Largest Banks in the US by Total Assets (2026)

Four banks hold 40.2% of the assets of every FDIC-insured bank in the United States. They are JPMorgan Chase Bank, Bank of America, Citibank and Wells Fargo Bank. JPMorgan Chase Bank alone reports $4.09 trillion, more than the smallest 4,092 banks in the country put together.

This ranking covers all 4,210 FDIC-insured institutions that filed a Call Report for June 30, 2026, which together hold $26.45 trillion. Every figure is the one the bank reported to its regulators, and every bank on the list that the Federal Reserve also publishes was checked against its release of the same data.

The 50 largest US banks

Ranked by total assets on June 30, 2026. Each row is one bank charter; a holding company that owns more than one charter appears once per charter.

Rank	Bank	Headquarters	Total assets	Deposits	US offices	Source
1	JPMorgan Chase Bank	Columbus, OH	$4.09 trillion	$2.82 trillion	5,176	FDIC
2	Bank of America	Charlotte, NC	$2.65 trillion	$2.12 trillion	3,598	FDIC
3	Citibank	Sioux Falls, SD	$1.98 trillion	$1.55 trillion	667	FDIC
4	Wells Fargo Bank	Sioux Falls, SD	$1.91 trillion	$1.56 trillion	4,161	FDIC
5	Goldman Sachs Bank USA	New York, NY	$759 billion	$499 billion	5	FDIC
6	U.S. Bank	Cincinnati, OH	$706 billion	$542 billion	2,097	FDIC
7	Capital One	McLean, VA	$662 billion	$513 billion	249	FDIC
8	PNC Bank	Wilmington, DE	$610 billion	$458 billion	2,413	FDIC
9	Truist Bank	Charlotte, NC	$548 billion	$419 billion	1,931	FDIC
10	The Bank of New York Mellon	New York, NY	$425 billion	$373 billion	13	FDIC
11	Morgan Stanley Bank	Salt Lake City, UT	$419 billion	$279 billion	1	FDIC
12	State Street Bank and Trust Company	Boston, MA	$413 billion	$326 billion	3	FDIC
13	TD Bank	Wilmington, DE	$343 billion	$278 billion	1,051	FDIC
14	Fifth Third Bank	Cincinnati, OH	$299 billion	$241 billion	1,508	FDIC
15	The Huntington National Bank	Columbus, OH	$283 billion	$227 billion	1,477	FDIC
16	BMO Bank	Chicago, IL	$255 billion	$194 billion	988	FDIC
17	Charles Schwab Bank, SSB †	Westlake, TX	$251 billion	$225 billion	1	FDIC
18	Morgan Stanley Private Bank	Purchase, NY	$250 billion	$212 billion	1	FDIC
19	First-Citizens Bank & Trust Company	Raleigh, NC	$236 billion	$174 billion	518	FDIC
20	Citizens Bank	Providence, RI	$233 billion	$189 billion	977	FDIC
21	Manufacturers and Traders Trust Company	Buffalo, NY	$219 billion	$172 billion	960	FDIC
22	American Express National Bank	Sandy, UT	$214 billion	$172 billion	1	FDIC
23	KeyBank	Cleveland, OH	$189 billion	$158 billion	952	FDIC
24	Ally Bank	Sandy, UT	$188 billion	$157 billion	1	FDIC
25	The Northern Trust Company	Chicago, IL	$179 billion	$148 billion	65	FDIC
26	HSBC Bank USA	Tysons, VA	$173 billion	$141 billion	22	FDIC
27	Regions Bank	Birmingham, AL	$160 billion	$132 billion	1,256	FDIC
28	Pinnacle Bank	Nashville, TN	$129 billion	$102 billion	429	FDIC
29	UBS Bank USA	Salt Lake City, UT	$124 billion	$109 billion	1	FDIC
30	Synchrony Bank †	Draper, UT	$115 billion	$86.0 billion	1	FDIC
31	USAA Federal Savings Bank †	Phoenix, AZ	$106 billion	$92.0 billion	2	FDIC
32	Santander Bank	Wilmington, DE	$104 billion	$84.4 billion	368	FDIC
33	City National Bank	Los Angeles, CA	$99.1 billion	$81.5 billion	71	FDIC
34	Western Alliance Bank	Phoenix, AZ	$98.6 billion	$82.3 billion	38	FDIC
35	Zions Bancorporation	Salt Lake City, UT	$89.0 billion	$76.6 billion	413	FDIC
36	Flagstar Bank	Hicksville, NY	$87.7 billion	$67.5 billion	345	FDIC
37	East West Bank	Pasadena, CA	$84.3 billion	$70.3 billion	97	FDIC
38	First Horizon Bank	Memphis, TN	$84.1 billion	$68.8 billion	416	FDIC
39	Old National Bank	Evansville, IN	$73.9 billion	$57.0 billion	361	FDIC
40	UMB Bank	Kansas City, MO	$71.9 billion	$60.2 billion	207	FDIC
41	SouthState Bank	Winter Haven, FL	$68.8 billion	$56.4 billion	374	FDIC
42	CIBC Bank USA	Chicago, IL	$66.5 billion	$51.5 billion	13	FDIC
43	Valley National Bank	Passaic, NJ	$66.2 billion	$54.3 billion	232	FDIC
44	Columbia Bank	Roseburg, OR	$65.4 billion	$52.2 billion	369	FDIC
45	Banco Popular de Puerto Rico †	San Juan, PR	$63.3 billion	$58.7 billion	1	FDIC
46	SoFi Bank	Cottonwood Heights, UT	$56.8 billion	$46.8 billion	4	FDIC
47	Frost Bank	San Antonio, TX	$54.0 billion	$43.7 billion	222	FDIC
48	BOKF	Tulsa, OK	$53.0 billion	$40.0 billion	115	FDIC
49	Associated Bank	Green Bay, WI	$51.8 billion	$40.1 billion	218	FDIC
50	First National Bank of Pennsylvania	Greenville, PA	$50.8 billion	$39.1 billion	361	FDIC

Download this table (CSV), free. The full dataset, every insured bank with its identifiers, is one email away.

