How is Bank equity to assets calculated?

RC 3210 / RC 2170. Null policy: abstain if missing.

What source schedule does Bank equity to assets come from?

RC, per official FFIEC Call Report instructions.

How many banks reported Bank equity to assets for 2026-06-30?

4296 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.

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

Bank equity to assets

Bank equity excludes noncontrolling interests; matched reporting bank. Quarter-end reported balances. Source evidence: metric-source-contract-validation.json SHA256 38fdaa264d855efba9eacd852269d1d5ed33a76f4620c7726d21828dfb5e9a7d Open official FFIEC instructions ↗

In plain English

Bank equity to assets: what it shows

Total equity capital divided by total assets, taken straight from the balance sheet. It is accounting equity, not regulatory capital.

Where reporting institutions stand now

As of Q2 2026, 4,296 banks reported a verified value for bank equity to assets. The median was 10.6%, the middle half of them fell between 9.08% and 12.9%, and the range from the 10th to the 90th percentile ran 7.85% to 16.3%.

Over the last four quarters the median moved from 11.2% in Q2 2025 to 10.6%, down 0.57 percentage points.

Across the 42 quarters on record, from Q1 2016, the median has ranged from 9.83% (Q3 2022) to 12.5% (Q4 2019).

Why it matters

It is a plain cushion measure: how many cents of each asset dollar are funded by the owners rather than by depositors and creditors.

How to read it

A higher ratio means a thicker cushion relative to size, usually with lower return on equity. Compare within a size group, and read it next to the CET1 ratio where a bank reports one.

What to watch for

Accounting equity includes accumulated other comprehensive income, so unrealized losses on available-for-sale securities reduce it. That effect was large in 2022 and 2023 as rates rose, and many regulatory capital measures exclude it.

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.
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 quarters4296 current observationsRATIO unit

Calculation contract

`RC 3210 / RC 2170`

Source schedule: RC

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 3210 / RC 2170Null policy: abstain if missing
v1 · 2016-01-01 to superseded: RC 3210 / RC 2170Null policy: abstain if missing

Reading this page

Percentiles describe position, not merit.

P10 through P90 below mark where 4296 banks' reported bank equity to assets 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

Bank equity to assets — covered-bank median

View chart data as a table

Period	Value	Revision	Event
2016-09-30	11.503 percent	No marker	None
2016-12-31	11.171 percent	No marker	None
2017-03-31	11.484 percent	No marker	None
2017-06-30	11.615 percent	No marker	None
2017-09-30	11.502 percent	No marker	None
2017-12-31	11.411 percent	No marker	None
2018-03-31	11.644 percent	No marker	None
2018-06-30	11.991 percent	No marker	None
2018-09-30	12.172 percent	No marker	None
2018-12-31	12.069 percent	No marker	None
2019-03-31	12.405 percent	No marker	None
2019-06-30	12.316 percent	No marker	None
2019-09-30	12.177 percent	No marker	None
2019-12-31	12.547 percent	No marker	None
2020-03-31	11.505 percent	No marker	None
2020-06-30	10.976 percent	No marker	None
2020-09-30	11.35 percent	No marker	None
2020-12-31	11.143 percent	No marker	None
2021-03-31	10.72 percent	No marker	None
2021-06-30	10.792 percent	No marker	None
2021-09-30	10.757 percent	No marker	None
2021-12-31	10.555 percent	No marker	None
2022-03-31	10.241 percent	No marker	None
2022-06-30	10.136 percent	No marker	None
2022-09-30	9.828 percent	No marker	None
2022-12-31	9.836 percent	No marker	None
2023-03-31	10.044 percent	No marker	None
2023-06-30	10.024 percent	No marker	None
2023-09-30	9.968 percent	No marker	None
2023-12-31	10.266 percent	No marker	None
2024-03-31	10.391 percent	No marker	None
2024-06-30	10.55 percent	No marker	None
2024-09-30	10.937 percent	No marker	None
2024-12-31	10.964 percent	No marker	None
2025-03-31	11.03 percent	No marker	None
2025-06-30	11.188 percent	No marker	None
2025-09-30	10.362 percent	No marker	None
2025-12-31	10.377 percent	No marker	None
2026-03-31	10.437 percent	No marker	None
2026-06-30	10.613 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

