Largest US Regional Banks, $10B to $250B (2026)

The 140 US banks with $10 billion to $250 billion in assets hold 22.9% of the assets of every FDIC-insured bank, down from 27.8% a year earlier, according to FDIC data. The fall is banks leaving at the top. Five banks grew past $250 billion in the year, according to FDIC data: The Huntington National Bank, Fifth Third Bank, Morgan Stanley Bank, Morgan Stanley Private Bank and Charles Schwab Bank, SSB; The Huntington National Bank and Fifth Third Bank absorbed another bank's charter on the way. Four more were absorbed by banks that are now above $250 billion, according to the FDIC: Comerica Bank (into Fifth Third Bank), Cadence Bank (into The Huntington National Bank), FirstBank (into PNC Bank) and Veritex Community Bank (into The Huntington National Bank). A year earlier those banks held 5.2% of insured bank assets, according to the FDIC.

According to the FDIC, the largest bank in the band is First-Citizens Bank & Trust Company of Raleigh, NC, with $236 billion, followed by Citizens Bank and Manufacturers and Traders Trust Company. The band is the one the FDIC uses for one of the five asset-size groups in its Quarterly Banking Profile, and its count and share match that publication for both dates.

regional banks, FDIC-insured banks with $10 billion to $250 billion in total assets, June 30, 2026, from FDIC data, led by First-Citizens Bank & Trust Company at $236 billion">

Every US bank with $10 billion to $250 billion in assets

Ranked by total assets on June 30, 2026. Each row is one bank charter. "Change in a year" compares the bank's total assets with its own Call Report for June 30, 2025. The FDIC specialization is the FDIC's own classification of each bank by where its assets are concentrated.

