Following the observation of damages in experimental tests of fourteen full-scale beam-to-column sub-assemblies, this numerical investigation was conducted to understand the effect of joint panel strength ratio on crack initiation at hot spots. In order to study the stress and strain condition at hot spots, finite element analysis was performed using sub-modeling method. By comparison of crack indexes, it was evident that weak panel specimens are less critical for cracking compared to balanced and strong panel specimens. In balanced and strong panel specimens, the highest crack index was obtained for root of the weld access hole compared to other hot spots. In weak panel specimens, near same crack index was shown for all hot spots, however, experimental test observations revealed that root of the weld access hole is the most critical hot spot for cracking.