRUST COMPANY, NATIONAL ASSOCIATION, THE	PHILADELPHIA, PA	49.28%	207,130.0
28	STAFFORD SAVINGS BANK	STAFFORD SPRINGS, CT	49.17%	475,408.0
29	FIRST CREDIT BANK	WEST HOLLYWOOD, CA	45.71%	500,519.0
30	ELIZABETHTON FEDERAL SAVINGS BANK	ELIZABETHTON, TN	42.36%	318,795.0
31	NORTHWESTERN MUTUAL WEALTH MANAGEMENT COMPANY	MILWAUKEE, WI	39.42%	465,274.0
32	NATIONWIDE TRUST COMPANY, FSB	COLUMBUS, OH	37.72%	166,878.0
33	FIRST FEDERAL SAVINGS OF MIDDLETOWN	MIDDLETOWN, NY	36.98%	181,779.0
34	FIRST ELECTRONIC BANK	SALT LAKE CITY, UT	36.87%	482,146.0
35	MASPETH FEDERAL SAVINGS AND LOAN ASSOCIATION	MASPETH, NY	35.07%	2,199,882.0
36	SPRING VALLEY BANK	WYOMING, OH	33.73%	117,990.0
37	VERSABANK USA, NATIONAL ASSOCIATION	HOLDINGFORD, MN	33.72%	747,739.0
38	FIRST BANK OF OHIO	TIFFIN, OH	32.53%	298,680.0
39	VARO BANK, NATIONAL ASSOCIATION	DRAPER, UT	32.32%	376,185.0
40	FULTON SAVINGS BANK	FULTON, NY	31.36%	489,503.0
41	BNY MELLON TRUST OF DELAWARE	WILMINGTON, DE	31.15%	241,941.0
42	FIRST NATIONAL BANK OF IZARD COUNTY	CALICO ROCK, AR	30.49%	230,749.0
43	NATBANK, NATIONAL ASSOCIATION	HOLLYWOOD, FL	30.32%	278,951.0
44	FIRST NATIONAL BANK OF BANGOR, THE	BANGOR, WI	29.71%	381,788.0
45	MONET BANK	PLANO, TX	29.43%	3,548,056.0
46	COLLINSVILLE BUILDING AND LOAN ASSOCIATION	COLLINSVILLE, IL	29.43%	115,617.0
47	THRIVENT BANK	SALT LAKE CITY, UT	29.22%	996,465.0
48	FIRST PIEDMONT FEDERAL SAVINGS AND LOAN ASSOCIATION	GAFFNEY, SC	28.72%	580,713.0
49	COLONIAL SAVINGS, FA	FORT WORTH, TX	28.25%	675,249.0
50	EASTERN SAVINGS BANK FEDERAL SAVINGS BANK	HUNT VALLEY, MD	28.18%	366,521.0
51	STREATOR HOME SAVINGS BANK	STREATOR, IL	28.04%	154,768.0
52	EVABANK	EVA, AL	27.88%	478,173.0
53	YAKIMA FEDERAL SAVINGS AND LOAN ASSOCIATION	YAKIMA, WA	27.41%	2,007,556.0
54	CATALYST BANK	OPELOUSAS, LA	27.36%	279,648.0
55	HANA BANK USA, NATIONAL ASSOCIATION	FORT LEE, NJ	27.27%	799,671.0
56	JACKSON COUNTY BANK	MC KEE, KY	27.13%	175,162.0
57	WESTMORELAND FEDERAL SAVINGS AND LOAN ASSOCIATION OF LATROBE	LATROBE, PA	26.99%	167,209.0
58	CREDIT ONE BANK, NATIONAL ASSOCIATION	LAS VEGAS, NV	26.98%	1,966,557.0
59	MORGANTON SAVINGS BANK, S.S.B.	MORGANTON, NC	26.94%	107,424.0
60	POCAHONTAS STATE BANK	POCAHONTAS, IA	26.63%	122,562.0
61	DEARBORN FEDERAL SAVINGS BANK	DEARBORN, MI	26.60%	288,514.0
62	HATCH BANK	SAN MARCOS, CA	26.36%	182,351.0
63	LISLE SAVINGS BANK	LISLE, IL	26.24%	544,915.0