Rank	Bank	Headquarters	Total assets	Change in a year	Deposits	US offices	FDIC specialization	Source
1	First-Citizens Bank & Trust Company	Raleigh, NC	$236 billion	+3.0%	$174 billion	518	Commercial lending	FDIC
2	Citizens Bank	Providence, RI	$233 billion	+6.7%	$189 billion	977	All other	FDIC
3	Manufacturers and Traders Trust Company	Buffalo, NY	$219 billion	+3.7%	$172 billion	960	Commercial lending	FDIC
4	American Express National Bank	Sandy, UT	$214 billion	+1.1%	$172 billion	1	Credit card	FDIC
5	KeyBank	Cleveland, OH	$189 billion	+3.3%	$158 billion	952	Commercial lending	FDIC
6	Ally Bank	Sandy, UT	$188 billion	+5.7%	$157 billion	1	Consumer lending	FDIC
7	The Northern Trust Company	Chicago, IL	$179 billion	+4.2%	$148 billion	65	International	FDIC
8	HSBC Bank USA	Tysons, VA	$173 billion	+2.0%	$141 billion	22	All other	FDIC
9	Regions Bank	Birmingham, AL	$160 billion	+1.3%	$132 billion	1,256	Commercial lending	FDIC
10	Pinnacle Bank ◊	Nashville, TN	$129 billion	+135.5%	$102 billion	429	Commercial lending	FDIC
11	UBS Bank USA	Salt Lake City, UT	$124 billion	+8.9%	$109 billion	1	All other	FDIC
12	Synchrony Bank	Draper, UT	$115 billion	+1.2%	$86.0 billion	1	Credit card	FDIC
13	USAA Federal Savings Bank	Phoenix, AZ	$106 billion	−0.3%	$92.0 billion	2	All other	FDIC
14	Santander Bank	Wilmington, DE	$104 billion	+0.6%	$84.4 billion	368	All other	FDIC
15	City National Bank	Los Angeles, CA	$99.1 billion	+5.2%	$81.5 billion	71	Commercial lending	FDIC
16	Western Alliance Bank	Phoenix, AZ	$98.6 billion	+13.8%	$82.3 billion	38	Commercial lending	FDIC
17	Zions Bancorporation	Salt Lake City, UT	$89.0 billion	+0.2%	$76.6 billion	413	Commercial lending	FDIC
18	Flagstar Bank	Hicksville, NY	$87.7 billion	−4.8%	$67.5 billion	345	Commercial lending	FDIC
19	Webster Bank ‡	Stamford, CT	$85.9 billion	+5.0%	$70.7 billion	194	Commercial lending	FDIC
20	East West Bank	Pasadena, CA	$84.3 billion	+8.6%	$70.3 billion	97	Commercial lending	FDIC
21	First Horizon Bank	Memphis, TN	$84.1 billion	+2.9%	$68.8 billion	416	Commercial lending	FDIC
22	Old National Bank	Evansville, IN	$73.9 billion	+4.5%	$57.0 billion	361	Commercial lending	FDIC
23	UMB Bank	Kansas City, MO	$71.9 billion	+0.6%	$60.2 billion	207	Commercial lending	FDIC
24	SouthState Bank	Winter Haven, FL	$68.8 billion	+4.4%	$56.4 billion	374	Commercial lending	FDIC
25	CIBC Bank USA	Chicago, IL	$66.5 billion	+10.2%	$51.5 billion	13	Commercial lending	FDIC
26	Valley National Bank	Passaic, NJ	$66.2 billion	+5.7%	$54.3 billion	232	Commercial lending	FDIC
27	Columbia Bank ◊	Roseburg, OR	$65.4 billion	+26.0%	$52.2 billion	369	Commercial lending	FDIC
28	Banco Popular de Puerto Rico	San Juan, PR	$63.3 billion	+4.2%	$58.7 billion	1	All other	FDIC
29	SoFi Bank	Cottonwood Heigh, UT	$56.8 billion	+56.6%	$46.8 billion	4	Consumer lending	FDIC
30	Frost Bank	San Antonio, TX	$54.0 billion	+4.8%	$43.7 billion	222	Commercial lending	FDIC
31	BOKF	Tulsa, OK	$53.0 billion	+4.1%	$40.0 billion	115	Commercial lending	FDIC
32	Associated Bank ◊	Green Bay, WI	$51.8 billion	+17.8%	$40.1 billion	218	Commercial lending	FDIC
33	First National Bank of Pennsylvania	Greenville, PA	$50.8 billion	+2.6%	$39.1 billion	361	Commercial lending	FDIC
34	EverBank	Jacksonville, FL	$46.7 billion	+5.0%	$37.8 billion	43	All other	FDIC
35	Raymond James Bank	Saint Petersburg, FL	$45.6 billion	+7.8%	$41.4 billion	1	All other	FDIC
