Tier 1 Capital | All Banks (2024)

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Tier 1 Capital RatioFDIC Definition: Tier 1 (core) capital as a percent of risk-weighted assets. CBLR banks do not report Risk Weighted Assets data elements.

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Quarter	Rsk Wt Assets	Tier 1 Capital	Ratio
2021 Q3	13,448,687,391,000	2,002,505,063,000	14.89
2021 Q4	13,746,986,419,000	2,027,219,679,000	14.75
2022 Q1	14,142,667,438,000	2,027,027,222,000	14.33
2022 Q2	14,471,576,954,000	2,051,101,386,000	14.17
2022 Q3	14,668,282,499,000	2,076,539,720,000	14.16
2022 Q4	14,732,439,472,000	2,098,634,437,000	14.24
2023 Q1	14,597,140,794,000	2,105,668,763,000	14.43
2023 Q2	14,570,854,127,000	2,114,868,844,000	14.51
2023 Q3	14,558,691,836,000	2,139,417,091,000	14.70
2023 Q4	14,567,161,929,000	2,128,234,256,000	14.61
2024 Q1	14,592,972,135,000	2,152,604,611,000	14.75
2024 Q2	14,641,607,254,000	2,189,620,742,000	14.95

Tier 1 Capital Ratio · Past 12 Quarters

Tier 1 Capital Ratio · Past 10 Years

Asset Size	# Inst	Rsk Wt Assets	Tier 1 Capital	Ratio
>1 Trillion	4	5,207,957,472,000	768,102,279,000	14.75
100-999 Billion	28	4,952,815,664,000	716,006,604,000	14.46
50-99 Billion	16	823,914,531,000	102,580,635,000	12.45
5-49 Billion	220	2,286,931,181,000	322,179,788,000	14.09
1-4.9 Billion	726	910,872,876,000	158,831,078,000	17.44
500-999 Million	748	262,854,298,000	57,937,876,000	22.04
250-499 Million	908	129,086,123,000	37,214,850,000	28.83
100-249 Million	1,012	56,024,948,000	21,215,551,000	37.87
50-99 Million	432	9,366,022,000	4,380,219,000	46.77
0-49 Million	193	1,784,139,000	1,171,862,000	65.68
	4,287	14,641,607,254,000	2,189,620,742,000	14.95

Tier 1 Capital Ratio

Top 100 Institutions by Asset Size (to change sort click header title)