64	FARMERS AND DROVERS BANK	COUNCIL GROVE, KS	26.11%	219,659.0
65	PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE	CARMEL, NY	25.96%	173,817.0
66	BANK IRVINE	IRVINE, CA	25.96%	285,956.0
67	FIRST SECURITY BANK OF NEVADA	LAS VEGAS, NV	25.94%	285,034.0
68	FIRST GENERAL BANK	ROWLAND HEIGHTS, CA	25.85%	1,135,513.0
69	HENDERSON FEDERAL SAVINGS BANK	HENDERSON, TX	25.84%	116,908.0
70	BANK OF UTICA	UTICA, NY	25.55%	1,405,373.0
71	SEWICKLEY SAVINGS BANK	SEWICKLEY, PA	25.33%	316,160.0
72	NEW OMNI BANK, NATIONAL ASSOCIATION	ALHAMBRA, CA	25.24%	520,138.0
73	DEUTSCHE BANK TRUST COMPANY AMERICAS	NEW YORK, NY	25.18%	43,031,000.0
74	CROWN BANK	ELIZABETH, NJ	25.07%	628,954.0
75	SECURITY STATE BANK	ALGONA, IA	25.01%	113,143.0
76	HOYNE SAVINGS BANK	CHICAGO, IL	24.79%	489,987.0
77	CORYDON STATE BANK	CORYDON, IA	24.74%	134,331.0
78	HATBORO FEDERAL SAVINGS	HATBORO, PA	24.39%	585,529.0
79	NORTH SHORE TRUST AND SAVINGS	WAUKEGAN, IL	24.32%	266,760.0
80	SOLON STATE BANK	SOLON, IA	24.27%	125,699.0
81	LIBERTY BANK FOR SAVINGS	CHICAGO, IL	23.84%	856,258.0
82	WELLS FARGO BANK SOUTH CENTRAL, NATIONAL ASSOCIATION	HOUSTON, TX	23.71%	2,815,071.0
83	EASTBANK, NATIONAL ASSOCIATION	NEW YORK, NY	23.52%	147,425.0
84	MUTUAL SAVINGS ASSOCIATION	LEAVENWORTH, KS	23.44%	402,685.0
85	BERKSHIRE BANK, THE	NEW YORK, NY	23.19%	536,341.0
86	FIRST COMMERCIAL BANK (U.S.A)	ALHAMBRA, CA	23.12%	835,864.0
87	FIRST FEDERAL SAVINGS BANK OF ANGOLA	ANGOLA, IN	23.09%	137,671.0
88	BANK OF GRAIN VALLEY, THE	GRAIN VALLEY, MO	23.02%	107,717.0
89	FARMERS BANK & TRUST	GREAT BEND, KS	22.86%	1,020,387.0
90	WEST CENTRAL GEORGIA BANK	THOMASTON, GA	22.83%	157,582.0
91	HERITAGE BANK	WOOD RIVER, NE	22.79%	593,699.0
92	PRODUCERS BANK & TRUST	MCGEHEE, AR	22.52%	195,254.0
93	CENTRAL SAVINGS, F.S.B.	CHICAGO, IL	22.46%	125,679.0
94	FIRST FEDERAL BANK OF WISCONSIN	WAUKESHA, WI	22.40%	275,735.0
95	AGILITY BANK, N.A.	HOUSTON, TX	22.07%	130,365.0
96	FARMERS TRUST AND SAVINGS BANK	WILLIAMSBURG, IA	21.96%	199,589.0
97	BANK OF SOUTHSIDE VIRGINIA, THE	CARSON, VA	21.86%	651,097.0
98	INVESTMENT SAVINGS BANK	ALTOONA, PA	21.86%	105,995.0
99	MIAMI SAVINGS BANK	MIAMITOWN, OH	21.75%	133,530.0
100	LOCUS BANK, INC.	RICHMOND, VA	21.72%	343,849.0

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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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