Amerant Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.15% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 6.15% (RCFAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 12.91% +6.41 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $995.9M | 995,909 | RCFAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.71B | 7,711,977 | RCFAA223 |
| Recomputed ratio | 12.91% | numerator / denominator | |
| Filed ratio | 12.91% | RCFAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.41 pp | $494.6M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.91% +4.91 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $995.9M | 995,909 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.71B | 7,711,977 | RCFAA223 |
| Recomputed ratio | 12.91% | numerator / denominator | |
| Filed ratio | 12.91% | RCFA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.91 pp | $379.0M | capital that could be lost first |
Total risk-based capital ratio 14.15% +4.15 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $1.09B | 1,091,152 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $7.71B | 7,711,977 | RCFAA223 |
| Recomputed ratio | 14.15% | numerator / denominator | |
| Filed ratio | 14.15% | RCFA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.15 pp | $320.0M | capital that could be lost first |
Tier 1 leverage ratio 9.88% +4.88 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $995.9M | 995,909 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $10.08B | 10,078,644 | RCFAA224 |
| Recomputed ratio | 9.88% | numerator / denominator | |
| Filed ratio | 9.88% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.88 pp | $492.0M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 540,485 | 538,764 | 538,843 | 537,193 | 536,208 | 534,388 | RCFAP742 |
| Retained earnings | 470,410 | 462,035 | 440,560 | 453,285 | 476,225 | 451,205 | RCFAKW00 |
| Accumulated other comprehensive income | (24,606) | (21,709) | (1,036) | (7,061) | (25,495) | (27,333) | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 986,289 | 979,090 | 978,367 | 983,417 | 986,938 | 958,260 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | 9,620 | 6,477 | (14,444) | (5,684) | 12,503 | 14,093 | P859 - P840 |
| Common equity Tier 1 capital | 995,909 | 985,567 | 963,923 | 977,733 | 999,441 | 972,353 | RCFAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP865 |
| Tier 1 capital | 995,909 | 985,567 | 963,923 | 977,733 | 999,441 | 972,353 | RCFA8274 |
| Tier 2 capital | 95,243 | 89,979 | 88,970 | 101,509 | 96,162 | 103,282 | RCFA5311 |
| Allowance includable in Tier 2 capital | 95,243 | 89,979 | 88,970 | 101,509 | 96,162 | 103,282 | RCFA5310 |
| Total capital | 1,091,152 | 1,075,546 | 1,052,893 | 1,079,242 | 1,095,603 | 1,075,635 | RCFA3792 |
| Total risk-weighted assets | 7,711,977 | 7,748,507 | 7,806,192 | 8,118,229 | 8,305,843 | 8,260,422 | RCFAA223 |
| Average total assets for the leverage ratio | 10,078,644 | 9,840,549 | 10,178,978 | 10,214,344 | 10,240,668 | 10,032,287 | RCFAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $298.3M | $2.9M | 0.98% | 0.04% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $2.58B | $419.3M | 16.23% | 5.44% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $2.13B | $1.26B | 58.92% | 16.31% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $139.9M | $207.4M | 148.26% | 2.69% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $4.59B | $4.54B | 98.79% | 58.81% | RC-R Part II, item 4.d, 5.d |
| All other assets | $604.7M | $547.2M | 90.49% | 7.10% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $745.7M | $692.7M | 92.90% | 8.98% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $56.8M | $49.0M | 86.26% | 0.64% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $900 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $7.71B | ties to item 31 ($7.71B) |
|---|---|---|
| Risk-weighted assets before deductions | $7.71B | RCFDB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $49K | 3128 |
| Total risk-weighted assets | $7.71B | RCFDG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 12.91% | 12.91% | 14.15% | 9.88% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 12.72% | 12.72% | 13.88% | 10.02% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 12.35% | 12.35% | 13.49% | 9.47% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 12.04% | 12.04% | 13.29% | 9.57% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 12.03% | 12.03% | 13.19% | 9.76% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 11.77% | 11.77% | 13.02% | 9.69% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 11.73% | 11.73% | 12.84% | 9.50% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 11.07% | 11.07% | 12.08% | 9.34% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 10.72% | 10.72% | 11.91% | 9.09% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 11.14% | 11.14% | 12.39% | 8.97% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 10.73% | 10.73% | 11.95% | 9.03% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 11.46% | 11.46% | 12.71% | 9.37% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Amerant Bank, N.A. (this bank) | Risk-based | 12.91% | 12.91% | 14.15% | 9.88% | |
| International Bank of Commerce | $10.19B | Risk-based | 21.11% | 21.11% | 22.36% | 19.02% |
| Stock Yards Bank & Trust Company | $10.36B | Risk-based | 12.02% | 12.02% | 13.28% | 10.74% |
| Origin Bank | $10.18B | Risk-based | 12.80% | 12.80% | 13.97% | 11.37% |
| Amarillo National Bank | $10.38B | Risk-based | 13.03% | 13.03% | 14.18% | 10.75% |
| Stellar Bank | $10.40B | Risk-based | 12.79% | 12.79% | 13.99% | 10.48% |
| Centier Bank | $10.41B | Risk-based | 12.85% | 12.85% | 14.04% | 10.74% |
| Charles Schwab Trust Bank | $10.51B | Risk-based | 79.60% | 79.60% | 79.60% | 10.93% |
| Washington Trust Bank | $10.54B | Risk-based | 11.91% | 11.91% | 13.17% | 9.73% |
| WEX Bank | $10.71B | Risk-based | 12.70% | 12.70% | 13.48% | 8.93% |
| Burke and Herbert Bank and Trust Company | $10.98B | Risk-based | 13.32% | 13.32% | 14.31% | 12.26% |
| Peer 25th percentile | 12.72% | 12.72% | 13.60% | 10.54% | ||
| Peer median | 12.82% | 12.82% | 14.02% | 10.74% | ||
| Peer 75th percentile | 13.25% | 13.25% | 14.28% | 11.26% | ||
| This bank's percentile | 60 | 60 | 60 | 20 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/83638/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.