What source schedule does Common equity tier 1 ratio come from?

RCR, per official FFIEC Call Report instructions.

How many banks reported Common equity tier 1 ratio for 2026-06-30?

2477 banks reported a verified value for 2026-06-30. Institutions with an unavailable or unverified value are excluded, never counted as zero.

Is a higher value better?

Higher or lower is not good or bad on its own: it depends on the bank's business model, size and market, so compare a bank with similar institutions.

Why do fewer banks report a CET1 ratio than exist?

Community banks that opted into the community bank leverage ratio framework are exempt from reporting risk-based capital ratios, so they have no CET1 ratio in the Call Report. The population count on this page is the number of banks that reported a verified value.

What CET1 ratio makes a bank well capitalized?

A CET1 ratio of at least 6.5% is one of the tests for the well-capitalized category under US prompt corrective action rules; a bank must also meet the tier 1, total capital and leverage tests. The official FFIEC instructions linked on this page set out the full rules.

How often does this metric update?

Quarterly. Banks file Call Reports about 30 days after each quarter ends, and the figures here update when that data is loaded.

Capital · Versioned metric research

Common equity tier 1 ratio

Standardized and advanced-approaches capital frameworks. Quarter-end reported balances. Source evidence: metric-source-contract-validation.json SHA256 38fdaa264d855efba9eacd852269d1d5ed33a76f4620c7726d21828dfb5e9a7d Open official FFIEC instructions ↗

In plain English

Common equity tier 1 ratio: what it shows

Common equity tier 1 (CET1) capital divided by risk-weighted assets. CET1 is the highest-quality capital: common stock, retained earnings and certain other equity after regulatory deductions. Risk weighting counts riskier assets more heavily than safe ones.

Where reporting institutions stand now

As of Q2 2026, 2,477 banks reported a verified value for common equity tier 1 ratio. The median was 14.7%, the middle half of them fell between 12.5% and 19.0%, and the range from the 10th to the 90th percentile ran 11.2% to 28.3%.

Over the last four quarters the median moved from 13.4% in Q2 2025 to 14.7%, up 1.29 percentage points.

Across the 42 quarters on record, from Q1 2016, the median has ranged from 12.2% (Q2 2016) to 14.7% (Q2 2026).

Why it matters

It is the headline measure of how much loss a bank can absorb before its owners' money is gone and regulators step in. US rules set a 4.5% minimum, a further 2.5% capital conservation buffer, and 6.5% as one of the tests for being well capitalized under prompt corrective action.

How to read it

A bank well above the regulatory reference points has more room to absorb losses or to grow; a bank close to them has less. Compare with banks of similar size and business model, not against a single number.

What to watch for

Banks that elected the community bank leverage ratio framework do not report risk-based ratios, so only part of the universe appears here. Large banks can face extra requirements, such as stress capital buffers, that this page does not model.

Common questions

Is a higher value better?: Higher or lower is not good or bad on its own: it depends on the bank's business model, size and market, so compare a bank with similar institutions.
Why do fewer banks report a CET1 ratio than exist?: Community banks that opted into the community bank leverage ratio framework are exempt from reporting risk-based capital ratios, so they have no CET1 ratio in the Call Report. The population count on this page is the number of banks that reported a verified value.
What CET1 ratio makes a bank well capitalized?: A CET1 ratio of at least 6.5% is one of the tests for the well-capitalized category under US prompt corrective action rules; a bank must also meet the tier 1, total capital and leverage tests. The official FFIEC instructions linked on this page set out the full rules.
How often does this metric update?: Quarterly. Banks file Call Reports about 30 days after each quarter ends, and the figures here update when that data is loaded.

v3 definition42 quarters2477 current observationsRATIO unit

Calculation contract

`RC-R I P859 / A223; matched standard-approach prefix, RCFW advanced-approaches fallback for the numerator`

Source schedule: RCR

Null policy: abstain if missing

Effective: 2016-03-31 to 2026-06-30

How every metric is acquired, derived, and validated →

Definition history

Earlier versions of this metric

Each version is a distinct, dated definition — values are never silently recomputed under an older definition.

v2 · 2016-03-31 to 2026-06-30: RC-R I P859 / A223; matched standard-approach prefixNull policy: abstain if missing
v1 · 2016-01-01 to superseded: RC-R P859 / RC-R A223Null policy: abstain if missing

Reading this page

Percentiles describe position, not merit.