Bank equity to assets across covered banks

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

2026-06-30 latest period4,296 observations10.61% median9.08%–12.88% interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-06-30	4,296	7.85%	9.08%	10.61%	12.88%	16.28%
2026-03-31	1,051	8.19%	9.13%	10.44%	12.02%	14.17%
2025-12-31	1,056	8.18%	9.09%	10.38%	12.06%	14.15%
2025-09-30	1,053	8.11%	9.03%	10.36%	12.00%	14.03%
2025-06-30	154	7.81%	9.48%	11.19%	12.70%	14.53%
2025-03-31	157	7.92%	9.44%	11.03%	12.72%	14.43%
2024-12-31	158	7.58%	9.11%	10.96%	12.52%	14.41%
2024-09-30	158	7.89%	9.12%	10.94%	12.42%	14.40%
2024-06-30	155	7.45%	8.92%	10.55%	12.30%	14.00%
2024-03-31	157	7.30%	8.59%	10.39%	12.21%	14.31%
2023-12-31	158	7.13%	8.61%	10.27%	12.18%	14.33%
2023-09-30	156	6.65%	8.34%	9.97%	11.81%	13.96%
2023-06-30	156	6.79%	8.44%	10.02%	11.72%	13.86%
2023-03-31	160	6.90%	8.44%	10.04%	11.73%	13.74%
2022-12-31	158	6.91%	8.21%	9.84%	11.71%	13.66%
2022-09-30	158	6.70%	8.16%	9.83%	11.53%	13.91%
2022-06-30	159	6.90%	8.56%	10.14%	11.69%	14.00%
2022-03-31	160	7.00%	8.73%	10.24%	11.89%	14.20%
2021-12-31	160	7.21%	9.10%	10.56%	12.29%	14.48%
2021-09-30	162	7.42%	9.04%	10.76%	12.43%	14.74%
2021-06-30	160	7.62%	9.15%	10.79%	12.82%	14.80%
2021-03-31	158	7.58%	9.13%	10.72%	12.58%	14.58%
2020-12-31	151	7.89%	9.27%	11.14%	13.08%	15.29%
2020-09-30	151	7.69%	9.40%	11.35%	13.15%	14.76%
2020-06-30	148	7.83%	9.40%	10.98%	13.23%	14.66%
2020-03-31	144	7.84%	9.49%	11.50%	13.96%	16.10%
2019-12-31	140	8.68%	10.21%	12.55%	14.61%	16.86%
2019-09-30	143	8.76%	10.34%	12.18%	14.50%	16.82%
2019-06-30	141	9.03%	10.30%	12.32%	14.37%	16.87%
2019-03-31	141	9.15%	10.35%	12.40%	14.23%	16.84%
2018-12-31	137	8.96%	10.19%	12.07%	13.97%	16.48%
2018-09-30	138	9.17%	10.31%	12.17%	13.83%	16.25%
2018-06-30	134	9.19%	10.31%	11.99%	13.64%	16.23%
2018-03-31	132	9.02%	10.23%	11.64%	13.74%	16.02%
2017-12-31	123	8.91%	10.18%	11.41%	13.56%	16.30%
2017-09-30	125	9.04%	10.12%	11.50%	13.77%	16.17%
2017-06-30	121	8.78%	10.16%	11.62%	13.82%	16.24%
2017-03-31	118	8.46%	9.89%	11.48%	13.57%	15.16%
2016-12-31	114	8.37%	9.59%	11.17%	13.01%	15.10%
2016-09-30	114	8.25%	9.53%	11.50%	13.16%	15.23%

