BMW Bank of North America: 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%.
Equity capital to total assets dropped 1.14 percentage points in Q2 2026, from 13.91% to 12.78%. It was the largest change from Q1 2026 among the key lines here. Within Utah, BMW Bank of North America is 18th of 28 on CET1 ratio, 13.65% as of Q2 2026, below the middle of the field. BMW Bank of North America reported 13.65% on CET1 ratio for Q2 2026, 0.69 points above the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.65% |
| Tier 1 risk-based capital ratio | 13.65% |
| Total risk-based capital ratio | 14.03% |
| Tier 1 leverage ratio | 13.24% |
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 | $1.78B |
| Tier 1 capital | $1.78B |
| Total risk-based capital | $1.83B |
| Total equity capital | $1.76B |
| Risk-weighted assets | $13.06B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.78% |
| Tangible equity to tangible assets | 12.78% |
| Equity capital to average assets | 13.08% |
| Internal capital growth rate | -13.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $547.4M |
| Retained earnings | $1.24B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$20.4M |
| 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 | 15.83% | 15.83% | 15.98% | 14.80% | $11.22B |
| Q4 2023 | 16.28% | 16.28% | 16.63% | 15.14% | $11.26B |
| Q1 2024 | 16.78% | 16.78% | 17.12% | 15.87% | $11.35B |
| Q2 2024 | 15.20% | 15.20% | 15.54% | 14.39% | $11.40B |
| Q3 2024 | 15.98% | 15.98% | 16.36% | 14.83% | $11.25B |
| Q4 2024 | 16.23% | 16.23% | 16.60% | 15.18% | $11.51B |
| Q1 2025 | 16.80% | 16.80% | 17.13% | 15.76% | $11.58B |
| Q2 2025 | 15.25% | 15.25% | 15.58% | 14.07% | $11.57B |
| Q3 2025 | 15.57% | 15.57% | 15.97% | 14.43% | $11.78B |
| Q4 2025 | 14.53% | 14.53% | 14.93% | 13.70% | $12.10B |
| Q1 2026 | 14.88% | 14.88% | 15.28% | 13.91% | $12.30B |
| Q2 2026 | 13.65% | 13.65% | 14.03% | 13.24% | $13.06B |
BMW Bank of North America regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock BMW Bank of North America, 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 BMW Bank of North America profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35141) · FFIEC NIC profile (RSSD 2850722)