P10 through P90 below mark where 2477 banks' reported common equity tier 1 ratio values fell for 2026-06-30 — the median (P50) splits that group in half; it is not a target. The trend chart above follows that median quarter to quarter, and the distribution chart traces the full P10–P90 band. A higher or lower reported value is not labeled favorable or unfavorable here — that depends on the metric, the institution's business model, and context this page does not assert.

Accessible line chart

Common equity tier 1 ratio — covered-bank median

View chart data as a table

Period	Value	Revision	Event
2016-09-30	12.366 percent	No marker	None
2016-12-31	12.364 percent	No marker	None
2017-03-31	12.355 percent	No marker	None
2017-06-30	12.524 percent	No marker	None
2017-09-30	12.411 percent	No marker	None
2017-12-31	12.262 percent	No marker	None
2018-03-31	12.327 percent	No marker	None
2018-06-30	12.383 percent	No marker	None
2018-09-30	12.413 percent	No marker	None
2018-12-31	12.41 percent	No marker	None
2019-03-31	12.437 percent	No marker	None
2019-06-30	12.461 percent	No marker	None
2019-09-30	12.416 percent	No marker	None
2019-12-31	12.334 percent	No marker	None
2020-03-31	12.359 percent	No marker	None
2020-06-30	12.442 percent	No marker	None
2020-09-30	12.797 percent	No marker	None
2020-12-31	12.92 percent	No marker	None
2021-03-31	13.221 percent	No marker	None
2021-06-30	13.477 percent	No marker	None
2021-09-30	13.441 percent	No marker	None
2021-12-31	13.261 percent	No marker	None
2022-03-31	12.929 percent	No marker	None
2022-06-30	12.739 percent	No marker	None
2022-09-30	12.546 percent	No marker	None
2022-12-31	12.535 percent	No marker	None
2023-03-31	12.524 percent	No marker	None
2023-06-30	12.631 percent	No marker	None
2023-09-30	12.761 percent	No marker	None
2023-12-31	12.942 percent	No marker	None
2024-03-31	12.878 percent	No marker	None
2024-06-30	13.152 percent	No marker	None
2024-09-30	13.4 percent	No marker	None
2024-12-31	13.412 percent	No marker	None
2025-03-31	13.358 percent	No marker	None
2025-06-30	13.391 percent	No marker	None
2025-09-30	13.379 percent	No marker	None
2025-12-31	13.355 percent	No marker	None
2026-03-31	13.413 percent	No marker	None
2026-06-30	14.678 percent	No marker	None

Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Color is supplemented by shape and labels; reduced-motion users receive no chart animation.

Historical distribution

Common equity tier 1 ratio across covered banks

Median with interquartile and P10–P90 ranges across verified observations.