#	Institution	Symb	# Emp	Total Assets	Rsk Wt Assets	Tier 1 Capital	Ratio
1	JPMorgan Chase & Co.	JPM	227,738	3,510,602,801,000	1,692,938,312,000	277,165,290,000	16.37
2	Bank of America Corporation	BAC	134,314	2,565,591,000,000	1,411,513,000,000	191,873,000,000	13.59
3	Wells Fargo & Company	WFC	198,788	1,735,630,972,000	1,130,787,160,000	147,758,989,000	13.07
4	Citibank	C	177,763	1,678,936,000,000	972,719,000,000	151,305,000,000	15.55
5	U.S. Bank	USB	70,448	664,923,875,000	440,415,874,000	59,392,746,000	13.49
6	PNC Bank	PNC	54,974	552,530,492,000	416,075,955,000	48,060,227,000	11.55
7	Goldman Sachs Bank USA	GS	3,959	543,888,000,000	369,411,175,000	58,416,000,000	15.81
8	Truist Bank	TFC	39,036	511,931,000,000	402,115,060,000	52,728,000,000	13.11
9	Capital One	COF	59,025	477,304,264,000	365,161,695,000	49,422,208,000	13.53
10	Morgan Stanley	MS	1,531	419,090,000,000	166,310,400,000	39,804,000,000	23.93
11	Toronto-Dominion Bank	TD	27,217	404,023,244,000	235,929,089,000	43,852,297,000	18.59
12	Bank of New York Mellon Corporation	BK	46,045	384,222,394,000	142,953,913,000	23,520,111,000	16.45
13	State Street Bank and Trust Company	STT	43,393	321,473,000,000	117,235,060,000	18,038,000,000	15.39
14	Charles Schwab Corporation	SCHW	1,329	308,761,000,000	88,024,620,000	36,908,000,000	41.93
15	Bank of Montreal	BMO	17,512	262,007,203,000	193,957,187,000	24,099,891,000	12.43
16	First-Citizens Bank & Trust Company	FCNCA	17,118	219,685,000,000	162,468,000,000	22,227,000,000	13.68
17	Citizens Bank	CFG	17,132	219,634,049,000	167,725,606,000	19,596,228,000	11.68
18	Fifth Third Bank	FITB	18,594	212,484,000,000	160,569,320,000	20,562,000,000	12.81
19	M&T Bank Corp.	MTB	21,962	209,076,535,000	154,383,699,000	19,349,842,000	12.53
20	The Huntington National Bank	HBAN	18,860	195,864,166,000	139,182,841,000	15,575,365,000	11.19
21	American Express National Bank	AXP	2,108	192,276,019,000	152,577,761,000	17,380,545,000	11.39
22	KeyBank	KEY	17,523	184,963,242,000	139,776,244,000	17,593,949,000	12.59
23	Ally Bank	ALLY	9,952	181,969,000,000	148,833,260,000	17,578,000,000	11.81
24	HSBC Holdings PLC		1,917	159,105,972,000	97,817,021,000	17,495,385,000	17.89
25	The Northern Trust Company	NTRS	22,851	156,265,261,000	85,757,121,000	11,097,600,000	12.94
26	Regions Bank	RF	19,492	153,039,000,000	125,270,000,000	14,218,000,000	11.35
27	Discover Bank	DFS	13,802	148,660,049,000	130,439,512,000	15,243,060,000	11.69
28	Flagstar Bank	NYCB	8,463	118,993,651,000	85,670,617,000	9,285,592,000	10.84
29	Synchrony Bank	SYF	10,505	112,875,000,000	98,551,800,000	12,984,000,000	13.17
30	USAA Federal Savings Bank		14,563	111,712,000,000	57,533,000,000	9,460,000,000	16.44
31	UBS Bank USA	UBS	620	109,623,997,000	37,531,164,000	10,437,708,000	27.81
32	Santander Bank	BSAC	4,484	100,562,427,000	71,138,670,000	11,680,850,000	16.42
33	Royal Bank of Canada	RY	7,748	98,705,957,000	66,302,396,000	10,347,149,000	15.61
34	Zions Bank	ZION	9,867	87,605,789,000	66,884,508,000	7,496,328,000	11.21
35	First Horizon Bank	FHN	7,025	81,935,084,000	71,134,981,000	8,343,666,000	11.73
36	Western Alliance Bank	WAL	3,361	80,469,977,000	53,958,389,000	6,452,091,000	11.96
37	Comerica Incorporated	CMA	7,556	79,726,517,000	74,277,308,000	8,469,917,000	11.40
38	Webster Bank	WBS	4,256	76,760,507,000	56,589,630,000	6,674,116,000	11.79
39	Popular, Inc.	BPOP	8,168	72,600,986,000	37,433,672,000	5,816,580,000	15.54
40	East West Bank	EWBC	3,240	72,334,717,000	53,839,307,000	7,031,035,000	13.06
41	Valley National Bank	VLY	3,694	62,050,076,000	48,935,266,000	5,457,352,000	11.15
42	Raymond James Financial	RJF	801	60,492,479,000	32,757,430,000	4,848,951,000	14.80
43	Wintrust Financial Corporation	WTFC	3,642	60,019,959,000	51,809,130,000	5,651,303,000	10.91
44	Synovus Bank	SNV	4,552	59,480,339,000	47,811,620,000	5,479,117,000	11.46
45	Canadian Imperial Bank Of Commerce		2,729	56,227,788,000	42,573,377,000	7,131,871,000	16.75
46	Old National Bank	ONB	3,843	52,825,258,000	40,449,590,000	4,552,758,000	11.26
47	Umpqua Bank	UMPQ	4,671	52,043,206,000	40,254,327,000	4,353,875,000	10.82
48	BOKF	BOKF	4,779	50,195,205,000	38,903,600,000	4,474,526,000	11.50
