One statistic used to measure a bank’s strength is its risk-based capital ratio. Simply put, the percentage of a bank’s capital in relation to their total assets. A bank with a capital ratio of 8 percent is considered adequately capitalized, and ratios of more than 10 percent are considered well-capitalized. So, the higher the ratio - the stronger the institution. Stillman’s ratio is an exceptionally well-capitalized 19.55%. (As of March 31, 2009)