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Home / Money & Banking / Best National Banks of 2026
Last Updated: Sep 2026

Best National Banks of 2026

Ranked from real, publicly reported FDIC data — return on assets and capital adequacy. See full methodology →

Showing 25 ranked entities Sort by: Overall Rank
1

American Express National Bank

Sandy, UT
71.0
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2

Capital One, National Association

Mclean, VA
65.8
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3

Manufacturers and Traders Trust Company

Buffalo, NY
51.3
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4

TD Bank, National Association

Wilmington, DE
43.8
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5

Fifth Third Bank, National Association

Cincinnati, OH
42.7
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6

The Huntington National Bank

Columbus, OH
40.6
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7

Truist Bank

Charlotte, NC
40.5
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8

Morgan Stanley Bank, National Association

Salt Lake City, UT
38.5
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9

PNC Bank, National Association

Wilmington, DE
37.7
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10

Citizens Bank, National Association

Providence, RI
37.2
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11

BMO Bank National Association

Chicago, IL
37.0
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12

KeyBank National Association

Cleveland, OH
34.9
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13

U.S. Bank National Association

Cincinnati, OH
33.2
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14

JPMorgan Chase Bank, National Association

Columbus, OH
32.4
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15

Wells Fargo Bank, National Association

Sioux Falls, SD
31.5
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16

First-Citizens Bank & Trust Company

Raleigh, NC
29.9
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17

Bank of America, National Association

Charlotte, NC
28.2
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18

Ally Bank

Sandy, UT
25.5
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19

Citibank, National Association

Sioux Falls, SD
25.0
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20

Goldman Sachs Bank USA

New York, NY
24.0
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21

Charles Schwab Bank, SSB

Westlake, TX
22.5
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22

The Northern Trust Company

Chicago, IL
22.5
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23

The Bank of New York Mellon

New York, NY
21.7
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24

Morgan Stanley Private Bank, National Association

Purchase, NY
17.2
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25

State Street Bank and Trust Company

Boston, MA
15.8
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How This Ranking Works

Overall score = 60% return on assets (ROA, profitability/efficiency) + 40% capital ratio (equity ÷ total assets, a core safety measure). All figures come directly from the FDIC BankFind Suite API with no manual adjustment. Read the full methodology →