49	Pinnacle Bank	PNFP	3,469	49,227,159,000	39,873,909,000	4,593,594,000	11.52
50	Frost Bank	CFR	5,711	48,914,623,000	31,172,998,000	4,228,311,000	13.56
51	Cadence Bank	CADE	5,290	47,984,078,000	37,746,833,000	4,658,824,000	12.34
52	First National Bank of Pennsylvania	FNB	4,118	47,577,714,000	37,305,763,000	3,866,231,000	10.36
53	South State Bank	SSB	5,189	45,481,202,000	35,646,900,000	4,595,267,000	12.89
54	UMB Bank	UMBF	2,815	44,202,241,000	32,007,385,000	3,657,987,000	11.43
55	Associated Bank	ASB	4,044	41,573,081,000	32,718,928,000	3,265,442,000	9.98
56	Deutsche Bank Aktiengesellschaft	DB	369	40,722,883,000	18,737,000,000	10,009,715,000	53.42
57	Barclays Bank Delaware		4,701	40,173,000,000	32,909,920,000	5,316,000,000	16.15
58	Prosperity Bank	PB	3,902	39,759,389,000	24,287,753,000	3,727,676,000	15.35
59	EverBank		1,568	39,445,857,000	25,889,486,000	3,500,162,000	13.52
60	MidFirst Bank		3,158	37,930,177,000	18,932,876,000	3,332,434,000	17.60
61	Bank OZK	OZK	2,831	36,836,173,000	41,262,098,000	4,842,138,000	11.74
62	BankUnited	BKU	1,651	35,401,701,000	25,297,031,000	3,404,990,000	13.46
63	Hanco*ck Whitney Bank	HWC	3,541	35,392,436,000	28,090,561,000	3,615,145,000	12.87
64	Banc of California	BANC	2,057	35,160,391,000	26,818,255,000	3,691,879,000	13.77
65	Fulton Bank	FULT	3,776	31,646,370,000	24,946,873,000	2,937,774,000	11.78
66	First National Bank of Omaha	FINN	4,372	31,496,797,000	27,886,264,000	3,163,709,000	11.35
67	Commerce Bank	CBSH	4,560	30,345,138,000	23,233,889,000	3,141,152,000	13.52
68	First Interstate Bank	FIBK	3,272	30,217,940,000	21,477,360,000	2,458,930,000	11.45
69	United Bank	UBSI	2,567	29,868,220,000	23,883,082,000	3,257,867,000	13.64
70	Texas Capital Bank	TCBI	1,939	29,733,816,000	27,711,875,000	3,646,438,000	13.16
71	Stifel Financial Corp.	SF	444	29,677,906,000	17,593,295,000	2,121,213,000	12.06
72	Sallie Mae Bank		1,772	28,731,156,000	23,310,908,000	3,122,582,000	13.40
73	Washington Federal	WAFD	2,231	28,564,202,000	19,174,299,000	2,451,717,000	12.79
74	Glacier Bank	GBCI	3,393	27,785,258,000	19,241,673,000	2,441,877,000	12.69
75	SoFi Bank	GPBI	1,176	27,361,351,000	21,517,216,000	3,649,976,000	16.96
76	FirstBank		2,419	27,337,456,000	15,770,042,000	2,337,372,000	14.82
77	Simmons Bank	SFNC	2,945	27,328,020,000	20,813,030,000	2,544,008,000	12.22
78	United Community Bank	UCBI	3,034	26,998,583,000	19,619,786,000	2,530,580,000	12.90
79	Ameris Bank	ABCB	2,751	26,428,915,000	21,772,332,000	2,767,769,000	12.71
80	Arvest Bank		6,204	26,282,979,000	20,832,546,000	2,344,136,000	11.25
81	City National Bank of Florida		966	26,204,165,000	19,564,362,000	2,740,303,000	14.01
82	Atlantic Union Bank	AUB	2,083	24,641,518,000	20,782,538,000	2,477,377,000	11.92
83	Provident Bank	PFS	1,917	24,052,216,000	20,706,140,000	2,239,149,000	10.81
84	First Hawaiian Bank	FHB	2,032	23,992,610,000	16,288,034,000	2,061,264,000	12.66
85	Bank of Hawaii	BOH	1,910	23,269,591,000	14,036,162,000	1,846,090,000	13.15
86	Cathay Bank	CATY	1,240	23,217,533,000	18,808,967,000	2,559,600,000	13.61
87	Centennial Bank	HOMB	2,613	22,845,266,000	18,596,916,000	2,550,012,000	13.71
88	Ameriprise Bank	AMP	158	22,657,982,000	5,011,498,000	1,729,334,000	34.51
89	Beal Financial Corporation		264	22,284,233,000	5,786,311,000	5,069,210,000	87.61
90	Axos Bank	AX	1,335	22,142,814,000	17,128,880,000	2,181,425,000	12.74
91	Eastern Bank	EBC	1,689	21,028,164,000	16,425,056,000	2,921,113,000	17.78
92	Customers Bank	CUBI	806	20,956,641,000	13,676,187,000	1,937,780,000	14.17
93	WSFS Bank	WSFS	2,185	20,647,772,000	16,298,625,000	2,129,779,000	13.07
94	Pinnacle Bancorp, Inc.		2,009	20,441,979,000	14,006,950,000	1,849,400,000	13.20
95	Rockland Trust Company	INDB	1,749	19,413,516,000	14,220,234,000	2,063,155,000	14.51
96	FirstBank Puerto Rico	FBP	3,081	18,873,332,000	13,148,385,000	2,199,713,000	16.73
97	HTLF Bank	HTLF	1,843	18,739,154,000	14,997,488,000	1,910,722,000	12.74
98	The Central Trust Bank	CBCYB	2,957	18,644,538,000	12,526,683,000	1,566,177,000	12.50
99	Trustmark National Bank	TRMK	2,515	18,450,072,000	15,162,624,000	1,762,660,000	11.63
100	Independent Bank	IBTX	1,485	18,354,859,000	16,180,647,000	1,895,342,000	11.71

