Best U.S. Banks – Credit Ratings
Here is a list of the best banks in the United States based on the long-term credit ratings from three major international agencies: Moody's, Standard & Poor's (S&P) and Fitch. Currently, there are no AAA rated banks in North America; there are only European banks with triple-A rating. Credit ratings may be revised or withdrawn at any time by the respective rating agency. Ratings are as of March 2023.
Long-term Issuer/senior debt
| Rank | Bank | Moody's | Standard & Poor's | Fitch Ratings |
| 1 | BNY Mellon, N.A. | Aa2 | AA- | AA |
| 2 | The Northern Trust Company | Aa2 | AA- | AA- |
| 3 | Bank of America, N.A. | Aa2 | A+ | AA |
| 4 | JPMorgan Chase Bank, N.A. | Aa2 | A+ | AA |
| 5 | Wells Fargo Bank, N.A. | Aa2 | A+ | AA- |
| 6 | State Street Bank & Trust Co | Aa3 | AA- | AA |
| 7 | J.P. Morgan Securities LLC | Aa3 | A+ | AA |
| 8 | Morgan Stanley Bank, N.A. | Aa3 | A+ | AA- |
| 9 | HSBC Bank USA, N.A. | Aa3 | A+ | AA- |
| 10 | Citibank, N.A. | Aa3 | A+ | A+ |
| 11 | Morgan Stanley Private Bank, N.A. | Aa3 | A+ | NR |
| 12 | U.S. Bank, N.A. | A1 | AA- | AA- |
| 13 | MUFG Union Bank, N.A. | A1 | AA- | AA- |
| 14 | TD Bank, N.A. | A1 | AA- | AA- |
| 15 | Goldman Sachs Bank USA | A1 | A+ | A+ |
| 16 | Bank of New York Mellon Corp | A1 | A | AA- |
| 17 | State Street Corporation | A1 | A | AA- |
| 18 | JPMorgan Chase & Co | A1 | A- | AA- |
| 19 | HSBC USA Inc | A1 | A- | A+ |
| 20 | Morgan Stanley | A1 | A- | A+ |
| 21 | Wells Fargo & Co * | A1 | BBB+ | A+ |
| 22 | Bank of America California, N.A. | NA | A+ | AA |
| 23 | City National Bank | A2 | AA- | A+ |
| 24 | U.S. Bancorp | A2 | A+ | AA- |
| 25 | Northern Trust Corporation | A2 | A+ | A+ |
| 26 | Bank of America Corp | A2 | A- | AA- |
| 27 | Truist Bank | A2 | A | A+ |
| 28 | PNC Bank, N.A. | A2 | A | A+ |
| 29 | Goldman Sachs Group Inc | A2 | BBB+ | A |
| 30 | Truist Financial Corporation | A3 | A- | A+ |
| 31 | Manufacturers & Traders Trust Company | A3 | A- | A |
| 32 | PNC Financial Services Group | A3 | A- | A |
| 33 | Comerica Bank | A3 | A- | A- |
| 34 | Fifth Third Bank, N.A. | A3 | A- | A- |
| 35 | KeyBank, N.A. | A3 | A- | A- |
| 36 | The Huntington National Bank (HNB) | A3 | A- | A- |
| 37 | Ameriprise Financial, Inc | A3 | A- | A- |
| 38 | Capital One, National Association | A3 | BBB+ | A |
| 39 | M&T Bank Corporation | A3 | BBB+ | A |
| 40 | Citigroup Inc | A3 | BBB+ | A |
| 41 | Comerica Incorporated | A3 | BBB+ | A- |
| 42 | BMO Harris Bank, N.A. | Baa1 | A+ | AA- |
| 43 | Regions Bank | Baa1 | A- | A- |
| 44 | Citizens Bank, N.A. | Baa1 | A- | BBB+ |
| 45 | Fifth Third Bancorp | Baa1 | BBB+ | A- |
| 46 | KeyCorp | Baa1 | BBB+ | A- |
| 47 | Huntington Bancshares Inc | Baa1 | BBB+ | A- |
| 48 | Regions Financial Corp | Baa1 | BBB+ | A- |
| 49 | Capital One Financial Corp | Baa1 | BBB | A- |
| 50 | Citizens Financial Group, Inc | Baa1 | BBB+ | BBB+ |
| 51 | Discover Bank | Baa2 | BBB | BBB+ |
| 52 | First Republic Bank | B2 | B+ | B |
* In July 2020, S&P downgraded Wells Fargo's long-term issuer credit rating to BBB+ from A-, with a stable outlook.