Tier 1 Capital | All Banks (2024)

Quarter	Rsk Wt Assets	Tier 1 Capital	Ratio
2021 Q1	12,897,019,924,000	1,922,272,565,000	14.90
2021 Q2	13,143,910,047,000	1,962,276,511,000	14.93
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	14,597,176,892,000	2,105,686,612,000	14.43
2023 Q2	14,570,899,183,000	2,114,889,341,000	14.51
2023 Q3	14,558,960,903,000	2,139,445,890,000	14.70
2023 Q4	14,566,647,759,000	2,128,438,082,000	14.61

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	5,150,343,277,000	745,450,313,000	14.47
100-999 Billion	28	4,971,034,006,000	693,892,769,000	13.96
50-99 Billion	15	774,674,581,000	95,634,586,000	12.35
5-49 Billion	219	2,295,104,455,000	316,310,214,000	13.78
1-4.9 Billion	696	901,954,143,000	153,812,815,000	17.05
500-999 Million	757	266,712,718,000	58,596,709,000	21.97
250-499 Million	935	137,422,064,000	38,020,247,000	27.67
100-249 Million	1,040	58,467,191,000	21,198,811,000	36.26
50-99 Million	431	9,187,569,000	4,274,883,000	46.53
0-49 Million	202	1,747,755,000	1,246,735,000	71.33
	4,327	14,566,647,759,000	2,128,438,082,000	14.61