FAQs

Tier 1 Capital | All Banks? ›

Tier 1 capital refers to the core capital held in a bank's reserves and is used to fund business activities for the bank's clients. It includes common stock, as well as disclosed reserves and certain other assets.

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What are tier 1 capital banks? ›

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What banks are in Category 1? ›

2 See 12 C.F.R. Part 252 (Regulation YY). 3 Category I would include JPMorgan Chase & Co., Bank of America Corporation, Citigroup, Inc., Wells Fargo & Company, The Goldman Sachs Group, Inc., Morgan Stanley, The Bank of New York Mellon Corporation, and State Street Corporation.

What is tier 2 capital for banks? ›

Tier 2 capital is the second layer of capital that a bank must keep as part of its required reserves. This tier is comprised of revaluation reserves, general provisions, subordinated term debt, and hybrid capital instruments. There are two levels of Tier 2 capital—upper level and lower level capital.

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Is JP Morgan a Tier 1 bank? ›

JPMorgan Chase's Capital Adequacy Tier - Tier 1 Ratio % for the annual that ended in Dec. 2023 was 16.60% , which is higher than 14.90% for the pervious year ended in Dec. 2022.

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Is Wells Fargo a Tier 1 bank? ›

WFC (Wells Fargo) Capital Adequacy Tier - Tier 1 Ratio % : 12.34% (As of Jun. 2024)

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Is Citibank a Tier 1 bank? ›

In the United States, Tier 1 banks include: Bank of America. Citigroup. J.P. Morgan.

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What banks are Tier 2? ›

The only tier one investment bank might be JPMorgan Chase because it ranks first or second globally across most product areas. Tier two would be Goldman Sachs, Barclays Capital, Credit Suisse, Deutsche Bank, and Citigroup. Examples of tier three would be UBS, BNP Paribas, and SocGen.

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Is Morgan Stanley a Tier 1 bank? ›

The top three–Morgan Stanley, Goldman Sachs, and JP Morgan–have separated from the crowd and typically perform better than the best. Now, it is more common to sort bulge bracket banks into three different tiers. Tier 1 includes the "big three" listed above. Tier 2 includes Credit Suisse, Barclays, and Deutsche Bank.

Is TD bank a Tier 1 bank? ›

TD's Common Equity Tier 1 Capital ratio was 13.9%. "Looking ahead, TD is well-positioned from both a capital and funding perspective, with the capacity to continue to invest in our business and return capital to shareholders," said Masrani.

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What are Tier 3 banks? ›

Tier 3 capital is tertiary capital, which many banks hold to support their market risk, commodities risk, and foreign currency risk, derived from trading activities. Tier 3 capital includes a greater variety of debt than tier 1 and tier 2 capital but is of a much lower quality than either of the two.

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Is HSBC a Tier 1 bank? ›

Regulators use tier 1 capital for the purpose of ensuring that banks have enough capital in case of unexpected losses. The tier 1 capital level of HSBC in 2023 was among the highest in the world that year, but well below the one of ICBC, the bank with the highest tier 1 capital in the world.

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How to calculate Tier 1 capital? ›

The acceptable amount of Tier 1 capital held by a bank is at least 6%. The formula is core capital divided by risk-weighted assets multiplied by 100 to get the final percentage.

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Is Goldman Sachs a Tier 1 bank? ›

Tier 1 capital is the core measure of bank's financial strength from the regulator's point of view. It is the ratio of bank's core equity capital to the total risk-weighted assets. The tier 1 capital ratio at Goldman Sachs amounted to 11 percent in 2023.

What are the top Tier 1 banks in USA? ›

#	Institution	# Emp
1	JPMorgan Chase & Co.	227,738
2	Bank of America Corporation	134,314
3	Wells Fargo & Company	198,788
4	Citibank	177,763

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What is tier 1 capital for banks? ›

The Tier 1 capital ratio is the ratio of a bank's core equity capital to its total risk-weighted assets (RWA). Risk-weighted assets are the total of all assets held by the bank weighted by credit risk according to a formula determined by the Regulator (usually the country's central bank).

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What is the difference between Tier 1 and additional Tier 1 capital? ›

Common Equity Tier 1 capital (CET1) is the highest quality of regulatory capital, as it absorbs losses immediately when they occur. Additional Tier 1 capital (AT1) also provides loss absorption on a going-concern basis, although AT1 instruments do not meet all the criteria for CET1.

What are Tier 1 accounts? ›

Tier 1 accounts allow you daily transactions of N50,000 (yes, inflow and outflow) and the account can hold a total of N300,000. Tier 2 accounts allow you daily transactions of N200,000 (that's both inflow and outflow) and the account can hold a total of N500,000. A Tier 3 account is the best place to be 😉.

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What does Tier 1 tier 2 tier 3 mean? ›

• Tier 1 – Partners that you directly conduct business with. • Tier 2 – Where your Tier 1 suppliers get their materials. • Tier 3 – One step further removed from a final product and typically work in raw materials.

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