36	Prosperity Bank ◊	El Campo, TX	$43.9 billion	+14.2%	$32.9 billion	354	Commercial lending	FDIC
37	Barclays Bank Delaware	Wilmington, DE	$43.5 billion	−1.3%	$35.3 billion	1	Credit card	FDIC
38	MidFirst Bank	Oklahoma City, OK	$42.8 billion	+5.9%	$25.3 billion	93	Commercial lending	FDIC
39	Bank OZK	Little Rock, AR	$41.7 billion	+0.6%	$34.0 billion	272	Commercial lending	FDIC
40	Deutsche Bank Trust Company Americas	New York, NY	$40.5 billion	−5.5%	$28.1 billion	1	All other	FDIC
41	Atlantic Union Bank	Richmond City, VA	$38.0 billion	+2.2%	$30.6 billion	184	Commercial lending	FDIC
42	Hancock Whitney Bank	Gulfport, MS	$36.3 billion	+3.2%	$29.9 billion	186	Commercial lending	FDIC
43	Commerce Bank ◊	Kansas City, MO	$35.0 billion	+9.1%	$28.1 billion	154	Commercial lending	FDIC
44	Banc of California	Los Angeles, CA	$34.9 billion	+2.2%	$28.2 billion	87	Commercial lending	FDIC
45	BankUnited	Miami Lakes, FL	$34.9 billion	−1.6%	$29.1 billion	58	Commercial lending	FDIC
46	First National Bank of Omaha ◊	Omaha, NE	$34.2 billion	+8.4%	$27.8 billion	139	All other	FDIC
47	United Bank	Fairfax, VA	$33.6 billion	+2.9%	$27.3 billion	237	Commercial lending	FDIC
48	Texas Capital Bank	Dallas, TX	$33.6 billion	+6.3%	$29.4 billion	10	Commercial lending	FDIC
49	Fulton Bank	Lancaster, PA	$32.6 billion	+2.1%	$27.4 billion	208	Commercial lending	FDIC
50	TD Bank USA	Wilmington, DE	$32.1 billion	−6.9%	$27.2 billion	1	All other	FDIC
51	Glacier Bank ◊	Kalispell, MT	$31.6 billion	+8.9%	$24.9 billion	261	Commercial lending	FDIC
52	Eastern Bank ◊	Boston, MA	$31.1 billion	+22.3%	$26.1 billion	134	Commercial lending	FDIC
53	BNY Mellon	Pittsburgh, PA	$30.6 billion	+3.5%	$26.0 billion	29	All other	FDIC
54	City National Bank of Florida	Miami, FL	$29.1 billion	+7.6%	$22.1 billion	30	Commercial lending	FDIC
55	United Community Bank	Greenville, SC	$29.0 billion	+3.4%	$24.1 billion	190	Commercial lending	FDIC
56	Axos Bank	San Diego, CA	$28.9 billion	+20.8%	$24.8 billion	3	Commercial lending	FDIC
57	Sallie Mae Bank	Salt Lake City, UT	$28.5 billion	−3.4%	$20.3 billion	1	Consumer lending	FDIC
58	Ameris Bank	Atlanta, GA	$28.4 billion	+6.8%	$22.7 billion	177	Commercial lending	FDIC
59	Arvest Bank	Fayetteville, AR	$28.1 billion	+2.6%	$24.6 billion	228	Commercial lending	FDIC
60	WesBanco Bank, Inc.	Wheeling, WV	$27.7 billion	+1.0%	$21.8 billion	218	Commercial lending	FDIC
61	WaFd Bank	Seattle, WA	$27.6 billion	+3.2%	$21.1 billion	214	Commercial lending	FDIC
62	Renasant Bank	Tupelo, MS	$27.0 billion	+1.4%	$22.2 billion	266	Commercial lending	FDIC
63	Charles Schwab Premier Bank, SSB	Westlake, TX	$26.6 billion	+8.8%	$24.5 billion	1	All other	FDIC
64	Customers Bank	Malvern, PA	$26.5 billion	+17.6%	$21.9 billion	7	Commercial lending	FDIC
65	First Interstate Bank	Billings, MT	$25.8 billion	−6.2%	$21.7 billion	274	Commercial lending	FDIC
66	Provident Bank	Jersey City, NJ	$25.7 billion	+4.5%	$19.6 billion	139	Commercial lending	FDIC
67	Ameriprise Bank, FSB	Minneapolis, MN	$25.5 billion	+6.1%	$23.9 billion	2	Mortgage lending	FDIC
68	Rockland Trust Company ◊	Rockland, MA	$25.0 billion	+24.5%	$20.5 billion	151	Commercial lending	FDIC
69	Simmons Bank	Pine Bluff, AR	$24.7 billion	−7.1%	$19.9 billion	230	Commercial lending	FDIC
70	Cathay Bank	Los Angeles, CA	$24.6 billion	+3.9%	$21.1 billion	65	Commercial lending	FDIC
71	Centennial Bank ◊	Conway, AR	$24.6 billion	+8.0%	$19.6 billion	243	Commercial lending	FDIC
