Shareholders of the 31 banks stress tested by the Federal Reserve this year are relieved to hear the news that all 31 banks have “passed” the test.

Zions Bancorporation ZION 0.68%, the only bank last year to fail the test, can attest to the importance of obtaining a passing score.

This year’s stress test included hypothetical economic conditions involving a 60 percent drop in the stock market and a 25 percent drop in housing prices. All banks were required to maintain at least a 5 percent tier-one capital ratio under stressful conditions.

Below are the 10 worst-performers, based on the minimum tier-one capital ratios of the banks.

1. Zions Bancorporation: 5.1
2. Morgan Stanley MS 1.23%: 6.2
3. The Goldman Sachs Group GS 0.22%: 6.3
4. BBVA Compass Bancshares Inc BBVA 0.3%: 6.3
5. JPMorgan Chase & Co JPM 0.21%: 6.5
6. Bank of America Corp BAC 1.01%: 7.1
7. M&T Bank Corp MTB 0.63%: 7.3
8. Wells Fargo & Co WFC 0.04%: 7.5
9. Ally Financial Inc ALLY 0.05%: 7.9
10. Fifth Third Bancorp FITB 0.16%: 7.9

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