Capital
US Banks with Lowest CET1 Capital Ratio
#1 CET1 Capital Ratio:PHENIX-GIRARD BANK — 2.55%. The minimum CET1 ratio under US regulatory rules is 4.5% plus the 2.5% capital conservation buffer — a 7% effective floor for most banks.
| # | Bank | HQ | US Banks with … | Total Assets ($K) |
|---|---|---|---|---|
| 1 | PHENIX-GIRARD BANK | PHENIX CITY, AL | 2.55% | 345,388.0 |
| 2 | NoneNone | 3.02% | 235,465.0 | |
| 3 | FIRST NATIONAL BANK OF ASPERMONT, THE | ASPERMONT, TX | 3.65% | 136,924.0 |
| 4 | BANK OF LAFAYETTE, THE | LA FAYETTE, GA | 4.01% | 448,306.0 |
| 5 | CB&S BANK, INC. | RUSSELLVILLE, AL | 5.32% | 2,878,211.0 |
| 6 | CITIZENS STATE BANK | MONTICELLO, IA | 5.35% | 596,307.0 |
| 7 | FARMERS AND MERCHANTS NATIONAL BANK OF FAIRVIEW, THE | FAIRVIEW, OK | 5.37% | 131,114.0 |
| 8 | STATE BANK & TRUST | WINFIELD, AL | 5.43% | 396,368.0 |
| 9 | FIRST NATIONAL BANK | ALAMOGORDO, NM | 5.58% | 470,318.0 |
| 10 | BANK OF KILMICHAEL | KILMICHAEL, MS | 5.61% | 328,913.0 |
| 11 | RSNB BANK | ROCK SPRINGS, WY | 5.76% | 390,332.0 |
| 12 | CARMINE STATE BANK | CARMINE, TX | 5.81% | 146,527.0 |
| 13 | MERCHANTS COMMERCIAL BANK | SAINT THOMAS, VI | 5.81% | 485,985.0 |
| 14 | NORTHERN INTERSTATE BANK, NATIONAL ASSOCIATION | NORWAY, MI | 5.85% | 191,111.0 |
| 15 | FIRST STATE BANK | ANADARKO, OK | 5.87% | 146,478.0 |
| 16 | SECURITY STATE BANK OF AITKIN | AITKIN, MN | 5.89% | 112,585.0 |
| 17 | FIRST STATE BANK OF BROWNSBORO | BROWNSBORO, TX | 5.90% | 137,595.0 |
| 18 | COMMUNITY BANK OF LOUISIANA | MANSFIELD, LA | 5.93% | 879,593.0 |
| 19 | FIRST BETHANY BANK & TRUST | BETHANY, OK | 5.95% | 291,332.0 |
| 20 | RIVERWIND BANK | AUGUSTA, AR | 5.98% | 168,372.0 |
| 21 | CITIZENS BANK & TRUST COMPANY OF VIVIAN, LOUISIANA | VIVIAN, LA | 5.99% | 158,997.0 |
| 22 | FIRST NATIONAL BANK IN TRINIDAD | TRINIDAD, CO | 6.05% | 258,951.0 |
| 23 | UNB BANK | MOUNT CARMEL, PA | 6.12% | 169,220.0 |
| 24 | FIRST SECURITY BANK, THE | BEAVER, OK | 6.17% | 285,123.0 |
| 25 | PEOPLESSOUTH BANK | COLQUITT, GA | 6.20% | 1,161,884.0 |
| 26 | COMMUNITY STATE BANK | UNION GROVE, WI | 6.22% | 639,346.0 |
| 27 | NoneNone | 6.24% | 142,512.0 | |
| 28 | COMMERCIAL BANK, THE | DE KALB, MS | 6.27% | 278,104.0 |
| 29 | FARMERS STATE BANK | PARKSTON, SD | 6.30% | 250,699.0 |
| 30 | INTERSTATE BANK | PERRYTON, TX | 6.32% | 275,696.0 |
| 31 | FIRST NATIONAL BANK OF ELY, THE | ELY, NV | 6.33% | 126,787.0 |
| 32 | CORN CITY STATE BANK, THE | DESHLER, OH | 6.35% | 102,686.0 |