72	TriState Capital Bank	Pittsburgh, PA	$24.3 billion	+14.6%	$22.3 billion	2	All other	FDIC
73	Bank of Hawaii	Honolulu, HI	$23.8 billion	+0.6%	$21.0 billion	48	Mortgage lending	FDIC
74	First Hawaiian Bank	Honolulu, HI	$23.6 billion	−0.8%	$20.2 billion	45	Commercial lending	FDIC
75	OceanFirst Bank ◊	Toms River, NJ	$23.2 billion	+75.1%	$18.0 billion	72	Commercial lending	FDIC
76	TowneBank ◊	Portsmouth, VA	$22.6 billion	+23.8%	$18.8 billion	81	Commercial lending	FDIC
77	Wilmington Savings Fund Society, FSB	Wilmington, DE	$22.6 billion	+9.1%	$19.3 billion	95	Commercial lending	FDIC
78	First Financial Bank ◊	Cincinnati, OH	$22.4 billion	+20.6%	$17.8 billion	165	Commercial lending	FDIC
79	Beacon Bank and Trust ◊	Brookline, MA	$22.2 billion	+260.3%	$18.6 billion	151	Commercial lending	FDIC
80	Optum Bank, Inc.	Draper, UT	$21.4 billion	+9.5%	$16.5 billion	1	Commercial lending	FDIC
81	Seacoast National Bank ◊	Stuart, FL	$21.3 billion	+33.9%	$16.8 billion	118	Commercial lending	FDIC
82	First Merchants Bank ◊	Muncie, IN	$21.3 billion	+14.7%	$16.8 billion	135	Commercial lending	FDIC
83	Mechanics Bank ◊	Walnut Creek, CA	$21.2 billion	+28.2%	$18.1 billion	169	Commercial lending	FDIC
84	Citizens Business Bank ◊	Ontario, CA	$21.2 billion	+37.4%	$16.4 billion	87	Commercial lending	FDIC
85	Merchants Bank of Indiana	Carmel, IN	$21.2 billion	+10.9%	$14.3 billion	8	Commercial lending	FDIC
86	The Central Trust Bank	Jefferson City, MO	$20.3 billion	+6.5%	$16.4 billion	177	Commercial lending	FDIC
87	Apple Bank	New York, NY	$19.9 billion	+8.4%	$16.1 billion	79	Commercial lending	FDIC
88	Stifel Bank and Trust	Saint Louis, MO	$19.6 billion	+6.2%	$17.5 billion	2	All other	FDIC
89	FirstBank Puerto Rico	Santurce, PR	$19.2 billion	+1.7%	$16.9 billion	11	Commercial lending	FDIC
90	Trustmark Bank	Jackson, MS	$19.2 billion	+3.1%	$16.2 billion	181	Commercial lending	FDIC
91	Bank of Hope	Los Angeles, CA	$19.0 billion	+2.4%	$15.9 billion	78	Commercial lending	FDIC
92	ServisFirst Bank	Birmingham, AL	$18.3 billion	+5.6%	$14.6 billion	33	Commercial lending	FDIC
93	Busey Bank	Champaign, IL	$18.1 billion	−3.8%	$15.2 billion	81	Commercial lending	FDIC
94	Third Federal Savings and Loan Association of Cleveland	Cleveland, OH	$18.1 billion	+4.0%	$10.2 billion	35	Mortgage lending	FDIC
95	Community Bank ◊	Canton, NY	$17.4 billion	+6.4%	$14.9 billion	214	Commercial lending	FDIC
96	Enterprise Bank & Trust	Clayton, MO	$17.4 billion	+8.2%	$14.7 billion	57	Commercial lending	FDIC
97	Northwest Bank ◊	Warren, PA	$17.2 billion	+18.7%	$14.4 billion	163	Commercial lending	FDIC
98	Toyota Financial Savings Bank	Henderson, NV	$16.8 billion	+42.7%	$14.3 billion	1	All other	FDIC
99	FirstBank ◊	Nashville, TN	$16.8 billion	+25.8%	$14.4 billion	132	Commercial lending	FDIC
100	First United Bank and Trust Company	Durant, OK	$16.6 billion	+1.0%	$13.3 billion	85	Commercial lending	FDIC
101	Banner Bank	Walla Walla, WA	$16.6 billion	+0.9%	$13.9 billion	147	Commercial lending	FDIC
102	NBT Bank	Norwich, NY	$16.1 billion	+1.2%	$13.7 billion	175	Commercial lending	FDIC
103	Live Oak Banking Company	Wilmington, NC	$16.0 billion	+16.1%	$14.7 billion	1	Commercial lending	FDIC
104	Safra National Bank of New York	New York, NY	$15.7 billion	+45.3%	$13.9 billion	6	All other	FDIC
105	Sunflower Bank ◊	Dallas, TX	$15.7 billion	+85.8%	$13.5 billion	103	Commercial lending	FDIC
