Several large and regional banks have disclosed in recent days what their capital ratios would look like if Basel III were in effect now and early results show that First Horizon National, Huntington Bancshares, SunTrust Banks and TCF Financial would take the biggest capital hits if they do not take steps to change their asset mix.

Among larger banks, the four carry the highest concentrations of home equity loans and risky residential mortgages, which means they would have to set aside more capital than competitors that are less exposed to home loans. Perhaps not surprisingly, the four banks' share prices all tumbled last week following earnings announcements in which they disclosed their estimated ratios.

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