BankGrade: how healthy is your bank?
US bank financial-health data, graded from public FDIC call reports.
BankGrade reads the FDIC's public call-report data for the 118 largest US banks and turns it into a plain-English picture of financial health. For each bank you can see its capital ratio (equity ÷ assets), risk-based capital ratio, nonperforming-asset ratio, return on assets and a transparent Texas Ratio, plus an A–F grade computed from a published rubric. Every number comes straight from the FDIC's Q1 2026 (call report dated March 31, 2026) filings. This is informational only — it is not a rating, recommendation or statement about any bank's solvency, and your deposits are insured by the FDIC up to $250,000 per depositor, per bank, per ownership category regardless of these metrics.
Source: FDIC BankFind Suite API. Data as of June 2026.
Largest US banks by assets
The 12 biggest banks by total assets, with their capital ratio, Texas Ratio and BankGrade grade.
| # | Bank | Total assets | Capital ratio | Texas Ratio | Grade |
|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank | $4.02T | 8.4% | 3.75% | A |
| 2 | Bank of America | $2.67T | 9.0% | 3.89% | B |
| 3 | Citibank | $1.93T | 8.9% | 2.88% | B |
| 4 | Wells Fargo Bank | $1.85T | 9.3% | 6.43% | B |
| 5 | Goldman Sachs Bank USA | $751.8B | 8.5% | 4.06% | B |
| 6 | U.S. Bank | $683.4B | 9.9% | 8.84% | C |
| 7 | Capital One | $672.0B | 14.5% | 6.25% | B |
| 8 | PNC Bank | $567.9B | 10.5% | 4.85% | B |
| 9 | Truist Bank | $541.2B | 11.7% | 3.66% | B |
| 10 | The Bank of New York Mellon | $467.3B | 6.2% | 0.19% | B |
| 11 | Morgan Stanley Bank | $391.3B | 10.7% | 3.04% | A |
| 12 | State Street Bank and Trust Company | $386.5B | 7.4% | 0.75% | B |
Source: FDIC BankFind Suite API, Q1 2026 (call report dated March 31, 2026). Data as of June 2026.
See the full index of all 118 banks or browse the rankings.
What you can look up
Capital, asset quality, Texas Ratio, ROA and grade for each of the 118 largest US banks.
Safest banks by capitalBanks ranked by their equity-to-assets capital ratio — the simplest cushion measure.
Lowest Texas RatioThe banks with the least problem assets relative to their capital and reserves.
FDIC coverage calculatorWork out how much of your money is insured across accounts and ownership categories.
What the Texas Ratio meansThe classic bank-stress gauge — how to read it and where it breaks down.
How FDIC insurance worksWhat's covered, the $250,000 limit, and how ownership categories multiply it.
Best-capitalized banks right now
| Bank | Capital ratio (equity/assets) | Risk-based capital | Grade |
|---|---|---|---|
| Deutsche Bank Trust Company Americas | 24.8% | 56.9% | A |
| Prosperity Bank | 18.4% | 16.0% | A |
| Centennial Bank | 17.5% | 16.4% | A |
| CIBC Bank USA | 17.4% | 18.2% | B |
| United Bank | 16.6% | 14.8% | A |
| Rockland Trust Company | 15.7% | 15.7% | A |
Source: FDIC BankFind Suite API, Q1 2026 (call report dated March 31, 2026). Data as of June 2026.
See the full safest-banks ranking →
From the blog
The Texas Ratio divides a bank's problem assets by the capital and reserves that absorb them. Here's the formula, what a good value is, and where it breaks down.
Is my money safe? How FDIC insurance actually worksFDIC insurance covers $250,000 per depositor, per bank, per ownership category. Here's what's covered, how the limit multiplies, and why no insured saver has ever lost a cent.
The largest US banks by assets in 2026JPMorgan Chase leads US banks with about $4.0 trillion in assets, ahead of Bank of America, Citibank and Wells Fargo. Here's the 2026 ranking with capital ratios and grades.
How to check your bank's financial healthA five-minute guide to checking any US bank's financial health using free FDIC data — the four metrics to look at and how to read them together.
What bank metrics actually signal risk?Capital, asset quality and earnings are the three pillars of bank risk. Here's which call-report metrics matter, which mislead, and how to weigh them.
Are credit unions safer than banks?Credit unions and banks offer equivalent federal deposit insurance — $250,000 via the NCUA for credit unions, the FDIC for banks. Here's what actually differs.
Where the data comes from
Every figure on BankGrade is sourced from the FDIC BankFind Suite, the US government's public database of bank call reports (public domain). We use the Q1 2026 (call report dated March 31, 2026) filing period. The Texas Ratio and the A–F grade are transparent calculations over those official figures — every formula and threshold is published on our methodology page. We do not invent numbers, and we do not rate or recommend banks.
Last updated: 2026-06-20