Under regulatory guidelines, banks, thrifts, and trust banks are considered as “well-capitalized”, “adequately-capitalized”, or “under-capitalized”. And, what determines their status are their:
- Tier 1 leverage capital ratio
- Tier 1 risk-based capital ratio
- Total risk-based capital ratio
Is your bank considered “under-capitalized”? Per September 30, 2010, regulatory filings, the entire list of “under-capitalized” banks can be found here.