2026-06-30 latest period2,477 observations14.68% median12.54%–19.01% interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-06-30	2,477	11.24%	12.54%	14.68%	19.01%	28.32%
2026-03-31	855	11.11%	12.04%	13.41%	15.44%	19.25%
2025-12-31	867	11.04%	11.93%	13.35%	15.37%	19.12%
2025-09-30	869	11.03%	11.90%	13.38%	15.46%	19.23%
2025-06-30	154	11.47%	12.19%	13.39%	15.60%	18.02%
2025-03-31	157	11.63%	12.24%	13.36%	15.70%	17.94%
2024-12-31	158	11.58%	12.28%	13.41%	15.81%	18.07%
2024-09-30	158	11.46%	11.96%	13.40%	15.47%	17.77%
2024-06-30	155	11.33%	11.83%	13.15%	15.28%	17.90%
2024-03-31	157	11.09%	11.74%	12.88%	15.69%	17.77%
2023-12-31	158	10.90%	11.81%	12.94%	15.38%	17.78%
2023-09-30	156	10.82%	11.62%	12.76%	14.91%	18.27%
2023-06-30	155	10.81%	11.38%	12.63%	14.67%	18.02%
2023-03-31	159	10.66%	11.14%	12.52%	14.63%	18.65%
2022-12-31	158	10.58%	11.22%	12.54%	14.84%	18.56%
2022-09-30	158	10.36%	11.18%	12.55%	15.14%	18.42%
2022-06-30	158	10.38%	11.33%	12.74%	15.05%	18.16%
2022-03-31	160	10.64%	11.78%	12.93%	15.07%	18.15%
2021-12-31	159	10.86%	11.79%	13.26%	15.99%	19.66%
2021-09-30	161	11.01%	12.22%	13.44%	15.53%	20.43%
2021-06-30	160	11.21%	12.26%	13.48%	16.11%	20.28%
2021-03-31	158	11.19%	12.07%	13.22%	15.55%	19.96%
2020-12-31	151	10.90%	11.76%	12.92%	14.90%	19.68%
2020-09-30	151	10.75%	11.70%	12.80%	14.94%	19.49%
2020-06-30	148	10.60%	11.33%	12.44%	14.69%	19.34%
2020-03-31	124	10.40%	11.27%	12.36%	14.30%	20.51%
2019-12-31	140	10.62%	11.32%	12.33%	13.86%	18.32%
2019-09-30	143	10.51%	11.38%	12.42%	14.03%	18.10%
2019-06-30	141	10.61%	11.32%	12.46%	13.97%	17.97%
2019-03-31	141	10.72%	11.36%	12.44%	13.74%	17.65%
2018-12-31	137	10.57%	11.12%	12.41%	13.66%	17.59%
2018-09-30	138	10.67%	11.33%	12.41%	13.90%	17.35%
2018-06-30	134	10.65%	11.23%	12.38%	13.91%	16.93%
2018-03-31	132	10.64%	11.23%	12.33%	14.06%	16.78%
2017-12-31	123	10.43%	11.19%	12.26%	14.04%	17.51%
2017-09-30	125	10.62%	11.11%	12.41%	14.40%	17.79%
2017-06-30	121	10.50%	11.12%	12.52%	14.70%	18.02%
2017-03-31	118	10.57%	11.13%	12.36%	14.55%	17.74%
2016-12-31	114	10.40%	10.84%	12.36%	14.54%	17.41%
2016-09-30	114	10.39%	10.83%	12.37%	14.02%	17.44%

Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Population can change with filings, failures, mergers and eligibility. Missing values are excluded, never converted to zero.

Current distribution

Percentile history

Percentiles exclude unavailable values; they do not convert missing observations to zero.

