Ameriprise Bank, FSB: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 22.57% (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: 22.57% (RCOAH311).
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 30.38% +23.88 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 | $1.89B | 1,885,341 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.21B | 6,206,331 | RCOAA223 |
| Recomputed ratio | 30.38% | numerator / denominator | |
| Filed ratio | 30.38% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +23.88 pp | $1.48B | capital that could be lost first |
Tier 1 risk-based capital ratio 30.38% +22.38 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 | $1.89B | 1,885,341 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.21B | 6,206,331 | RCOAA223 |
| Recomputed ratio | 30.38% | numerator / denominator | |
| Filed ratio | 30.38% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +22.38 pp | $1.39B | capital that could be lost first |
Total risk-based capital ratio 30.57% +20.57 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 | $1.90B | 1,897,453 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.21B | 6,206,331 | RCOAA223 |
| Recomputed ratio | 30.57% | numerator / denominator | |
| Filed ratio | 30.57% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +20.57 pp | $1.28B | capital that could be lost first |
Tier 1 leverage ratio 7.38% +2.38 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 | $1.89B | 1,885,341 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $25.56B | 25,560,546 | RCOAA224 |
| Recomputed ratio | 7.38% | numerator / denominator | |
| Filed ratio | 7.38% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +2.38 pp | $607.3M | 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 | 1,186,463 | 1,186,463 | 1,186,463 | 1,186,463 | 1,186,463 | 1,186,463 | RCOAP742 |
| Retained earnings | 699,525 | 670,493 | 636,131 | 686,431 | 674,679 | 635,379 | RCOAKW00 |
| Accumulated other comprehensive income | (396,958) | (353,279) | (241,239) | (286,438) | (391,349) | (468,845) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,489,030 | 1,503,677 | 1,581,355 | 1,586,456 | 1,469,793 | 1,352,997 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 396,311 | 352,390 | 240,107 | 285,064 | 389,732 | 466,985 | P859 - P840 |
| Common equity Tier 1 capital | 1,885,341 | 1,856,067 | 1,821,462 | 1,871,520 | 1,859,525 | 1,819,982 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 1,885,341 | 1,856,067 | 1,821,462 | 1,871,520 | 1,859,525 | 1,819,982 | RCOA8274 |
| Tier 2 capital | 12,112 | 11,073 | 11,288 | 10,772 | 10,738 | 10,763 | RCOA5311 |
| Allowance includable in Tier 2 capital | 12,112 | 11,073 | 11,288 | 10,772 | 10,738 | 10,763 | RCOA5310 |
| Total capital | 1,897,453 | 1,867,140 | 1,832,750 | 1,882,292 | 1,870,263 | 1,830,745 | RCOA3792 |
| Total risk-weighted assets | 6,206,331 | 5,952,142 | 5,582,864 | 5,306,409 | 5,328,493 | 5,442,135 | RCOAA223 |
| Average total assets for the leverage ratio | 25,560,546 | 25,486,016 | 24,898,750 | 24,171,750 | 24,401,515 | 24,392,211 | RCOAA224 |
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 | $2.48B | $2.4M | 0.10% | 0.04% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $11.62B | $2.16B | 18.60% | 34.83% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $1.08B | $555.4M | 51.49% | 8.95% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $1.2M | $1.8M | 150.00% | 0.03% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.55B | $1.55B | 100.00% | 24.99% | RC-R Part II, item 4.d, 5.d |
| All other assets | $121.5M | $78.4M | 64.54% | 1.26% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $48.9M | $48.9M | 100.00% | 0.79% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $1.81B | NA | 29.11% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $4.40B | ties to item 31 ($4.40B) |
|---|---|---|
| Risk-weighted assets before deductions | $6.21B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $6.21B | RCONG641, 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 | 30.38% | 30.38% | 30.57% | 7.38% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 31.18% | 31.18% | 31.37% | 7.28% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 32.63% | 32.63% | 32.83% | 7.32% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 35.27% | 35.27% | 35.47% | 7.74% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 34.90% | 34.90% | 35.10% | 7.62% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 33.44% | 33.44% | 33.64% | 7.46% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 33.88% | 33.88% | 34.06% | 7.35% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 35.55% | 35.55% | 35.75% | 7.39% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 34.51% | 34.51% | 34.70% | 7.41% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 34.78% | 34.78% | 34.96% | 7.41% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 31.72% | 31.72% | 31.89% | 7.44% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 30.14% | 30.14% | 30.28% | 7.53% | 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 |
|---|---|---|---|---|---|---|
| Ameriprise Bank, FSB (this bank) | Risk-based | 30.38% | 30.38% | 30.57% | 7.38% | |
| Provident Bank | $25.65B | Risk-based | 12.09% | 12.09% | 12.99% | 10.53% |
| First Interstate Bank | $25.79B | Risk-based | 14.32% | 14.32% | 15.46% | 9.42% |
| Rockland Trust Company | $24.97B | Risk-based | 14.86% | 14.86% | 15.85% | 11.83% |
| Simmons Bank | $24.73B | Risk-based | 10.44% | 10.44% | 11.69% | 9.18% |
| Cathay Bank | $24.64B | Risk-based | 13.98% | 13.98% | 15.16% | 11.52% |
| Centennial Bank | $24.55B | Risk-based | 14.83% | 14.83% | 16.09% | 12.61% |
| Customers Bank | $26.50B | Risk-based | 13.55% | 13.55% | 14.53% | 9.34% |
| Charles Schwab Premier Bank, SSB | $26.58B | Risk-based | 49.32% | 49.32% | 49.32% | 10.90% |
| TriState Capital Bank | $24.26B | Risk-based | 18.45% | 18.45% | 19.10% | 7.41% |
| Renasant Bank | $26.99B | Risk-based | 12.41% | 12.41% | 13.67% | 10.72% |
| Peer 25th percentile | 12.70% | 12.70% | 13.88% | 9.36% | ||
| Peer median | 14.15% | 14.15% | 15.31% | 10.63% | ||
| Peer 75th percentile | 14.85% | 14.85% | 16.03% | 11.36% | ||
| This bank's percentile | 90 | 90 | 90 | 0 |
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/3470239/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.