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	226,822	3,395,191,411,000	1,621,802,094,000	262,096,880,000	16.16
2	Bank of America Corporation	BAC	135,461	2,555,556,000,000	1,401,027,000,000	189,854,000,000	13.55
3	Wells Fargo & Company	WFC	199,718	1,751,965,274,000	1,143,554,183,000	144,261,433,000	12.62
4	Citibank	C	186,600	1,684,710,000,000	983,960,000,000	149,238,000,000	15.17
5	U.S. Bank	USB	72,548	650,658,504,000	445,829,068,000	58,638,485,000	13.15
6	PNC Bank	PNC	56,062	557,463,343,000	418,315,761,000	47,273,016,000	11.30
7	Truist Bank	TFC	48,463	527,530,000,000	414,916,840,000	48,387,000,000	11.66
8	Goldman Sachs Bank USA	GS	4,870	521,102,000,000	380,774,315,000	53,781,000,000	14.12
9	Capital One	COF	57,866	475,628,639,000	367,241,863,000	47,933,075,000	13.05
10	Morgan Stanley	MS	1,580	412,319,000,000	160,781,200,000	37,313,000,000	23.21
11	Toronto-Dominion Bank	TD	27,010	403,573,152,000	233,874,412,000	43,291,449,000	18.51
12	Bank of New York Mellon Corporation	BK	46,503	364,724,340,000	135,189,567,000	23,884,664,000	17.67
13	Charles Schwab Corporation	SCHW	1,392	342,521,000,000	91,490,000,000	36,399,000,000	39.78
14	State Street Bank and Trust Company	STT	40,135	293,238,000,000	109,542,520,000	16,884,000,000	15.41
15	Bank of Montreal	BMO	18,941	265,665,939,000	196,720,825,000	23,479,399,000	11.94
16	Citizens Bank	CFG	17,214	221,750,244,000	172,093,695,000	19,410,992,000	11.28
17	Fifth Third Bank	FITB	18,703	213,768,000,000	162,165,560,000	20,147,000,000	12.42
18	First-Citizens Bank & Trust Company	FCNCA	15,898	213,617,760,000	151,701,003,000	21,226,906,000	13.99
19	M&T Bank Corp.	MTB	21,883	208,453,715,000	153,502,462,000	18,249,997,000	11.89
20	The Huntington National Bank	HBAN	18,595	188,730,743,000	138,461,921,000	15,879,305,000	11.47
21	Ally Bank	ALLY	9,841	186,114,000,000	153,182,500,000	17,217,000,000	11.24
22	KeyBank	KEY	17,857	185,890,386,000	146,403,324,000	17,486,563,000	11.94
23	American Express National Bank	AXP	2,022	180,420,931,000	147,040,178,000	17,038,009,000	11.59
24	HSBC Holdings PLC		1,909	165,229,105,000	95,455,040,000	16,963,375,000	17.77
25	Regions Bank	RF	19,997	151,314,000,000	126,037,000,000	14,136,000,000	11.22
26	The Northern Trust Company	NTRS	22,937	150,251,927,000	88,743,984,000	10,806,181,000	12.18
27	Discover Bank	DFS	13,916	149,353,230,000	129,395,056,000	13,910,427,000	10.75
28	UBS Bank USA	UBS	699	114,334,131,000	36,854,187,000	10,368,962,000	28.14
29	Flagstar Bank	NYCB	8,766	113,998,085,000	88,449,831,000	9,305,482,000	10.52
30	United Services Automobile Association		14,972	112,940,748,000	58,287,425,000	10,299,259,000	17.67
31	Synchrony Bank	SYF	10,095	109,577,000,000	97,778,300,000	12,880,000,000	13.17
32	Santander Bank	BSAC	5,323	100,487,977,000	70,806,169,000	11,303,223,000	15.96
33	Royal Bank of Canada	RY	7,636	99,773,739,000	67,721,903,000	9,940,871,000	14.68
34	Zions Bank	ZION	9,679	87,202,697,000	66,934,435,000	7,302,629,000	10.91
35	Comerica Inc.	CMA	7,659	86,006,104,000	75,826,342,000	8,100,707,000	10.68
36	First Horizon Bank	FHN	7,010	81,367,479,000	70,635,329,000	8,350,218,000	11.82
37	Webster Bank	WBS	4,131	74,875,514,000	55,618,551,000	6,913,443,000	12.43
38	Western Alliance Bank	WAL	3,309	70,852,671,000	52,507,707,000	6,229,320,000	11.86
39	Popular, Inc.	BPOP	8,065	70,687,520,000	36,872,088,000	5,904,037,000	16.01
40	East West Bank	EWBC	3,206	69,478,848,000	53,539,980,000	6,732,946,000	12.58
41	Raymond James Financial	RJF	771	61,435,830,000	33,218,814,000	4,732,722,000	14.25
42	Valley National Bank	VLY	3,723	60,943,806,000	49,794,316,000	5,420,894,000	10.89
43	Synovus Bank	SNV	4,614	59,685,757,000	50,846,485,000	5,559,624,000	10.93
44	Wintrust Financial Corporation	WTFC	3,547	56,381,930,000	49,458,187,000	5,490,900,000	11.10
45	Canadian Imperial Bank Of Commerce		2,602	55,186,980,000	41,052,203,000	6,667,595,000	16.24
46	Umpqua Bank	UMPQ	4,987	52,167,342,000	40,222,760,000	4,231,569,000	10.52
47	Frost Bank	CFR	5,495	50,957,079,000	30,425,481,000	4,057,111,000	13.33
48	BOKF	BOKF	4,706	49,582,657,000	38,438,555,000	4,370,891,000	11.37