Period	Population	P10	P25	Median	P75	P90
2026-06-30	2477	11.24%	12.54%	14.68%	19.01%	28.32%
2026-03-31	855	11.11%	12.04%	13.41%	15.44%	19.25%
2025-12-31	867	11.04%	11.93%	13.35%	15.37%	19.12%
2025-09-30	869	11.03%	11.90%	13.38%	15.46%	19.23%
2025-06-30	154	11.47%	12.19%	13.39%	15.60%	18.02%
2025-03-31	157	11.63%	12.24%	13.36%	15.70%	17.94%
2024-12-31	158	11.58%	12.28%	13.41%	15.81%	18.07%
2024-09-30	158	11.46%	11.96%	13.40%	15.47%	17.77%
2024-06-30	155	11.33%	11.83%	13.15%	15.28%	17.90%
2024-03-31	157	11.09%	11.74%	12.88%	15.69%	17.77%
2023-12-31	158	10.90%	11.81%	12.94%	15.38%	17.78%
2023-09-30	156	10.82%	11.62%	12.76%	14.91%	18.27%
2023-06-30	155	10.81%	11.38%	12.63%	14.67%	18.02%
2023-03-31	159	10.66%	11.14%	12.52%	14.63%	18.65%
2022-12-31	158	10.58%	11.22%	12.54%	14.84%	18.56%
2022-09-30	158	10.36%	11.18%	12.55%	15.14%	18.42%
2022-06-30	158	10.38%	11.33%	12.74%	15.05%	18.16%
2022-03-31	160	10.64%	11.78%	12.93%	15.07%	18.15%
2021-12-31	159	10.86%	11.79%	13.26%	15.99%	19.66%
2021-09-30	161	11.01%	12.22%	13.44%	15.53%	20.43%
2021-06-30	160	11.21%	12.26%	13.48%	16.11%	20.28%
2021-03-31	158	11.19%	12.07%	13.22%	15.55%	19.96%
2020-12-31	151	10.90%	11.76%	12.92%	14.90%	19.68%
2020-09-30	151	10.75%	11.70%	12.80%	14.94%	19.49%
2020-06-30	148	10.60%	11.33%	12.44%	14.69%	19.34%
2020-03-31	124	10.40%	11.27%	12.36%	14.30%	20.51%
2019-12-31	140	10.62%	11.32%	12.33%	13.86%	18.32%
2019-09-30	143	10.51%	11.38%	12.42%	14.03%	18.10%
2019-06-30	141	10.61%	11.32%	12.46%	13.97%	17.97%
2019-03-31	141	10.72%	11.36%	12.44%	13.74%	17.65%
2018-12-31	137	10.57%	11.12%	12.41%	13.66%	17.59%
2018-09-30	138	10.67%	11.33%	12.41%	13.90%	17.35%
2018-06-30	134	10.65%	11.23%	12.38%	13.91%	16.93%
2018-03-31	132	10.64%	11.23%	12.33%	14.06%	16.78%
2017-12-31	123	10.43%	11.19%	12.26%	14.04%	17.51%
2017-09-30	125	10.62%	11.11%	12.41%	14.40%	17.79%
2017-06-30	121	10.50%	11.12%	12.52%	14.70%	18.02%
2017-03-31	118	10.57%	11.13%	12.36%	14.55%	17.74%
2016-12-31	114	10.40%	10.84%	12.36%	14.54%	17.41%
2016-09-30	114	10.39%	10.83%	12.37%	14.02%	17.44%
2016-06-30	112	10.28%	10.78%	12.22%	14.17%	17.90%
2016-03-31	109	10.30%	10.84%	12.42%	13.88%	18.10%

Institution drilldown

Highest reported values

#1PLANTE MORAN TRUST NA19186.81%
#2WHEATON COLLEGE TRUST CO NA833.62%
#3EVERCORE TRUST CO NA824.30%
#4ADP TRUST CO NATIONAL ASSN643.42%
#5JPMORGAN CHASE BANK DEARBORN507.91%
#6U S BANK TRUST NATIONAL ASSN488.44%
#7U S BANK TRUST NA SD483.07%
#8KEY NATIONAL TR CO OF DE467.81%
#9WINTRUST PRIVATE TRUST CO NA459.87%
#10BMO HARRIS CENTRAL NA446.89%

Institution drilldown

Lowest reported values

#2468CARVER FEDERAL SAVINGS BANK9.25%
#2469MILLENNIUM BANK9.22%
#2470SOUTHPOINT BANK8.91%
#2471UNITY NB OF HOUSTON8.54%
#2472NANO BANC7.83%
#2473CONNECT COMMUNITY BANK7.66%
#2474COLUMBIA SAVINGS&LOAN ASSN7.62%
#2475SUMMIT NATIONAL BANK4.82%
#2476TIOGA-FRANKLIN SAVINGS BANK2.89%
#2477LAMONT BANK OF ST JOHN2.67%