† Not in the Federal Reserve's Large Commercial Banks release, because it is a savings institution or is based in a US territory. These rows are checked against the FDIC alone.

How concentrated US banking is

• The largest bank holds 15.5% of all insured bank assets.
• The largest four hold 40.2%, and the largest ten hold 54.2%.
• The 50 banks in the table hold 77.5%. The smallest of them, First National Bank of Pennsylvania, reports $50.8 billion.
• According to the FDIC, 32 banks report more than $100 billion in total assets.
• 4,050 banks, 96% of the total, are under $10 billion. Between them they hold 13.3% of insured bank assets.

Most US banks are small, and most US bank assets are in a handful of very large ones. Both facts matter to anyone selling to banks: most potential buyers are community banks, while most of the assets, and the largest budgets, sit at the top of this table.

What size changes about buying technology

A bank's size shapes how it buys systems as much as which systems it buys. The largest banks tend to run large internal engineering teams and negotiate bespoke terms; community banks more often buy hosted or managed services, and lean on their core provider's ecosystem for everything around it. Regional banks sit between the two: often large enough to need enterprise-grade systems, without the engineering depth of the very largest.

If you are evaluating vendors for a bank, these guides compare them side by side:

• Cloud-based core banking systems: what a move off a legacy core involves, and who can take it on.
• Mobile banking apps for regional banks: digital channel platforms for banks between community and money-center scale.
• Real-time payments platforms: the instant payment rails and the platforms that connect a bank to them.
• Banking-as-a-Service platforms for traditional banks: for banks that want to offer their charter to fintech partners.

Planning the change before choosing the vendor? The Retail Bank Business Capability Model maps what a bank does, and the Retail Banking Business Architecture Toolkit packages the model with value streams and an information model for a transformation program.

More from Finantrix Atlas

• Largest community banks in the US
• Largest credit unions in the US
• US bank mergers of the past year
• Largest bank trust departments
• Largest custodian banks, ranked by assets under custody

How this list was built

The universe is every active institution in the FDIC's BankFind Suite that reported for June 30, 2026, ranked by total assets as filed in its Call Report. Total assets and deposits are consolidated, so they include foreign offices; the office count is US offices only.

The Federal Reserve Board publishes the same quarter's figures for insured commercial banks in its Large Commercial Banks release. Each of the 46 commercial banks in the table appears there with the same consolidated assets, to the million dollars the Federal Reserve publishes, and in the same order. The 4 marked rows are outside that release. A list that disagreed with the Federal Reserve would not be published.

Limits

• Banks, not bank holding companies. A group that owns several charters, or a large nonbank business, is larger than any single row. 1 holding companies own more than one charter in this table.
• One quarter. Totals move from quarter to quarter, and a merger can reorder the list between filings. The date of the data is June 30, 2026.
• Assets are not size in every sense. A bank with a large trading or custody business can rank above a bank with far more branches and customers. Deposits and offices are shown so the difference is visible.
• Insured US institutions only. US branches of foreign banks and uninsured trust companies are outside the FDIC's insured universe and are not ranked.

Cite this

Free to quote, cite and republish, including the chart, with credit to Finantrix Atlas and a link to this page.

Four banks hold 40.2% of the assets of all FDIC-insured US banks, and JPMorgan Chase Bank alone holds more than the smallest 4,092 banks combined, according to a Finantrix Atlas analysis of June 30, 2026 Call Reports filed with the FDIC.

4,050 of the 4,210 insured US banks have less than $10 billion in assets, yet together they hold 13.3% of bank assets, according to Finantrix Atlas.

Suggested citation: Finantrix Atlas, "Largest Banks in the US by Total Assets," data as of June 30, 2026, from FDIC Call Reports. https://www.finantrix.com/articles/largest-banks-in-the-us

Embed the chart:

<a href="https://www.finantrix.com/articles/largest-banks-in-the-us"><img src="https://www.finantrix.com/atlas/largest-banks-in-the-us.png" alt="The largest US banks by total assets, from Finantrix Atlas"></a>
<p>Chart: <a href="https://www.finantrix.com/articles/largest-banks-in-the-us">Finantrix Atlas</a>, from FDIC Call Reports.</p>

Frequently asked questions

Q: What is the largest bank in the US? A: JPMorgan Chase Bank, with $4.09 trillion in total assets on June 30, 2026, according to its Call Report filed with the FDIC.

Q: How many banks are there in the US? A: 4,210 FDIC-insured institutions filed a Call Report for June 30, 2026, holding $26.45 trillion in total assets between them.

Q: How much of US banking do the biggest banks control? A: The four largest banks hold 40.2% of insured bank assets, and the ten largest hold 54.2%.

Q: How many US banks have more than $100 billion in assets? A: 32, according to FDIC data as of June 30, 2026.

Q: Why does this list differ from lists of the largest bank holding companies? A: It ranks individual bank charters, which is how the FDIC and the Federal Reserve report them. A holding company's total also includes its other charters and nonbank subsidiaries.