| 33 | MARION COMMUNITY BANK | MARION, AL | 6.38% | 350,225.0 |
| 34 | UNITY BANK OF MISSISSIPPI | HOLLY SPRINGS, MS | 6.54% | 286,717.0 |
| 35 | FIRST ARKANSAS BANK AND TRUST | JACKSONVILLE, AR | 6.55% | 1,166,855.0 |
| 36 | CARROLL COUNTY TRUST COMPANY OF CARROLLTON, MISSOURI | CARROLLTON, MO | 6.58% | 205,179.0 |
| 37 | COMMERCIAL BANK & TRUST COMPANY | MONTICELLO, AR | 6.62% | 375,073.0 |
| 38 | FIRSTSTATE BANK | LINEVILLE, AL | 6.65% | 352,106.0 |
| 39 | FARMERS BANK | AULT, CO | 6.65% | 291,178.0 |
| 40 | CITIZENS STATE BANK AND TRUST CO., ELLSWORTH, KANSAS | ELLSWORTH, KS | 6.68% | 279,751.0 |
| 41 | SLOVENIAN SAVINGS & LOAN ASSOCIATION OF FRANKLIN-CONEMAUGH | JOHNSTOWN, PA | 6.73% | 178,940.0 |
| 42 | MOUNT VERNON BANK | MOUNT VERNON, GA | 6.73% | 188,645.0 |
| 43 | FIRST HERITAGE BANK | CENTRALIA, KS | 6.74% | 296,614.0 |
| 44 | SOUTHWIND BANK | NATOMA, KS | 6.75% | 179,655.0 |
| 45 | BANK OF BEAVER CITY, THE | BEAVER, OK | 6.78% | 180,231.0 |
| 46 | FBT BANK & MORTGAGE | FORDYCE, AR | 6.78% | 246,823.0 |
| 47 | NoneNone | 6.80% | 415,050.0 | |
| 48 | FAIRFAX STATE SAVINGS BANK | FAIRFAX, IA | 6.81% | 277,281.0 |
| 49 | CITIZENS BANK OF CLOVIS, THE | CLOVIS, NM | 6.82% | 520,549.0 |
| 50 | FARMERS AND MERCHANTS BANK | LAFAYETTE, AL | 6.83% | 304,556.0 |
| 51 | FIRST NATIONAL BANK OF PASCO | DADE CITY, FL | 6.85% | 287,263.0 |
| 52 | PILLAR BANK | BALDWIN, WI | 6.86% | 266,853.0 |
| 53 | FARMERS BANK & TRUST | ATWOOD, KS | 6.90% | 167,780.0 |
| 54 | WHITESVILLE STATE BANK | WHITESVILLE, WV | 6.91% | 138,023.0 |
| 55 | SOLERA NATIONAL BANK | LAKEWOOD, CO | 6.91% | 1,552,203.0 |
| 56 | CLEVELAND STATE BANK, THE | CLEVELAND, MS | 6.96% | 337,514.0 |
| 57 | FIRST NATIONAL BANK OF DENNISON, OHIO, THE | DENNISON, OH | 7.05% | 272,994.0 |
| 58 | TRI-COUNTY BANK, THE | STUART, NE | 7.06% | 243,630.0 |
| 59 | FARMERS BANK AND TRUST COMPANY | PRINCETON, KY | 7.15% | 241,172.0 |
| 60 | FIRST BANK BLUE EARTH | BLUE EARTH, MN | 7.17% | 322,294.0 |
| 61 | LINCOLN STATE BANK | HANKINSON, ND | 7.19% | 126,135.0 |
| 62 | FARMERS STATE BANK, THE | MCPHERSON, KS | 7.21% | 169,815.0 |
| 63 | BANK OF OLD MONROE, THE | OLD MONROE, MO | 7.25% | 950,613.0 |
| 64 | UNITED SOUTHERN BANK | UMATILLA, FL | 7.30% | 841,773.0 |
| 65 | COMMUNITY STATE BANK | SPENCER, IA | 7.30% | 342,577.0 |
| 66 | STATE BANK OF REESEVILLE | REESEVILLE, WI | 7.34% | 169,620.0 |
| 67 | LAONA STATE BANK | LAONA, WI | 7.38% | 297,047.0 |
