Banner Bank: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
Banner Bank reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 12.58% in Q3 2026, down 0.34 percentage points from 12.91% in Q3 2025. Across the 12 quarters shown it ranged from 12.49% (Q2 2024) to 12.91% (Q3 2025).
What the capital ratios and amounts page covers and where each line comes from.
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.
Common stock surplus climbed 12.1% in Q3 2026, from $1.63B to $1.82B. It was the largest change from Q2 2026 among the key lines here. Banner Bank ranks 12th of 19 Washington banks on CET1 ratio, in the lower half at 12.58% (Q3 2026). At 12.58%, Banner Bank's CET1 ratio is close to the 12.88% median for banks in the $10B-100B asset tier (Q3 2026).
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.58% |
| Tier 1 risk-based capital ratio | 12.58% |
| Total risk-based capital ratio | 13.74% |
| Tier 1 leverage ratio | 11.60% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R; Common equity Tier 1 ratio: Call Report Schedule RC-R, Part I (RCOAP793); Tier 1 risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7206); Total risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7205); Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $1.95B |
| Tier 1 capital | $1.95B |
| Total risk-based capital | $2.13B |
| Total equity capital | $2.13B |
| Risk-weighted assets | $15.51B |
Source: Call Report Schedule RC-R; Total equity capital: Call Report Schedule RC, item 27.a (RCON3210). Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 11.77% |
| Tangible equity to tangible assets | 9.44% |
| Equity capital to average assets | 12.30% |
| Internal capital growth rate | 5.18% |
Source: Call Report Schedule RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $2.9M |
| Common stock surplus | $1.82B |
| Retained earnings | $586.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$286.8M |
| Subordinated notes and debentures | $0 |
Source: Call Report Schedule RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 12.52% | 12.52% | 13.70% | 10.46% | $13.07B |
| Q1 2024 | 12.57% | 12.57% | 13.78% | 10.58% | $13.11B |
| Q2 2024 | 12.49% | 12.49% | 13.70% | 10.66% | $13.38B |
| Q3 2024 | 12.73% | 12.73% | 13.95% | 10.74% | $13.35B |
| Q4 2024 | 12.82% | 12.82% | 14.03% | 10.83% | $13.47B |
| Q1 2025 | 12.91% | 12.91% | 14.16% | 10.95% | $13.50B |
| Q2 2025 | 12.71% | 12.71% | 13.96% | 10.81% | $13.68B |
| Q3 2025 | 12.91% | 12.91% | 14.16% | 10.91% | $13.70B |
| Q4 2025 | 12.89% | 12.89% | 14.14% | 10.95% | $13.84B |
| Q1 2026 | 12.91% | 12.91% | 14.16% | 11.09% | $13.84B |
| Q2 2026 | 12.71% | 12.71% | 13.95% | 11.15% | $14.25B |
| Q3 2026 | 12.58% | 12.58% | 13.74% | 11.60% | $15.51B |
Banner Bank capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. How these pages are built. See the full Banner Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28489) · FFIEC NIC profile (RSSD 352772)