106	Nicolet National Bank ◊	Green Bay, WI	$15.4 billion	+72.6%	$13.0 billion	119	Commercial lending	FDIC
107	First Financial Bank	Abilene, TX	$15.2 billion	+6.4%	$13.3 billion	83	Commercial lending	FDIC
108	Bell Bank	Fargo, ND	$15.2 billion	+7.9%	$12.4 billion	33	Commercial lending	FDIC
109	Dime Commercial Bank	Hauppauge, NY	$15.0 billion	+5.9%	$12.7 billion	64	Commercial lending	FDIC
110	Popular Bank	New York, NY	$15.0 billion	+1.1%	$11.9 billion	36	Commercial lending	FDIC
111	Bank of America California	San Francisco, CA	$14.8 billion	−1.1%	$12.3 billion	1	Mortgage lending	FDIC
112	Stifel Bank	Saint Louis, MO	$14.6 billion	+26.8%	$13.7 billion	1	All other	FDIC
113	ConnectOne Bank	Englewood Cliffs, NJ	$14.4 billion	+3.6%	$11.8 billion	57	Commercial lending	FDIC
114	Israel Discount Bank of New York	New York, NY	$14.4 billion	+5.5%	$12.3 billion	7	Commercial lending	FDIC
115	NexBank	Dallas, TX	$14.2 billion	−0.2%	$11.0 billion	2	Mortgage lending	FDIC
116	Comenity Capital Bank	Draper, UT	$13.9 billion	+7.4%	$11.0 billion	1	Credit card	FDIC
117	BMW Bank of North America	Salt Lake City, UT	$13.8 billion	+12.3%	$9.5 billion	1	Consumer lending	FDIC
118	First Bank	Southern Pines, NC	$13.0 billion	+3.4%	$11.1 billion	116	Commercial lending	FDIC
119	BancFirst ◊	Oklahoma City, OK	$12.8 billion	+8.0%	$11.2 billion	123	Commercial lending	FDIC
120	Dollar Bank, Federal Savings Bank	Pittsburgh, PA	$12.7 billion	+6.3%	$10.0 billion	91	Commercial lending	FDIC
121	PlainsCapital Bank	University Park, TX	$12.7 billion	+2.2%	$10.7 billion	57	Commercial lending	FDIC
122	The Park National Bank ◊	Newark, OH	$12.6 billion	+27.5%	$10.8 billion	114	Commercial lending	FDIC
123	NBH Bank ◊	Greenwood Villag, CO	$12.5 billion	+25.9%	$10.6 billion	97	Commercial lending	FDIC
124	Happen Bank	Lehi, UT	$12.5 billion	+17.0%	$10.9 billion	3	Consumer lending	FDIC
125	First Commonwealth Bank	Indiana, PA	$12.2 billion	−0.2%	$10.3 billion	129	Commercial lending	FDIC
126	Columbia Bank	Fair Lawn, NJ	$12.2 billion	+13.3%	$9.6 billion	69	Commercial lending	FDIC
127	Oriental Bank	San Juan, PR	$12.0 billion	−0.5%	$10.0 billion	1	All other	FDIC
128	Farmers and Merchants Bank of Long Beach	Long Beach, CA	$11.8 billion	+3.3%	$8.8 billion	27	Commercial lending	FDIC
129	Beal Bank USA	Las Vegas, NV	$11.0 billion	−35.0%	$1.7 billion	10	Commercial lending	FDIC
130	Burke & Herbert Bank & Trust Company ◊	Alexandria, VA	$11.0 billion	+36.7%	$9.0 billion	106	Commercial lending	FDIC
131	WEX Bank	Sandy, UT	$10.7 billion	+20.7%	$7.9 billion	1	Commercial lending	FDIC
132	Washington Trust Bank	Spokane, WA	$10.5 billion	−1.3%	$8.8 billion	45	Commercial lending	FDIC
133	Charles Schwab Trust Bank	Westlake, TX	$10.5 billion	+8.7%	$9.7 billion	1	Mortgage lending	FDIC
134	Centier Bank	Whiting, IN	$10.4 billion	+5.9%	$8.8 billion	63	Commercial lending	FDIC
135	Stellar Bank ‡	Houston, TX	$10.4 billion	−0.8%	$8.7 billion	51	Commercial lending	FDIC
136	Amarillo National Bank	Amarillo, TX	$10.4 billion	+5.8%	$9.1 billion	35	Commercial lending	FDIC
137	Stock Yards Bank & Trust Company ◊	Louisville, KY	$10.4 billion	+12.6%	$8.5 billion	85	Commercial lending	FDIC
138	Amerant Bank	Coral Gables, FL	$10.3 billion	−0.4%	$8.4 billion	24	Commercial lending	FDIC
139	International Bank of Commerce	Laredo, TX	$10.2 billion	+4.8%	$6.6 billion	80	Commercial lending	FDIC
140	Origin Bank	Choudrant, LA	$10.2 billion	+6.2%	$8.7 billion	59	Commercial lending	FDIC