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	4296	7.85%	9.08%	10.61%	12.88%	16.28%
2026-03-31	1051	8.19%	9.13%	10.44%	12.02%	14.17%
2025-12-31	1056	8.18%	9.09%	10.38%	12.06%	14.15%
2025-09-30	1053	8.11%	9.03%	10.36%	12.00%	14.03%
2025-06-30	154	7.81%	9.48%	11.19%	12.70%	14.53%
2025-03-31	157	7.92%	9.44%	11.03%	12.72%	14.43%
2024-12-31	158	7.58%	9.11%	10.96%	12.52%	14.41%
2024-09-30	158	7.89%	9.12%	10.94%	12.42%	14.40%
2024-06-30	155	7.45%	8.92%	10.55%	12.30%	14.00%
2024-03-31	157	7.30%	8.59%	10.39%	12.21%	14.31%
2023-12-31	158	7.13%	8.61%	10.27%	12.18%	14.33%
2023-09-30	156	6.65%	8.34%	9.97%	11.81%	13.96%
2023-06-30	156	6.79%	8.44%	10.02%	11.72%	13.86%
2023-03-31	160	6.90%	8.44%	10.04%	11.73%	13.74%
2022-12-31	158	6.91%	8.21%	9.84%	11.71%	13.66%
2022-09-30	158	6.70%	8.16%	9.83%	11.53%	13.91%
2022-06-30	159	6.90%	8.56%	10.14%	11.69%	14.00%
2022-03-31	160	7.00%	8.73%	10.24%	11.89%	14.20%
2021-12-31	160	7.21%	9.10%	10.56%	12.29%	14.48%
2021-09-30	162	7.42%	9.04%	10.76%	12.43%	14.74%
2021-06-30	160	7.62%	9.15%	10.79%	12.82%	14.80%
2021-03-31	158	7.58%	9.13%	10.72%	12.58%	14.58%
2020-12-31	151	7.89%	9.27%	11.14%	13.08%	15.29%
2020-09-30	151	7.69%	9.40%	11.35%	13.15%	14.76%
2020-06-30	148	7.83%	9.40%	10.98%	13.23%	14.66%
2020-03-31	144	7.84%	9.49%	11.50%	13.96%	16.10%
2019-12-31	140	8.68%	10.21%	12.55%	14.61%	16.86%
2019-09-30	143	8.76%	10.34%	12.18%	14.50%	16.82%
2019-06-30	141	9.03%	10.30%	12.32%	14.37%	16.87%
2019-03-31	141	9.15%	10.35%	12.40%	14.23%	16.84%
2018-12-31	137	8.96%	10.19%	12.07%	13.97%	16.48%
2018-09-30	138	9.17%	10.31%	12.17%	13.83%	16.25%
2018-06-30	134	9.19%	10.31%	11.99%	13.64%	16.23%
2018-03-31	132	9.02%	10.23%	11.64%	13.74%	16.02%
2017-12-31	123	8.91%	10.18%	11.41%	13.56%	16.30%
2017-09-30	125	9.04%	10.12%	11.50%	13.77%	16.17%
2017-06-30	121	8.78%	10.16%	11.62%	13.82%	16.24%
2017-03-31	118	8.46%	9.89%	11.48%	13.57%	15.16%
2016-12-31	114	8.37%	9.59%	11.17%	13.01%	15.10%
2016-09-30	114	8.25%	9.53%	11.50%	13.16%	15.23%
2016-06-30	112	8.68%	9.74%	11.50%	13.16%	15.06%
2016-03-31	109	8.39%	9.80%	11.53%	13.27%	15.14%

Institution drilldown

Highest reported values

#1UMB BANK&TRUST NATIONAL ASSN100.00%
#2U S BANK TRUST NA SD99.82%
#3WELLS FARGO DE TR CO NA99.39%
#4JPMORGAN CHASE BANK DEARBORN99.28%
#5U S BANK TRUST NATIONAL ASSN98.61%
#6WINTRUST PRIVATE TRUST CO NA98.39%
#7STATE STREET B&T CO NA98.10%
#8KEY NATIONAL TR CO OF DE98.06%
#9HSBC TRUST CO DELAWARE NA97.41%
#10FIDELITY PERSONAL TR CO FSB96.87%

Institution drilldown

Lowest reported values

#4287UNION BANKING CO2.38%
#4288ANCHORAGE DIGITAL BANK NA2.26%
#4289BANK OF TIOGA2.08%
#4290TIOGA-FRANKLIN SAVINGS BANK2.04%
#4291BANK OF VICI1.76%
#4292TRUSTTEXAS BANK SSB1.48%
#4293FIRST STB OF RANDOLPH COUNTY1.40%
#4294LAMONT BANK OF ST JOHN1.28%
#4295MAUCH CHUNK TRUST CO1.07%
#4296FIRST NATIONAL BANK&TRUST CO1.02%

