diff --git a/fs/xfs/libxfs/xfs_rtrefcount_btree.c b/fs/xfs/libxfs/xfs_rtrefcount_btree.c
index f27b80a199ba..22acc1411aac 100644
--- a/fs/xfs/libxfs/xfs_rtrefcount_btree.c
+++ b/fs/xfs/libxfs/xfs_rtrefcount_btree.c
@@ -201,7 +201,7 @@ xfs_rtrefcountbt_verify(
 	if (fa)
 		return fa;
 	level = be16_to_cpu(block->bb_level);
-	if (level > mp->m_rtrefc_maxlevels)
+	if (level >= mp->m_rtrefc_maxlevels)
 		return __this_address;
 
 	return xfs_btree_fsblock_verify(bp, mp->m_rtrefc_mxr[level != 0]);
@@ -651,7 +651,7 @@ xfs_iformat_rtrefcount(
 	numrecs = be16_to_cpu(dfp->bb_numrecs);
 	level = be16_to_cpu(dfp->bb_level);
 
-	if (level > mp->m_rtrefc_maxlevels ||
+	if (level >= mp->m_rtrefc_maxlevels ||
 	    xfs_rtrefcount_droot_space_calc(level, numrecs) > dsize) {
 		xfs_inode_mark_sick(ip, XFS_SICK_INO_CORE);
 		return -EFSCORRUPTED;