Among the largest banks in the United States, Capital One filed the highest number of artificial intelligence (AI) patent applications between 2021 and early 2024. Capital One filed 967 AI patents. It was followed by Bank of America, with 640 applications, and JPMorgan Chase, with 274 applications.

As of March 2025, JPMorgan Chase Bank was the largest bank in the United States by the number of branches, with ***** branches nationwide. It was followed by Wells Fargo Bank, which operated ***** branches, and Bank of America, with ***** branches. For context, JPMorgan Chase had approximately **** times the number of branches as Lloyds Bank, the leading British bank by branch count. Is the U.S. banking sector stable? The stability of the U.S. banking sector has improved steadily since the aftermath of the 2008 financial crisis. The share of non-performing loans held by U.S. banks has consistently decreased over time. As of the first quarter of 2025, all four of the largest U.S. banks - Wells Fargo, JPMorgan Chase, Bank of America, and Citigroup - maintained a Common Equity Tier 1 (CET1) capital ratio well above the Basel-III minimum requirement of *** percent. The CET1 capital ratio, which measures a bank’s core capital against its risk-weighted assets, is a key indicator of a bank's financial strength and resilience. Digital banking in the U.S. With the rise of digital services, many traditional banking functions can now be performed online, reducing the need for a physical presence. Since 2009, the number of bank branches in the United States has steadily declined as consumers increasingly rely on digital banking solutions. This trend accelerated during the COVID-19 pandemic, with more Americans turning to online banking for convenience and cost-effectiveness.

The “big four banks” in the United States are JPMorgan Chase, Bank of America, Wells Fargo, and Citibank. These banks are not only the largest in the United States, but also rank among the top banks worldwide by market capitalization, with JPMorgan Chase being the most valuable bank in the world. Total assets of banks As the largest bank in the United States, JPMorgan Chase had total assets worth close to *** trillion U.S. dollars as of June 2025. Despite being the bank with the highest market capitalization in the world, the bank ranked only fifth in terms of total assets worldwide, while the top four positions were all held by Chinese banks. Stability in the banking sector in the United States In early 2025, all the "big four" banks in the United States maintained a common equity tier 1 (CET1) capital ratio significantly above the required minimum of *** percent. JPMorgan Chase reported a CET1 ratio of ***** percent. Meanwhile, the highest CET1 ratio among U.S. banks during this period was ***** percent, achieved by TD Bank, the 12th largest bank in the country in the first half of 2025.

As of June 2025, JPMorgan Chase Bank was the largest bank in the United States by the number of branches, with 5,249 branches nationwide. It was followed by Wells Fargo Bank, which operated 4,242 branches, and Bank of America, with 3,857 branches. For context, JPMorgan Chase had approximately five times the number of branches as Lloyds Bank, the leading British bank by branch count. Is the U.S. banking sector stable? The stability of the U.S. banking sector has improved steadily since the aftermath of the 2008 financial crisis. The share of non-performing loans held by U.S. banks has consistently decreased over time. As of the second quarter of 2025, all four of the largest U.S. banks - Wells Fargo, JPMorgan Chase, Bank of America, and Citigroup - maintained a Common Equity Tier 1 (CET1) capital ratio well above the Basel-III minimum requirement of 4.5 percent. The CET1 capital ratio, which measures a bank’s core capital against its risk-weighted assets, is a key indicator of a bank's financial strength and resilience. Digital banking in the U.S. With the rise of digital services, many traditional banking functions can now be performed online, reducing the need for a physical presence. Since 2009, the number of bank branches in the United States has steadily declined as consumers increasingly rely on digital banking solutions. This trend accelerated during the COVID-19 pandemic, with more Americans turning to online banking for convenience and cost-effectiveness.

As of January 14, 2025, the market capitalization of ************** amounted to ****** billion U.S. dollars, making it the largest bank in the United States. By this measure, the second-largest bank was ***************, followed by ***********. ************** and *************** are also the two largest banks in the world by market capitalization. What is market capitalization? Market capitalization, or stock market value, is the total value of shares issued by a publicly traded company. It reflects the equity value of a company. Market cap is calculated by multiplying the market price of one share by the number of shares outstanding. For example, the market cap of Bank of America can be calculated by multiplying its share price by the number of shares it has issued. Other measures of company size Total assets also allow to determine the size of a bank. Instead of focusing on the stock price, this metric measures the size of the bank’s operations by counting the size of its balance sheet. Bank revenue and income are also common indicators used to compare banks and their performance.

