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1. Banks -Federal, National Banks in USA

We also custom search banks based on your requirements. We are bank finders and work on the basis of finders fee.

Effective January 1, 2015:

1. An institution is well capitalized if it satisfies each of the following capital ratio standards: Total risk-based capital ratio (previously “total risk-based ratio”), 10.0% or greater; tier 1 risk-based capital ratio (previously “tier 1 risk-based ratio”), 8.0% or greater (as opposed to 6.0% or greater); leverage ratio (previously “tier 1 leverage ratio”), 5.0% or greater; and common equity tier 1 capital ratio, 6.5% or greater.

2. An institution is adequately capitalized if it is not well capitalized but satisfies each of the following capital ratio standards: Total risk-based capital ratio, 8.0% or greater; tier 1 risk-based capital ratio, 6.0% or greater (as opposed to 4.0% or greater); leverage ratio, 4.0% or greater; and common equity tier 1 capital ratio, 4.5% or greater.

3. The definition of an undercapitalized institution remains unchanged: An institution that does not qualify as either well capitalized or adequately capitalized.

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