The US banking system is dominated by a handful of giants. Here are the largest banks by total assets on the most recent FDIC call report (Q1 2026), with the headline health metrics for each.
The top of the table
| # | Bank | Total assets | Capital ratio | ROA | Texas Ratio |
|---|---|---|---|---|---|
| 1 | JPMorgan Chase | ~$4.0T | 8.4% | 1.44% | 3.75% |
| 2 | Bank of America | ~$2.7T | 9.0% | 1.12% | 3.89% |
| 3 | Citibank | ~$1.9T | 8.9% | 1.06% | 2.88% |
| 4 | Wells Fargo | ~$1.9T | 9.3% | 1.30% | 6.43% |
| 5 | Goldman Sachs Bank USA | ~$0.75T | 8.5% | 1.12% | 4.06% |
| 6 | U.S. Bank | ~$0.68T | 9.9% | 1.17% | 8.84% |
See the full largest-banks ranking for all of the biggest banks, or the complete bank index.
Does bigger mean safer?
Not on its own. The biggest banks are designated systemically important and face the toughest capital requirements and annual stress tests, which tends to keep their capital ratios solid and their Texas Ratios low — as the table shows. But size is not a safety metric. A smaller bank with a 15% capital ratio is better capitalised than a giant at 8%.
For ordinary savers, the safety that matters is FDIC insurance — $250,000 per depositor, per bank, per ownership category — which applies identically whether your bank has $4 trillion or $4 billion in assets. See how FDIC insurance works.
Where these numbers come from
Every figure is from the FDIC BankFind Suite, the US government’s public database of bank call reports. We update the snapshot each quarter. Want to dig into a single bank? Start with its page in the bank index.
Informational only — not financial advice or a solvency opinion. Source: FDIC BankFind Suite, Q1 2026.