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OCR: TEN BIG BANKS THAT FAIL THE SAFETY TEST Federal regulators refuse to disclose the names of the banks that they consider undercapitalized according to the government's new bank -safety guidelines. So we onr own private evaluation based UO the government standards: An institution classified as undercapital- ized when its risk- -adjusted capital Tratiois less than 8% or its leverage ratio T below 4%. The 10 banks listed here are the largest institutions that failed to meet the test, according tc data they filed with regulators on Dec. 31 and updated for us as of March 31. Note that seven, led by giant First National Bank t} Boston. arc lOCa ted in the Northeast. where the por real estate market has saddled many banks with had loans Risk A55C capita adjusted Iratio Leverage ratio Banb lbillion ...