Amalgamated Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Retained earnings rose 6.4% in Q2 2026 to $588.1M, the biggest move on this page. Amalgamated Bank ranks 45th of 82 New York banks on CET1 ratio, in the lower half at 14.78% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Amalgamated Bank sits 1.28 points higher, at 14.78% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.78% |
| Tier 1 risk-based capital ratio | 14.78% |
| Total risk-based capital ratio | 15.96% |
| Tier 1 leverage ratio | 9.60% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $896.4M |
| Tier 1 capital | $896.4M |
| Total risk-based capital | $968.3M |
| Total equity capital | $869.6M |
| Risk-weighted assets | $6.07B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.24% |
| Tangible equity to tangible assets | 9.11% |
| Equity capital to average assets | 9.30% |
| Internal capital growth rate | 16.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $310K |
| Common stock surplus | $322.0M |
| Retained earnings | $588.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$40.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.73% | 13.73% | 14.98% | 8.58% | $5.01B |
| Q4 2023 | 13.69% | 13.69% | 14.94% | 8.50% | $5.04B |
| Q1 2024 | 14.48% | 14.48% | 15.73% | 8.77% | $4.97B |
| Q2 2024 | 14.34% | 14.34% | 15.59% | 8.95% | $5.22B |
| Q3 2024 | 14.75% | 14.75% | 15.98% | 9.21% | $5.28B |
| Q4 2024 | 14.16% | 14.16% | 15.35% | 9.17% | $5.41B |
| Q1 2025 | 14.73% | 14.73% | 15.88% | 9.56% | $5.38B |
| Q2 2025 | 14.84% | 14.84% | 15.99% | 9.72% | $5.54B |
| Q3 2025 | 14.30% | 14.30% | 15.36% | 9.26% | $5.60B |
| Q4 2025 | 14.58% | 14.58% | 15.64% | 9.63% | $5.70B |
| Q1 2026 | 14.70% | 14.70% | 15.90% | 9.69% | $5.84B |
| Q2 2026 | 14.78% | 14.78% | 15.96% | 9.60% | $6.07B |
Amalgamated Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Amalgamated Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Amalgamated Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 622) · FFIEC NIC profile (RSSD 661308)