49	Cadence Bank	CADE	5,333	48,934,510,000	37,559,074,000	4,530,013,000	12.06
50	Old National Bank	ONB	3,538	48,802,528,000	37,248,470,000	4,308,574,000	11.57
51	Pinnacle Bank	PNFP	3,357	47,830,432,000	40,096,233,000	4,465,282,000	11.14
52	First National Bank of Pennsylvania	FNB	4,029	46,035,934,000	36,465,601,000	3,769,454,000	10.34
53	South State Bank	SSB	5,184	44,886,855,000	35,342,303,000	4,424,466,000	12.52
54	UMB Bank	UMBF	2,785	43,729,953,000	31,019,393,000	3,477,634,000	11.21
55	Barclays Bank Delaware		5,067	41,575,000,000	33,798,900,000	5,289,000,000	15.65
56	Associated Bank	ASB	4,086	40,967,266,000	32,680,863,000	3,167,182,000	9.69
57	Deutsche Bank Aktiengesellschaft	DB	390	38,855,336,000	18,490,000,000	9,784,808,000	52.92
58	Prosperity Bank	PB	3,850	38,556,810,000	23,675,920,000	3,665,750,000	15.48
59	Banc of California	BANC	2,290	38,369,415,000	27,269,983,000	3,617,643,000	13.27
60	MidFirst Bank		3,162	36,651,207,000	18,538,655,000	3,290,668,000	17.75
61	EverBank		1,537	36,153,160,000	23,228,560,000	3,379,513,000	14.55
62	BankUnited	BKU	1,601	35,721,140,000	25,121,234,000	3,287,884,000	13.09
63	Hanco*ck Whitney Bank	HWC	3,592	35,580,052,000	29,032,537,000	3,493,531,000	12.03
64	Bank OZK	OZK	2,744	34,237,457,000	39,198,053,000	4,569,223,000	11.66
65	Commerce Bank	CBSH	4,517	31,504,301,000	23,990,709,000	3,125,706,000	13.03
66	First National Bank of Omaha	FINN	4,479	31,111,148,000	27,878,434,000	2,923,400,000	10.49
67	First Interstate Bank	FIBK	3,393	30,603,575,000	22,103,261,000	2,433,017,000	11.01
68	Stifel Financial Corp.	SF	415	29,986,481,000	18,323,097,000	2,271,367,000	12.40
69	United Bank	UBSI	2,662	29,851,399,000	23,960,426,000	3,190,950,000	13.32
70	Sallie Mae Bank		1,729	29,141,841,000	24,566,016,000	3,019,973,000	12.29
71	Texas Capital Bank	TCBI	1,987	28,309,486,000	25,692,780,000	3,599,919,000	14.01
72	FirstBank		2,460	28,121,331,000	15,719,502,000	2,314,281,000	14.72
73	Glacier Bank	GBCI	3,287	27,724,419,000	18,633,347,000	2,424,902,000	13.01
74	Beal Financial Corporation		252	27,687,212,000	6,758,379,000	4,533,788,000	67.08
75	Arvest Bank		6,348	27,645,540,000	20,799,401,000	2,254,918,000	10.84
76	Fulton Bank	FULT	3,419	27,432,801,000	22,622,949,000	2,620,837,000	11.58
77	Simmons Bank	SFNC	2,989	27,308,895,000	20,553,171,000	2,663,153,000	12.96
78	United Community Bank	UCBI	3,085	27,241,407,000	19,933,429,000	2,435,962,000	12.22
79	City National Bank of Florida		919	26,139,361,000	19,062,816,000	2,654,748,000	13.93
80	Ameris Bank	ABCB	2,765	25,112,290,000	21,504,539,000	2,600,274,000	12.09
81	First Hawaiian Bank	FHB	2,089	24,926,221,000	16,308,106,000	2,006,393,000	12.30
82	SoFi Bank	GPBI	1,013	24,063,364,000	19,244,841,000	3,331,616,000	17.31
83	Bank of Hawaii	BOH	1,899	23,702,788,000	14,222,702,000	1,754,222,000	12.33
84	Cathay Bank	CATY	1,261	23,056,487,000	18,912,084,000	2,501,439,000	13.23
85	Washington Federal	WAFD	2,092	22,637,277,000	16,707,266,000	2,021,794,000	12.10
86	Ameriprise Bank	AMP	148	22,594,103,000	5,407,024,000	1,715,315,000	31.72
87	Centennial Bank	HOMB	2,819	22,582,477,000	18,350,801,000	2,495,303,000	13.60
88	Customers Bank	CUBI	714	21,303,502,000	13,565,622,000	1,868,360,000	13.77
89	Eastern Bank	EBC	1,722	21,118,604,000	16,271,727,000	2,892,277,000	17.77
90	Atlantic Union Bank	AUB	1,804	21,056,427,000	18,086,208,000	2,256,291,000	12.48
91	Axos Bank	AX	1,227	20,746,963,000	16,713,357,000	2,049,461,000	12.26
92	WSFS Bank	WSFS	2,141	20,494,574,000	15,923,204,000	2,184,193,000	13.72
93	Rockland Trust Company	INDB	1,721	19,352,632,000	14,256,869,000	2,048,426,000	14.37
94	HTLF Bank	HTLF	1,970	19,334,969,000	15,320,868,000	1,829,972,000	11.94
95	Pinnacle Bancorp, Inc.		2,007	19,275,397,000	13,958,377,000	1,779,180,000	12.75
96	Bank of Hope	HOPE	1,248	19,126,316,000	15,223,471,000	1,940,303,000	12.75
97	Independent Bank	IBTX	1,496	19,029,731,000	16,296,592,000	1,882,585,000	11.55
98	Pacific Premier Bank	PPBI	1,345	19,028,211,000	14,556,624,000	2,347,494,000	16.13
99	The Central Trust Bank	CBCYB	2,849	19,000,390,000	12,436,360,000	1,521,628,000	12.24
100	FirstBank Puerto Rico	FBP	3,122	18,901,836,000	12,942,575,000	2,213,995,000	17.11

