September 10, 2026·4 min read
Forty-three percent of U.S. banks file no risk-based capital ratios, and the one ratio they do file tells its own story
1,819 of 4,272 banks report no Tier 1 risk-based capital ratio in the June 30 Call Report. They elect the community bank leverage framework instead. Read the leverage ratio directly and the picture is specific: a median of 11.7 percent, 36 banks under the framework's own 9 percent line, and 17 that crossed it in one quarter.
Read the entry →