1. Indiana Hoosiers (16-0)

 2. Ohio State (12-2)

 3. Oregon Ducks (13-2)

 4. Texas Tech Red Raiders (12-2)

 5. Ole Miss. Rebels (13-2)

 6. Texas Longhorns (10-3)

 7. Miami Hurricanes (13-3)

 8. Georgia Bulldogs (12-2)

 9. Texas A&M Aggies (11-2)

10. BYU Cougars (12-2)

11. Vanderbilt Commodores (10-3)

12. Notre Dame Fighting Irish (10-2)

13. LSU Tigers (7-6)

14. Oklahoma Sooners (10-3)

15. Missouri Tigers (8-5)

16. Michigan Wolverines (9-4)

17. Penn State Nittany Lions (7-6)

18. Washington Huskies (9-4)

19. Utah Utes (11-2)

20. Alabama Crimson Tide (11-4)

21. SMU Mustangs (9-4)

22. Virginia Cavaliers (11-3)

23. Tennessee Volunteers (8-5)

24. USC Trojans (9-4)

25. Arizona Wildcats (9-4)

Conference breakdown:

SEC- 10 teams with 4 in the top 10.

Big 10- 7 teams with 3 in the top 3.

Big 12- 4 teams with 2 in the top 10.

ACC- 3 teams with 1 in the top 10.

Ind.- 1

Yes, it's way too early.  This will cause Bama fans far too much time stressing over the #20 ranking.

I watched Joe Klatt present this list, I really like listening to him.  The info is from Google:

In his January 2026 "Way-Too-Early" top 10 for the 2026 college football season, Joel Klatt projects a highly competitive landscape featuring Oregon, Georgia, and Indiana as top contenders. Klatt’s rankings highlight a three-way race for the top spot,, with Oregon taking the top position. 

Joel Klatt's 2026 Top 10
1. Oregon
2. Georgia
3. Indiana
4. Ohio State
5. Notre Dame
6. Texas
7. Miami
8. LSU
9. Michigan
10. Texas Tech 

Klatt emphasized the importance of a strong, dominant defensive line, citing the success of 2025 champion Indiana as a blueprint. The top teams listed, including Oregon and Georgia, are noted for having high-caliber rosters poised for a strong 2026 campaign. 

Key Takeaways: Oregon, Georgia, and Indiana are considered the frontrunners.

Just Missed the Cut: USC, Texas A&M, Oklahoma, Ole Miss, and BYU.

Context: These rankings, released in late January 2026, follow the conclusion of the 2025 season.