FAQs

What is considered Tier 1 capital for a bank? ›

Tier 1 capital represents the core equity assets of a bank or financial institution. It is largely composed of disclosed reserves (also known as retained earnings) and common stock. It can also include noncumulative, nonredeemable preferred stock.

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What are the largest banks in the world by Tier 1 capital? ›

Industrial and Commercial Bank of China (ICBC) topped the ranking of the leading banks in the world in terms of Tier 1 capital in 2022. The Chinese banking giant's Tier 1 capital amounted to roughly 497 billion U.S. dollars.

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How do you calculate Tier 1 capital requirements? ›

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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What is a Tier 1 bank account? ›

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 is the tier 1 capital ratio for JPMorgan Chase? ›

CET1 ratio of JPMorgan Chase 2010-2022

In 2022, JPMorgan Chase had a common equity tier 1 (CET1) capital ratio of 13.2 percent, which was above the required level of 4.5 percent.

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What is Tier 2 capital for banks? ›

Tier 2 capital includes a variety of supplementary assets which are relatively safe, but riskier than core capital. Tier 2 includes revaluation reserves, undisclosed reserves, hybrid securities, and subordinated debt.

Is gold a Tier 1 asset? ›

Thus, the regulation reclassifies physical, allocated gold as a Tier 1 asset (the safest tier), comparable to cash, while it continues to categorise paper gold, or unallocated gold, as Tier 3 (the riskiest tier).

Where do banks invest their money? ›

They also make money on the fees they charge their customers for various services. In addition, banks invest a portion of their deposits directly in assets such as real estate, bonds, and stocks.

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What is Tier 1, tier 2, and tier 3 capital in banks? ›

Tier 1 capital is intended to measure a bank's financial health; a bank uses tier 1 capital to absorb losses without ceasing business operations. Tier 2 capital is supplementary capital, i.e., less reliable than tier 1 capital. A bank's total capital is calculated as a sum of its tier 1 and tier 2 capital.

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Is First bank a Tier 1 bank? ›

Market Leader: (tier -1 recognition) Environmental, Social and Governance (ESG), Highly Regarded: in Corporate Banking and Digital Solutions, Notable: in SME Banking. Also, in 2022 International Finance Magazine named the Bank “Most Innovative Banking Product in Nigeria” and “Best Retail Bank in Nigeria”.

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What is the limit of Tier 1 account? ›

Maximum single deposit of N50,000. Maximum cumulative balance of N300,000. E-dividend lodgement is allowed.

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What is Tier 1 capital vs Tier 1 common capital? ›

Tier 1 capital includes the sum of a bank's equity capital, its disclosed reserves, and non-redeemable, non-cumulative preferred stock. Tier 1 common capital, however, excludes all types of preferred stock as well as non-controlling interests.