JPMorgan Chase Bank reported the highest value of equity in the United States as of March 31, 2024. The value of total equity of JPMorgan Chase exceeded 304 billion U.S. dollars. Bank of America reported the second-highest value of equity, with a value of around 237 billion U.S. dollars.

JPMorgan Chase dominated the U.S. banking landscape in early 2025, reporting a net income of 12.7 billion U.S. dollars, more than five billion more than Bank of America, which ranked second. Wells Fargo ranked third, with a net income of roughly 5.5 billion U.S. dollars. These three banks were also the largest banks based on total assets. Market capitalization and global standing JPMorgan Chase's financial prowess extends beyond net income. With a market capitalization of nearly 690 billion U.S. dollars as of January 2025, it stood as the most valuable bank in the United States. Its massive market capitalization also made it the largest bank globally, with Bank of America following from a distance. This impressive valuation, coupled with its substantial net income, cements JPMorgan Chase's status as a financial titan. Asset base of JPMorgan Chase JPMorgan Chase's leadership is also evident in its asset base. The bank held 14.31 percent of total banking assets in the United States as of December 2024, surpassing Bank of America and Wells Fargo. This substantial market share translated to over four trillion U.S. dollars in total assets.

The “big four banks” in the United States are JPMorgan Chase, Bank of America, Wells Fargo, and Citibank. These banks are not only the largest in the United States, but also rank among the top banks worldwide by market capitalization, with JPMorgan Chase being the most valuable bank in the world. Total assets of banks As the largest bank in the United States, JPMorgan Chase had total assets worth close to 3.8 trillion U.S. dollars as of June 2025. Despite being the bank with the highest market capitalization in the world, the bank ranked only fifth in terms of total assets worldwide, while the top four positions were all held by Chinese banks. Stability in the banking sector in the United States In early 2025, all the "big four" banks in the United States maintained a common equity tier 1 (CET1) capital ratio significantly above the required minimum of 4.5 percent. JPMorgan Chase reported a CET1 ratio of 15.42 percent. Meanwhile, the highest CET1 ratio among U.S. banks during this period was 17.56 percent, achieved by TD Bank, the 12th largest bank in the country in the first half of 2025.

Among the four largest banks headquartered in the United States, JPMorgan Chase had the highest number of active mobile customers in 2024. Over 57 million JPMorgan Chase customers were active mobile banking users. Bank of America had the second-highest number of active mobile customers, which was roughly 40 million.

As of the first quarter of 2025, Morgan Stanley had the highest total capital ratio among the 15 largest banks in the United States, with a ratio of 19.45 percent. Goldman Sachs followed closely, with a capital ratio of 19 percent. JPMorgan Chase, the largest U.S. bank, ranked fourth, with a ratio of 18.21 percent.

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In 2024, JPMorgan Chase was the largest U.S. employer in the banking sector, with a workforce exceeding 228,000 by year-end. Wells Fargo followed, employing over 192,000 people. JPMorgan Chase also held the top spot for the most bank branches in the country, a factor that likely contributed to its substantial headcount. Employment in the U.S. banking sector The number of employees of FDIC-insured banks in the United States fluctuated during the last decade, from around 1.96 million in 2012, down to 1.91 million in 2014, and up to around 1.95 million in 2024. There is no clear downward trend in bank employment in the United States, despite the decreasing number of bank branches in the last several years. The largest banks The big four in the U.S. banking industry are JPMorgan Chase, Bank of America, Wells Fargo, and Citigroup. The largest, JPMorgan Chase, is not only the leading bank in the United States in terms of market capitalization, but also the leading bank in the world. The bank had a market capitalization of around 679 billion U.S. dollars in 2024.

In 2024, JPMorgan Chase was the largest U.S. employer in the banking sector, with a workforce exceeding ******* by year-end. Wells Fargo followed, employing over ******* people. JPMorgan Chase also held the top spot for the most bank branches in the country, a factor that likely contributed to its substantial headcount. Employment in the U.S. banking sector The number of employees of FDIC-insured banks in the United States fluctuated during the last decade, from around **** million in 2012, down to **** million in 2014, and up to around **** million in 2024. There is no clear downward trend in bank employment in the United States, despite the decreasing number of bank branches in the last several years. The largest banks The big four in the U.S. banking industry are JPMorgan Chase, Bank of America, Wells Fargo, and Citigroup. The largest, JPMorgan Chase, is not only the leading bank in the United States in terms of market capitalization, but also the leading bank in the world. The bank had a market capitalization of around *** billion U.S. dollars in 2024.

