Ranking · Tier 1 capital

Best Capitalized Banks

Banks with the highest Tier 1 capital ratios among institutions with at least 10% of assets in loans, the primary measure of financial strength and loss-absorption capacity. Trust and custody banks are excluded: with minimal loan books, their capital ratio is computed against near-zero risk-weighted assets and can exceed 500%, a mathematical artifact rather than a meaningful strength signal for a depositor comparing banks.

Compiled from official source data by PlainBankData Editorial
197.3%
Top: BTG Pactual Bank
50
Banks ranked
69.6%
Avg Tier 1 capital
1.89%
Avg ROA

What this ranking shows

BTG Pactual Bank of New York, NY leads 50 banks on tier 1 ratio, at 197.3%.

197.3%
top - BTG Pactual Bank
50
banks in this ranking
69.6%
average Tier 1 capital ratio
1.89%
average return on assets

Rankings are point-in-time snapshots from public FDIC Call Report data, not recommendations, and not official FDIC ratings. Deposits stay FDIC-insured to $250,000 per depositor, per category.

Top 10 by tier 1 ratio

Best Capitalized Banks - top 10
  1. 1
    BTG Pactual Bank 197.3%

    New York, NY · Grade B · $888M

  2. 2
    Colonial Savings, F.A. 189.5%

    Fort Worth, TX · Grade B · $675M

  3. 3
    Monet Bank 171.8%

    Plano, TX · Grade B · $3.5B

  4. 4
    The Fidelity State Bank and Trust Com… 144.7%

    Dodge City, KS · Grade A · $203M

  5. 5
    First Electronic Bank 141.4%

    Salt Lake City, UT · Grade A · $482M

  6. 6
    Mutual Savings and Loan Association 97.6%

    Metairie, LA · Grade C · $37M

  7. 7
    Square Financial Services, Inc. 95.1%

    Salt Lake City, UT · Grade A · $1.7B

  8. 8
    The First National Bank of Mertzon 90.4%

    Mertzon, TX · Grade A · $487M

  9. 9
    Champion Bank 89.3%

    Parker, CO · Grade C · $46M

  10. 10
    Brazos National Bank 87.1%

    Richwood, TX · Grade A · $31M

Top 10 of 50 ranked banks · FDIC Call Report Q4 2025. Bar length is relative to the tier 1 ratio of the leading bank.

Full ranking (50)

# Bank Grade Tier 1 Ratio
1 BTG Pactual Bank, National Association B 197.3%
2 Colonial Savings, F.A. B 189.5%
3 Monet Bank B 171.8%
4 The Fidelity State Bank and Trust Company A 144.7%
5 First Electronic Bank A 141.4%
6 Mutual Savings and Loan Association C 97.6%
7 Square Financial Services, Inc. A 95.1%
8 The First National Bank of Mertzon A 90.4%
9 Champion Bank C 89.3%
10 Brazos National Bank A 87.1%
11 The Berkshire Bank B 84.7%
12 Latimer State Bank A 72.4%
13 Wells Fargo Bank South Central, National Association A 71.7%
14 Applied Bank B 69.2%
15 The First National Bank of McIntosh A 68.3%
16 The Donley County State Bank A 67.6%
17 Natbank, National Association B 67.3%
18 North Cambridge Co-operative Bank B 63.8%
19 Farmers State Bank of Emden A 60.3%
20 Marshall County State Bank A 59.7%
21 Liberty Bank for Savings B 58.7%
22 Zavala County Bank A 57.5%
23 Citizens Federal Savings and Loan Association B 57.5%
24 Wells Fargo National Bank West A 57.4%
25 Deutsche Bank Trust Company Americas A 56.6%
26 The Walton State Bank C 56.6%
27 Thrivent Bank C 56.1%
28 Vermont State Bank A 54.4%
29 First Savings and Loan Association C 54.0%
30 Beal Bank USA A 53.5%
31 El Dorado Savings Bank, F.S.B. A 52.8%
32 Sewickley Savings Bank A 52.7%
33 Bessemer Trust Company A 49.4%
34 First Credit Bank A 49.1%
35 Huntingdon Savings Bank B 48.9%
36 Bank of the Federated States of Micronesia A 48.8%
37 Farmers Building and Savings Bank B 46.8%
38 The Northern State Bank of Gonvick A 46.5%
39 Jackson Savings Bank, SSB C 46.4%
40 Sidney Federal Savings and Loan Association A 46.0%
41 Touchmark National Bank B 45.8%
42 The First National Bank of Hebbronville A 45.6%
43 Hana Bank USA, National Association A 45.1%
44 VersaBank USA National Association A 43.9%
45 Martinsville First Savings Bank B 43.8%
46 First State Bank of St. Peter A 43.6%
47 Chain Bridge Bank, National Association A 43.5%
48 California Pacific Bank A 43.2%
49 The Peoples National Bank of Checotah A 43.0%
50 Catalyst Bank B 42.5%

What "Best Capitalized Banks" actually measures

Banks with the highest Tier 1 capital ratios among institutions with at least 10% of assets in loans, the primary measure of financial strength and loss-absorption capacity. Trust and custody banks are excluded: with minimal loan books, their capital ratio is computed against near-zero risk-weighted assets and can exceed 500%, a mathematical artifact rather than a meaningful strength signal for a depositor comparing banks. This page shows up to 50 institutions sorted on the specific metric named above, reported as filed by each bank in its quarterly FDIC Call Report, not blended with proprietary signals, customer reviews, or non-financial inputs. A bank's position shifts each quarter as call-report data refreshes; rankings are point-in-time snapshots, not trailing averages.

How to use a ranked view

Single-metric rankings narrow the universe of 4,300+ FDIC-insured banks down to a manageable shortlist. They are not, on their own, a recommendation. A bank at #1 for one metric (say ROA) may sit at #800 on another (efficiency ratio or Tier 1 capital). Pick the top 10–20 candidates that match a metric you care about, then click into each bank's profile for the full balance-sheet picture.

What this ranking does not tell you

This list says nothing about deposit-account features (fees, ATM networks, app quality, branch availability), customer service, or commercial credit quality beyond the broad ratios FDIC publishes. A community bank may rank well on Tier 1 capital and ROA yet still be wrong for someone who needs a national branch footprint. Every depositor at every bank here is FDIC-insured to the standard limit; the ranking is about institutional health, not personal account safety.

Methodology and recompute cadence

All metrics derive from the FDIC's Quarterly Banking Profile and Institution Directory, both public-domain. We recompute the rankings on each FDIC quarterly release; the page lastmod reflects the most recent recompute. Banks that merged, were acquired, or closed between quarters are removed at the first refresh that captures the event. A bank that fails to file on time is excluded from rate-based rankings for that quarter, we do not impute or extrapolate.

What to do with this ranking

Turn the leaderboard into a shortlist.

  • Open the profiles of the top banks to read the full four-pillar breakdown behind each score. Top bank profile
  • Cross-reference against another ranking, top of both profitability and capital adequacy is the most resilient profile. Best capitalized
  • Confirm your deposit insurance coverage before moving any balance over $250,000. FDIC insurance

Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions of future performance.

Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC BankFind Suite, Quarterly Banking Profile). See our methodology for the full pipeline, source vintage, and column lineage.

Retrieved and compiled by PlainBankData Editorial from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.

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Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.