# Median $1bn+ FDIC filer total risk-based capital ratio | PIER20 benchmarks

What does Median $1bn+ FDIC filer total risk-based capital ratio show?

Median $1bn+ FDIC filer total risk-based capital ratio is a source-faithful PIER20 calculation from FDIC data. Scope: Quarterly cross-sectional median of FDIC financial filers with at least $1 billion in reported total assets in that current quarter. Required prior comparison records may be below $1 billion. It follows the published eligibility, denominator, missing-value, revision and coverage rules in the Phase 1 computation contract.

As of **Q1 2026**, the latest reading is **13.88%**. That is up 0.1 pp over the past year and above its long-run median of 13.67%.

## Summary statistics (full history)

| Series | First | Latest | Min | Max |
|---|---|---|---|---|
| PIER20 calculation: Median $1bn+ FDIC filer total risk-based capital ratio | 13.21 | 13.88 | 13.21 | 14.25 |

## Last 24 readings

| Date | PIER20 calculation: Median $1bn+ FDIC filer total risk-based capital ratio |
|---|---|
| Q2 2020 | 13.51 |
| Q3 2020 | 13.72 |
| Q4 2020 | 13.84 |
| Q1 2021 | 14.14 |
| Q2 2021 | 14.25 |
| Q3 2021 | 14.16 |
| Q4 2021 | 13.94 |
| Q1 2022 | 13.80 |
| Q2 2022 | 13.47 |
| Q3 2022 | 13.36 |
| Q4 2022 | 13.24 |
| Q1 2023 | 13.30 |
| Q2 2023 | 13.34 |
| Q3 2023 | 13.32 |
| Q4 2023 | 13.43 |
| Q1 2024 | 13.52 |
| Q2 2024 | 13.53 |
| Q3 2024 | 13.60 |
| Q4 2024 | 13.67 |
| Q1 2025 | 13.74 |
| Q2 2025 | 13.74 |
| Q3 2025 | 13.85 |
| Q4 2025 | 13.83 |
| Q1 2026 | 13.88 |

## Frequently asked questions

**What is the current median $1bn+ FDIC filer total risk-based capital ratio?**

As of Q1 2026, the latest reading is 13.88%. That is up 0.1 pp over the past year and above its long-run median of 13.67%.

**How often is this benchmark updated?**

This benchmark is built on quarterly data. The page is refreshed when the source publishes new observations; the freshness block below the chart shows the exact data-through date and when PIER20 last fetched the file.

**What data sources does this chart use?**

The chart is built from PIER20 calculation: Median $1bn+ FDIC filer total risk-based capital ratio, sourced from the Federal Deposit Insurance Corporation (FDIC).

## Methodology

- Formula: Cross-sectional median across eligible banks of: FDIC-reported total risk-based capital ratio
- Frequency: Quarterly
- Sources: PIER20 calculation: Median $1bn+ FDIC filer total risk-based capital ratio (FDIC-12) https://api.fdic.gov/banks/docs. Data via the Federal Deposit Insurance Corporation (FDIC).
- Data through: Q1 2026
- Last refreshed: 13 Aug 2026

Full interactive chart: https://pier20.com/benchmarks/phase1-fdic-12
Disclaimer: research software output, not investment advice.