Graph and download economic data for Consumer Loans, Banks Ranked 1st to 100th Largest in Size by Assets (ACLT100) from Q1 1985 to Q2 2025 about loans, assets, consumer, banks, depository institutions, and USA.

Graph and download economic data for Total Assets, Large Domestically Chartered Commercial Banks (TLALCBM027SBOG) from Apr 1985 to Aug 2025 about large, domestic, assets, banks, depository institutions, and USA.

As of June 2024, JPMorgan Chase led the U.S. banking sector with approximately 11.5 percent of total domestic deposits, closely followed by Bank of America at nearly 11 percent. This distribution reflects the concentrated nature of the U.S. banking industry, where, despite thousands of commercial banks operating nationwide, the market is dominated by the top four institutions. The total value of deposits held at FDIC-insured commercial banks has decreased in recent years, amounting to 17.83 trillion U.S. dollars in 2023. The U.S. banking industry The banking industry in the United States accounts for tens of trillions of U.S. dollars in assets under management. While there are thousands of commercial banks in the country, the market is dominated by the largest four of these. This is particularly true when considering functions such as private and investment banking. Other measures This ranking presents the market share of domestic assets, but other measures give a slightly different picture. For example, looking at the value of total assets shows a higher market share in the hands of the top four firms. Apart from that, the revenue of leading commercial banks can also give a better idea of banks’ financial standing.

As of March 2025, JPMorgan Chase Bank led U.S. financial institutions with the highest Tier 1 capital, a key measure of a bank's financial strength. Tier 1 capital, comprising core capital including equity and disclosed reserves, is a crucial indicator of a bank's ability to absorb potential losses. JPMorgan Chase's Tier 1 capital surpassed 277 billion U.S. dollars in the first quarter of 2025, cementing its position as the most well-capitalized bank in the United States. Additionally, the banking giant boasted the highest Tier 1 capital ratio among its American peers, further underscoring its robust financial health. What is the Tier 1 capital ratio? The Tier 1 capital ratio is a critical metric for assessing a bank's resilience to financial stress. It's calculated by dividing a bank's core capital by its total risk-weighted assets, with regulatory requirements mandating a minimum ratio of six percent. As of 2024, the largest U.S. banks significantly exceeded this threshold. JPMorgan Chase led with a ratio of 16.8 percent, closely followed by Citibank at 15.31 percent, while Bank of America maintained a strong position at 13.2 percent. These ratios demonstrate the robust capital positions of major American financial institutions, indicating their strong capacity to withstand potential economic downturns or financial shocks. The leading banks in the U.S. The U.S. banking sector is dominated by four major institutions, commonly known as "the big four": JPMorgan Chase, Bank of America, Wells Fargo, and Citigroup. JPMorgan Chase stands out as the leader among these financial giants. It holds the top position across several key metrics, including market capitalization, total assets, investment banking revenue, and net income. This comprehensive leadership underscores JPMorgan Chase's dominant role in the American financial landscape and its significant influence on the global banking industry.

The H.8 release provides an estimated weekly aggregate balance sheet for all commercial banks in the United States. The release also includes separate balance sheet aggregations for several bank groups: domestically chartered commercial banks; large domestically chartered commercial banks; small domestically chartered commercial banks; and foreign-related institutions in the United States. Foreign-related institutions include U.S. branches and agencies of foreign banks as well as Edge Act and agreement corporations. Published weekly, the release is typically available to the public by 4:15 p.m. each Friday. If Friday is a federal holiday, then the data are released on Thursday.The H.8 release is primarily based on data that are reported weekly by a sample of approximately 875 domestically chartered banks and foreign-related institutions. As of December 2009, U.S. branches and agencies of foreign banks accounted for about 60 of the weekly reporters and domestically chartered banks made up the rest of the sample. Data for domestically chartered commercial banks and foreign-related institutions that do not report weekly are estimated at a weekly frequency based on quarterly Call Report data.

As of the first quarter of 2025, JPMorgan Chase had the highest risk-weighted assets (RWA) among the 15 largest banks in the United States, totaling approximately 1.7 trillion U.S. dollars. Risk-weighted assets are used to calculate important capital ratios, such as the common equity tier 1 (CET1) capital ratio, which is determined by dividing a bank's tier 1 capital by its total risk-weighted assets. TD Bank, which had the highest CET1 capital ratio in the U.S. during the same period, reported risk-weighted assets of 215.36 billion U.S. dollars.

Graph and download economic data for Large Bank Definition by Total Assets (SUBLPDMCONQ) from Q1 1989 to Q3 2025 about large, assets, banks, depository institutions, and USA.