BankUnited, N.A.: 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%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 6.8% to -$216.9M. Within Florida, BankUnited, N.A. is 40th of 56 on CET1 ratio, 13.01% as of Q2 2026, below the middle of the field. At 13.01%, BankUnited, N.A.'s CET1 ratio is close to the 12.96% median for banks in the $10B-100B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.01% |
| Tier 1 risk-based capital ratio | 13.01% |
| Total risk-based capital ratio | 13.90% |
| Tier 1 leverage ratio | 9.43% |
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 | $3.32B |
| Tier 1 capital | $3.32B |
| Total risk-based capital | $3.55B |
| Total equity capital | $3.18B |
| Risk-weighted assets | $25.52B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.13% |
| Tangible equity to tangible assets | 8.92% |
| Equity capital to average assets | 9.01% |
| Internal capital growth rate | 0.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $1.61B |
| Retained earnings | $1.79B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$216.9M |
| 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 | 13.17% | 13.17% | 13.93% | 9.08% | $25.00B |
| Q4 2023 | 13.09% | 13.09% | 13.89% | 9.11% | $25.12B |
| Q1 2024 | 13.41% | 13.41% | 14.30% | 9.32% | $24.92B |
| Q2 2024 | 13.46% | 13.46% | 14.36% | 9.55% | $25.30B |
| Q3 2024 | 13.63% | 13.63% | 14.55% | 9.59% | $25.11B |
| Q4 2024 | 13.70% | 13.70% | 14.59% | 9.67% | $25.14B |
| Q1 2025 | 13.41% | 13.41% | 14.32% | 9.53% | $25.04B |
| Q2 2025 | 12.96% | 12.96% | 13.86% | 9.28% | $25.39B |
| Q3 2025 | 13.19% | 13.19% | 14.10% | 9.46% | $25.20B |
| Q4 2025 | 12.73% | 12.73% | 13.61% | 9.27% | $25.76B |
| Q1 2026 | 12.89% | 12.89% | 13.73% | 9.41% | $25.74B |
| Q2 2026 | 13.01% | 13.01% | 13.90% | 9.43% | $25.52B |
BankUnited, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock BankUnited, N.A., 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 BankUnited, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58979) · FFIEC NIC profile (RSSD 3938186)