After years of building capital, could it be that the banking industry has gone too far? Some experts are starting to think so.

The industry's equity-to-asset ratio has soared from 5.8% in 1980 to 8.14% as of Sept. 30 - a level that has not been seen in banking since the mid-1950s. Bank regulations require a leverage ratio of only 5%.

Limited Time Offer

Save $400 off your subscription. Special offer ends April 30, 2017.

14-Day Free Trial

No credit card required. Complete access to articles, breaking news and industry data.