Download this table (CSV), free. The full dataset, every bank in the band with its assets a year earlier, specialization, holding company and identifiers, is one email away.

‡ Closed after June 30, 2026: Webster Bank on August 20, 2026; Stellar Bank on July 1, 2026. Each is ranked on the figures it filed for June 30, 2026.

◊ Absorbed another bank's charter in the year, according to the FDIC's structure-change history, so the one-year change includes the bank it took in: Pinnacle Bank (Synovus Bank); Columbia Bank (Pacific Premier Bank); Associated Bank (American National Bank); Prosperity Bank (American Bank, Texas Partners Bank); Commerce Bank (FineMark National Bank & Trust); First National Bank of Omaha (Country Club Bank); Glacier Bank (Guaranty Bank & Trust); Eastern Bank (HarborOne Bank); Rockland Trust Company (Enterprise Bank and Trust Company); Centennial Bank (Mountain Commerce Bank); OceanFirst Bank (Flushing Bank); TowneBank (The Old Point National Bank of Phoebus, Dogwood State Bank); First Financial Bank (Westfield Bank, FSB, BankFinancial); Beacon Bank and Trust (Bank Rhode Island, Berkshire Bank, PCSB Bank); Seacoast National Bank (Heartland National Bank, Citizens First Bank); First Merchants Bank (First Savings Bank); Mechanics Bank (HomeStreet Bank); Citizens Business Bank (Heritage Bank of Commerce); Community Bank (ClearPoint Federal Bank & Trust); Northwest Bank (Jersey Shore State Bank, The Luzerne Bank); FirstBank (Southern States Bank); Sunflower Bank (First Foundation Bank); Nicolet National Bank (MidWestOne Bank); BancFirst (American Bank of Oklahoma); The Park National Bank (First Citizens National Bank); NBH Bank (Vista Bank); Burke & Herbert Bank & Trust Company (LINKBANK); Stock Yards Bank & Trust Company (Field & Main Bank).

