BDI

capital

Risk Density

Risk-weighted assets as a percentage of total assets.

As of Q1 2026FDICRWAJFDICASSETSource retrieved 2026-08-01

National median

54.9%

Middle half

0.0%73.2%

Direction

Context dependent

What it means

Why this metric matters

Risk density shows how heavily regulation weights the balance sheet. A higher value often reflects more credit exposure and fewer low-risk or zero-weight assets.

How it is calculated

Formula and source fields

risk_weighted_assets / NULLIF(total_assets, 0) * 100

Source fields: RWAJ + ASSET. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

4,235 observations · Q1 2026

10th percentile

0.0%

25th percentile

0.0%

Median

54.9%

75th percentile

73.2%

90th percentile

81.8%
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
    Phenix-Girard BankAL
    0.0%
  2. 2
    Bank of EvergreenAL
    0.0%
  3. 3
    Community Spirit BankAL
    0.0%
  4. 4
    The Bank of VernonAL
    0.0%
  5. 5
    The Citizens Bank of WinfieldAL
    0.0%
  6. 6
    The Exchange Bank of AlabamaAL
    0.0%
  7. 7
    Peoples Exchange BankAL
    0.0%
  8. 8
    Central State BankAL
    0.0%
  9. 9
    BankSouthAL
    0.0%
  10. 10
    Warren Bank and Trust CompanyAR
    0.0%

Highest reported values

  1. 1
    Stafford Savings BankCT
    139.8%
  2. 2
    Cedar Rapids Bank and Trust CompanyIA
    119.3%
  3. 3
    Emigrant BankFL
    108.5%
  4. 4
    NorthEast Community BankNY
    107.9%
  5. 5
    Bank OZKAR
    107.6%
  6. 6
    Bankers' Bank of the WestCO
    102.4%
  7. 7
    Bank of StocktonCA
    101.5%
  8. 8
    First BankTX
    100.6%
  9. 9
    Industrial and Commercial Bank of China USA, National AssociationNY
    99.8%
  10. 10
    Community State BankIA
    98.8%

Continue exploring

Related metrics

Total Risk-Based Capital RatioTier 1 Risk-Based Capital RatioCommon Equity Tier 1 RatioTier 1 Leverage RatioEquity to Assets