Institution discovery

Search verified rankings by quarter

4,296 matched institutions · selected period 2026-06-30

Reporting quarterBank name or FDIC certificateOrder

Rank	Institution	FDIC	Value	Percentile
#1	UMB BANK&TRUST NATIONAL ASSN	34065	100.00%	P100
#2	U S BANK TRUST NA SD	34813	99.82%	P100
#3	WELLS FARGO DE TR CO NA	34465	99.39%	P100
#4	JPMORGAN CHASE BANK DEARBORN	21761	99.28%	P100
#5	U S BANK TRUST NATIONAL ASSN	57047	98.61%	P100
#6	WINTRUST PRIVATE TRUST CO NA	35063	98.39%	P100
#7	STATE STREET B&T CO NA	24938	98.10%	P100
#8	KEY NATIONAL TR CO OF DE	59069	98.06%	P100
#9	HSBC TRUST CO DELAWARE NA	58188	97.41%	P100
#10	FIDELITY PERSONAL TR CO FSB	35206	96.87%	P100
#11	ALVAREZ&MARSAL TRUST CO NA	59395	96.11%	P100
#12	CREDIT FIRST NATIONAL ASSN	33855	96.04%	P100
#13	WELLS FARGO TRUST CO NA	13718	95.65%	P100
#14	INSPIRE TRUST CO NA	59349	95.54%	P100
#15	SYNOVUS TRUST CO NA	33962	95.12%	P100
#16	EVERCORE TRUST CO NA	58927	95.07%	P100
#17	WHEATON COLLEGE TRUST CO NA	57150	95.01%	P100
#18	BESSEMER TR CO OF CA NA	35413	94.60%	P100
#19	DEUTSCHE BANK TR CO DELAWARE	26392	94.58%	P100
#20	CITICORP TRUST DELAWARE NA	25677	94.37%	P100
#21	BANK OF LUMBER CITY	16281	94.05%	P100
#22	CETERA TRUST CO NA	57405	93.90%	P100
#23	FIRST COMMUNITY TRUST NA	57179	93.29%	P99
#24	PAYCOM NATIONAL TRUST BANK	59363	93.19%	P99
#25	HOUSTON BANK&TRUST	59360	93.01%	P99
#26	PRIVATE TRUST CO NA	34057	92.94%	P99
#27	PORTRAIT BANK	59381	92.92%	P99
#28	DAYFORCE NATIONAL TRUST BANK	59337	92.67%	P99
#29	NEW COVENANT TRUST CO NA	34732	92.39%	P99
#30	TIAA TRUST NATIONAL ASSN	59344	92.30%	P99
#31	U S BANK TRUST CO NA	34588	91.63%	P99
#32	EDWARD JONES TRUST CO	28390	91.53%	P99
#33	SEI PRIVATE TRUST CO	35388	91.51%	P99
#34	DEUTSCHE BANK TRUST CO NA	34056	91.49%	P99
#35	BESSEMER TR CO OF DE NA	58011	90.99%	P99
#36	ITS BANK	34619	90.85%	P99
#37	PLANTE MORAN TRUST NA	57418	89.29%	P99
#38	WESTERN ALLIANCE TRUST CO NA	57288	88.97%	P99
#39	TRUST CO OF TOLEDO NA	33239	88.70%	P99
#40	ADP TRUST CO NATIONAL ASSN	59194	88.61%	P99
#41	PREFERRED LEGACY NATL TR BK	59357	88.35%	P99
#42	WILMINGTON TRUST NA	34069	88.23%	P99
#43	EVERENCE TRUST CO	57109	87.71%	P99
#44	HIGHTOWER TRUST CO NA	59321	87.65%	P99
#45	BMO HARRIS CENTRAL NA	58216	87.46%	P99
#46	IRACE DIGITAL BANK NA	59366	86.66%	P99
#47	ASSOCIATED TRUST CO NA	27102	85.65%	P99
#48	COUNTRY TRUST BANK	35602	85.65%	P99
#49	EMIGRANT MERCANTILE BANK	57834	85.64%	P99
#50	FIRST FINANCIAL TRUST NA	27479	84.97%	P99

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.