Which banks entered and left the band

According to FDIC data, 141 banks were in the band on June 30, 2025 and 140 are in it on June 30, 2026. In between, 14 left it and 13 entered it. The table accounts for every one of them, from each bank's Call Reports and the FDIC's structure-change history.

	Banks	Which	Source
In the band on June 30, 2025	141		FDIC QBP
Left: grew past $250 billion	5	The Huntington National Bank, Fifth Third Bank, Morgan Stanley Bank, Morgan Stanley Private Bank and Charles Schwab Bank, SSB	FDIC
Left: absorbed by another bank	8	Synovus Bank (into Pinnacle Bank), Comerica Bank (into Fifth Third Bank), Cadence Bank (into The Huntington National Bank), FirstBank (into PNC Bank), Berkshire Bank (into Beacon Bank and Trust), Pacific Premier Bank (into Columbia Bank), Veritex Community Bank (into The Huntington National Bank) and First Foundation Bank (into Sunflower Bank)	FDIC
Left: fell below $10 billion	1	EagleBank	FDIC
Entered: grew past $10 billion	13	Beacon Bank and Trust, Sunflower Bank, Nicolet National Bank, The Park National Bank, NBH Bank, Burke & Herbert Bank & Trust Company, WEX Bank, Charles Schwab Trust Bank, Centier Bank, Amarillo National Bank, Stock Yards Bank & Trust Company, International Bank of Commerce and Origin Bank	FDIC
In the band on June 30, 2026	140		FDIC QBP

Because the band's bounds are fixed amounts, its membership changes even in a year without a merger: a bank that grows moves up into it or out of it.

Where the band's banks are headquartered

Texas and Utah are headquarters to more of the band's banks than any other state, 12 each, according to FDIC data. The banks in the band are headquartered in 39 states and territories. Those headquartered in Utah hold the most assets, $888 billion across 12 banks, according to the FDIC; 9 of those are not commercial lending specialists in the FDIC's classification.

Headquarters state	Banks in the band	Share of the band's banks	Their total assets	Source
Texas	12	9%	$257 billion	FDIC
Utah	12	9%	$888 billion	FDIC
California	10	7%	$360 billion	FDIC
New York	10	7%	$461 billion	FDIC
Pennsylvania	8	6%	$207 billion	FDIC
Florida	7	5%	$257 billion	FDIC
Missouri	6	4%	$179 billion	FDIC
New Jersey	5	4%	$142 billion	FDIC
Virginia	5	4%	$278 billion	FDIC
Arkansas	4	3%	$119 billion	FDIC

A headquarters state is where a bank's main office is chartered, not where it lends or takes deposits.

A size band is not a business model

According to the FDIC's classification, 105 of the 140 banks in the band are commercial lending specialists. Ten are specialists the FDIC classes as credit card, consumer lending or international banks: American Express National Bank, Ally Bank, The Northern Trust Company, Synchrony Bank, SoFi Bank, Barclays Bank Delaware, Sallie Mae Bank, Comenity Capital Bank, BMW Bank of North America and Happen Bank. They are ranked here because they are this size; whether they count as regional banks depends on what the reader means by the word.

The band's bounds are the FDIC's. Other sources draw the lines elsewhere, and some apply them to holding companies rather than to bank charters, so a list of "regional banks" from another source can differ from this one.

What this means for technology buyers

Banks in this band often buy systems built for large banks while running smaller technology teams than the largest ones, and a bank that has just absorbed another, as 28 in the table did in the year according to the FDIC, is also running a conversion. These guides compare the options side by side:

• Mobile banking apps for regional banks: digital channel platforms for banks between community and money-center scale.
• CRM for commercial banking teams: relationship management for the commercial lending most banks in the band specialize in.
• Financial BI and dashboarding for bank executives: reporting on the balance sheet, by business line and against peers.
• Cloud-based core banking systems: what a move off a legacy core involves, and who can take it on.

Planning the change before choosing the vendor? The Retail Bank Business Capability Model maps what a bank does, from deposits and lending to the commercial relationships a regional bank is built on.