| 68 | MONROE FEDERAL SAVINGS AND LOAN ASSOCIATION | TIPP CITY, OH | 7.42% | 148,185.0 |
| 69 | NEW TRIPOLI BANK | NEW TRIPOLI, PA | 7.44% | 663,985.0 |
| 70 | WESTERN NEBRASKA BANK | CURTIS, NE | 7.45% | 193,387.0 |
| 71 | FREEDOM BANK OF SOUTHERN MISSOURI | CASSVILLE, MO | 7.46% | 803,148.0 |
| 72 | YOAKUM BANK | YOAKUM, TX | 7.46% | 384,305.0 |
| 73 | SOMERVILLE BANK | EATON, OH | 7.49% | 286,742.0 |
| 74 | BANKORION | ORION, IL | 7.49% | 676,097.0 |
| 75 | FIRST STATE BANK OF DEQUEEN | DE QUEEN, AR | 7.50% | 502,078.0 |
| 76 | TRINITY CAPITAL BANK OF TEXAS | ENNIS, TX | 7.52% | 440,824.0 |
| 77 | CITIZENS STATE BANK, THE | MARYSVILLE, KS | 7.52% | 430,228.0 |
| 78 | FIRST NATIONAL BANK OF RAYMOND, THE | RAYMOND, IL | 7.53% | 179,699.0 |
| 79 | CHAMPLAIN NATIONAL BANK | ELIZABETHTOWN, NY | 7.57% | 485,836.0 |
| 80 | MACON BANK AND TRUST COMPANY | LAFAYETTE, TN | 7.58% | 772,155.0 |
| 81 | UNION STATE BANK OF HAZEN | HAZEN, ND | 7.60% | 250,565.0 |
| 82 | MERCER COUNTY STATE BANK | SANDY LAKE, PA | 7.60% | 597,479.0 |
| 83 | FIRST NATIONAL BANK AND TRUST | ATMORE, AL | 7.66% | 239,483.0 |
| 84 | STATE SAVINGS BANK OF MANISTIQUE, THE | MANISTIQUE, MI | 7.71% | 181,526.0 |
| 85 | JONES BANK | SEWARD, NE | 7.71% | 419,432.0 |
| 86 | BLUE SKY BANK | PAWHUSKA, OK | 7.73% | 1,308,234.0 |
| 87 | UNITED COMMUNITY BANK OF WEST KENTUCKY, INC. | MORGANFIELD, KY | 7.74% | 523,473.0 |
| 88 | FARMERS AND MERCHANTS STATE BANK OF PIERZ | PIERZ, MN | 7.75% | 342,395.0 |
| 89 | GREENLEAF BANK | GREENLEAF, WI | 7.75% | 155,143.0 |
| 90 | JAMES POLK STONE COMMUNITY BANK | PORTALES, NM | 7.78% | 442,995.0 |
| 91 | FIRST NATIONAL BANK OF EAST TEXAS, THE | GILMER, TX | 7.78% | 614,871.0 |
| 92 | PETEFISH, SKILES & COMPANY | VIRGINIA, IL | 7.79% | 474,925.0 |
| 93 | KEYSAVINGS BANK | WISCONSIN RAPIDS, WI | 7.79% | 127,847.0 |
| 94 | TRANSPECOS BANKS, SSB | PECOS, TX | 7.81% | 968,328.0 |
| 95 | POINTS WEST COMMUNITY BANK | WINDSOR, CO | 7.81% | 833,844.0 |
| 96 | BANK OF MILTON | MILTON, WI | 7.81% | 233,046.0 |
| 97 | LAFAYETTE STATE BANK | MAYO, FL | 7.81% | 247,355.0 |
| 98 | IOWA SAVINGS BANK | CARROLL, IA | 7.81% | 290,405.0 |
| 99 | PEOPLES BANK | LEBANON, KY | 7.81% | 186,000.0 |
| 100 | SOLVAY BANK | SOLVAY, NY | 7.84% | 1,183,807.0 |
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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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