Institution discovery

Search verified rankings by quarter

2,477 matched institutions · selected period 2026-06-30

Reporting quarterBank name or FDIC certificateOrder

Rank	Institution	FDIC	Value	Percentile
#1	PLANTE MORAN TRUST NA	57418	19186.81%	P100
#2	WHEATON COLLEGE TRUST CO NA	57150	833.62%	P100
#3	EVERCORE TRUST CO NA	58927	824.30%	P100
#4	ADP TRUST CO NATIONAL ASSN	59194	643.42%	P100
#5	JPMORGAN CHASE BANK DEARBORN	21761	507.91%	P100
#6	U S BANK TRUST NATIONAL ASSN	57047	488.44%	P100
#7	U S BANK TRUST NA SD	34813	483.07%	P100
#8	KEY NATIONAL TR CO OF DE	59069	467.81%	P100
#9	WINTRUST PRIVATE TRUST CO NA	35063	459.87%	P100
#10	BMO HARRIS CENTRAL NA	58216	446.89%	P100
#11	EMIGRANT MERCANTILE BANK	57834	428.69%	P100
#12	TIAA TRUST NATIONAL ASSN	59344	413.34%	P100
#13	U S BANK TRUST CO NA	34588	409.95%	P100
#14	CREDIT FIRST NATIONAL ASSN	33855	400.63%	P99
#15	TOWNE TRUST CO NATIONAL ASSN	35248	360.02%	P99
#16	SEI PRIVATE TRUST CO	35388	359.17%	P99
#17	EDWARD JONES TRUST CO	28390	355.57%	P99
#18	ROCKEFELLER TRUST CO NA	26622	309.48%	P99
#19	NATIONAL ADVISORS TRUST CO	57160	294.81%	P99
#20	PAYCOM NATIONAL TRUST BANK	59363	293.19%	P99
#21	WELLS FARGO BANK S CNTL NA	5146	279.70%	P99
#22	WILMINGTON TRUST NA	34069	274.44%	P99
#23	IRACE DIGITAL BANK NA	59366	260.13%	P99
#24	INSPIRE TRUST CO NA	59349	258.61%	P99
#25	WELLS FARGO NB WEST	27389	253.98%	P99
#26	NEW COVENANT TRUST CO NA	34732	248.35%	P99
#27	PRIVATE TRUST CO NA	34057	242.64%	P99
#28	LEGACY TRUST CO N A	57380	226.62%	P99
#29	CANANDAIGUA NATL TR CO OF FL	58999	223.72%	P99
#30	CORNERSTONE COMMUNITY BANK	59379	220.54%	P99
#31	CIBC NATIONAL TRUST CO	91325	215.65%	P99
#32	RAYMOND JAMES TRUST NA	33879	215.65%	P99
#33	CHILTON TRUST CO NA	59255	210.37%	P99
#34	YOUNG AMERICANS BANK	27010	203.22%	P99
#35	CAPITAL BANK&TRUST CO	35164	202.30%	P99
#36	ECHELON BANK	59377	176.30%	P99
#37	EVERENCE TRUST CO	57109	175.57%	P99
#38	COLONIAL SAVINGS FA	31361	174.54%	P99
#39	NEUBERGER BERMAN TR CO DE NA	59047	171.89%	P98
#40	ASSOCIATED TRUST CO NA	27102	171.77%	P98
#41	DAVIDSON TRUST CO	35510	159.08%	P98
#42	FIRST NATIONAL TRUST CO	57793	153.75%	P98
#43	FIDELITY STATE BANK&TRUST CO	10920	153.07%	P98
#44	TRUST CO OF TOLEDO NA	33239	149.99%	P98
#45	NEUBERGER BERMAN TRUST CO NA	59046	147.57%	P98
#46	CBW BANK	13959	146.86%	P98
#47	VANGUARD NATIONAL TR CO NA	57304	146.81%	P98
#48	NATIONWIDE TRUST CO FSB	34710	141.82%	P98
#49	BANK OF JACKSON HOLE TRUST	23826	140.71%	P98
#50	MONET BANK	32574	135.52%	P98

Related metrics

Other definitions from the same schedule or domain

Grouped by shared source schedule where derivable, otherwise by the same analytical domain — not a claim of statistical correlation.

Reported values and deterministic derived observations are research inputs, not ratings or predictions. Cohort composition changes over time; use peer reports for a controlled cohort comparison.