More from Finantrix Atlas

• Largest banks in the US, ranked by total assets
• Largest US bank holding companies
• US bank mergers of the past year
• Fastest-growing US banks
• Largest US commercial and industrial lenders

How this list was built

The universe is every FDIC-insured commercial bank and savings institution that filed a Call Report for June 30, 2026, read from the FDIC's BankFind Suite, including banks whose charter has ended since. A bank is in the band if its total assets on that date are at least $10 billion and less than $250 billion, and no bank's assets sit exactly on either bound. Uninsured filers and insured US branches of foreign banks are left out, as the FDIC's Quarterly Banking Profile leaves them out.

The FDIC's Quarterly Banking Profile prints, for every quarter, the number of institutions in its $10 billion to $250 billion group and their share of industry assets. On June 30, 2026 and on June 30, 2025, the band here has the same number of banks and the same share, to the two decimals the QBP prints, and the whole universe sums to the QBP's total assets and deposits.

The Federal Reserve Board publishes the same quarter's figures for insured commercial banks in its Large Commercial Banks release. Each of the 123 commercial banks in the band appears there with the same consolidated assets, to the million dollars it publishes, and in the same order. The other 17 are savings institutions or banks the FDIC does not insure as commercial banks, which the release does not cover.

Movement in and out of the band compares each bank's Call Report for June 30, 2025 with its report for June 30, 2026. A bank that stopped filing is matched to the FDIC's structure-change history, which name the bank that absorbed it.

Limits

• Banks, not holding companies. A holding company that owns a bank in the band and another above or below it appears once per charter, and its nonbank businesses are not counted.
• A size band, not a definition. The band includes card banks, consumer lenders and a trust bank, marked by their FDIC specialization, and excludes regional banks just under $10 billion.
• Total assets are one measure of size. Deposits and offices are shown beside them. A bank with a large securities or card book can rank above one with a wider branch network.
• A year's change includes mergers. Banks marked ◊ absorbed another charter during the year, so their change is not growth from their own business alone; the fastest-growing banks page separates the two.
• Two quarters. The dates of the data are June 30, 2025 and June 30, 2026. A merger or a quarter's growth can move a bank across a bound between filings.

Cite this

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

The 140 US banks with $10 billion to $250 billion in assets hold 22.9% of FDIC-insured bank assets, down from 27.8% a year earlier, according to a Finantrix Atlas analysis of June 30, 2026 FDIC data.

First-Citizens Bank & Trust Company is the largest US bank with $10 billion to $250 billion in assets, with $236 billion, according to Finantrix Atlas, from FDIC Call Reports.

Suggested citation: Finantrix Atlas, "Largest US Regional Banks," data as of June 30, 2026, from FDIC Call Reports and the FDIC Quarterly Banking Profile. https://www.finantrix.com/articles/largest-regional-banks

Embed the chart:

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

Frequently asked questions

Q: What is the largest regional bank in the US? A: Among FDIC-insured banks with $10 billion to $250 billion in assets, First-Citizens Bank & Trust Company is the largest, with $236 billion on June 30, 2026, according to its Call Report filed with the FDIC.

Q: How many regional banks are there in the US? A: 140 FDIC-insured banks had $10 billion to $250 billion in total assets on June 30, 2026, according to the FDIC, out of 4,238 insured banks.

Q: What counts as a regional bank? A: There is more than one usage. This page uses the band of the FDIC's $10 billion to $250 billion asset-size group, applied to bank charters. Other sources draw different lines or apply them to holding companies.

Q: How much of US banking do regional banks hold? A: Banks with $10 billion to $250 billion in assets hold 22.9% of FDIC-insured bank assets, or $6.07 trillion, according to FDIC data for June 30, 2026.

Q: Why did regional banks' share of bank assets fall? A: Mostly because banks left the band at the top. According to FDIC data, 5 banks grew past $250 billion in the year and 4 were absorbed into banks now above it; a year earlier they held 5.2% of insured bank assets.