BDI

concentration

C&I Loans to Capital

Commercial and industrial loans as a percentage of total risk-based capital.

As of Q1 2026FDICLNCIFDICRBCSource retrieved 2026-08-01

National median

57.6%

Middle half

30.5%96.1%

Direction

Context dependent

What it means

Why this metric matters

This ratio places business-credit exposure against loss-absorbing capacity. Borrower and industry concentration can matter as much as the total.

How it is calculated

Formula and source fields

commercial_industrial / NULLIF(total_risk_based_capital, 0) * 100

Source fields: LNCI + RBC. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

2,524 observations · Q1 2026

10th percentile

10.3%

25th percentile

30.5%

Median

57.6%

75th percentile

96.1%

90th percentile

149.4%
Quartile markers use every reported value. For readability, values outside the first and ninety-ninth percentiles are collected into the two end bars; rankings retain the exact reported values.

Reported extremes

Highest and lowest banks

These lists describe reported values, not quality rankings. Compare business models and peer groups before drawing conclusions.

Lowest reported values

  1. 1
    Talbot State BankGA
    0.0%
  2. 2
    Wells Fargo Bank South Central, National AssociationTX
    0.0%
  3. 3
    Transact Bank, National AssociationCO
    0.0%
  4. 4
    Stafford Savings BankCT
    0.0%
  5. 5
    JPMorgan Chase Bank, DearbornMI
    0.0%
  6. 6
    The Bank of New York Mellon Trust Company, National AssociationCA
    0.0%
  7. 7
    BNY Mellon Trust of DelawareDE
    0.0%
  8. 8
    Finance Factors, Ltd.HI
    0.0%
  9. 9
    Bank of America California, National AssociationCA
    0.0%
  10. 10
    First American Trust, FSBCA
    0.0%

Highest reported values

  1. 1
    First Bank of the LakeMO
    572.3%
  2. 2
    Pathward, National AssociationSD
    566.8%
  3. 3
    Gainey Business BankAZ
    540.2%
  4. 4
    Tioga-Franklin Savings BankPA
    470.8%
  5. 5
    Security Bank MinnesotaMN
    459.3%
  6. 6
    WEX BankUT
    457.4%
  7. 7
    Lake Forest Bank & Trust Company, National AssociationIL
    437.2%
  8. 8
    Transpecos Banks, SSBTX
    432.3%
  9. 9
    Prime Alliance BankUT
    424.5%
  10. 10
    Esquire Bank, National AssociationNY
    421.0%

Continue exploring

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