Bradesco Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.95% (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: 6.95% (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 13.93% +7.43 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 | $603.5M | 603,504 | RCFAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.33B | 4,331,519 | RCFAA223 |
| Recomputed ratio | 13.93% | numerator / denominator | |
| Filed ratio | 13.93% | RCFAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.43 pp | $322.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.93% +5.93 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 | $603.5M | 603,504 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.33B | 4,331,519 | RCFAA223 |
| Recomputed ratio | 13.93% | numerator / denominator | |
| Filed ratio | 13.93% | RCFA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.93 pp | $257.0M | capital that could be lost first |
Total risk-based capital ratio 14.95% +4.95 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 | $647.7M | 647,662 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.33B | 4,331,519 | RCFAA223 |
| Recomputed ratio | 14.95% | numerator / denominator | |
| Filed ratio | 14.95% | RCFA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.95 pp | $214.5M | capital that could be lost first |
Tier 1 leverage ratio 10.09% +5.09 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 | $603.5M | 603,504 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $5.98B | 5,982,951 | RCFAA224 |
| Recomputed ratio | 10.09% | numerator / denominator | |
| Filed ratio | 10.09% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.09 pp | $304.4M | 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 | 259,540 | 259,540 | 259,540 | 259,540 | 259,540 | 259,540 | RCFAP742 |
| Retained earnings | 343,963 | 330,241 | 315,659 | 302,844 | 289,440 | 277,476 | RCFAKW00 |
| Accumulated other comprehensive income | 2,009 | 1,448 | 2,242 | 2,378 | 816 | (46) | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 605,512 | 591,229 | 577,441 | 564,762 | 549,796 | 536,970 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,008) | (1,448) | (2,242) | (2,378) | (816) | 46 | P859 - P840 |
| Common equity Tier 1 capital | 603,504 | 589,781 | 575,199 | 562,384 | 548,980 | 537,016 | RCFAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP865 |
| Tier 1 capital | 603,504 | 589,781 | 575,199 | 562,384 | 548,980 | 537,016 | RCFA8274 |
| Tier 2 capital | 44,158 | 42,745 | 40,023 | 38,250 | 37,443 | 36,080 | RCFA5311 |
| Allowance includable in Tier 2 capital | 44,158 | 42,745 | 40,023 | 38,250 | 37,443 | 36,080 | RCFA5310 |
| Total capital | 647,662 | 632,526 | 615,222 | 600,634 | 586,423 | 573,096 | RCFA3792 |
| Total risk-weighted assets | 4,331,519 | 3,843,689 | 3,620,823 | 3,306,096 | 3,295,330 | 3,148,675 | RCFAA223 |
| Average total assets for the leverage ratio | 5,982,951 | 5,780,835 | 5,441,535 | 5,277,606 | 4,997,791 | 4,916,692 | 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 | $628.4M | $33.2M | 5.28% | 0.77% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $675.0M | $465.7M | 68.99% | 10.75% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $6.2M | $1.2M | 20.00% | 0.03% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $2.59B | $1.30B | 50.13% | 29.96% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $1.98B | $2.22B | 112.12% | 51.21% | RC-R Part II, item 4.d, 5.d |
| Trading assets | $60.9M | $44.9M | 73.69% | 1.04% | RC-R Part II, item 7 |
| All other assets | $205.7M | $188.8M | 91.79% | 4.36% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $168.8M | $80.6M | 47.78% | 1.86% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $4.3M | $861K | 20.00% | 0.02% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $452K | NA | 0.01% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $4.33B | ties to item 31 ($4.33B) |
|---|---|---|
| Risk-weighted assets before deductions | $4.33B | RCFDB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $4.33B | 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 | 13.93% | 13.93% | 14.95% | 10.09% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 15.34% | 15.34% | 16.46% | 10.20% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 15.89% | 15.89% | 16.99% | 10.57% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 17.01% | 17.01% | 18.17% | 10.66% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 16.66% | 16.66% | 17.80% | 10.98% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 17.06% | 17.06% | 18.20% | 10.92% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 17.10% | 17.10% | 18.19% | 10.99% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 18.05% | 18.05% | 19.19% | 11.71% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 18.30% | 18.30% | 19.40% | 12.23% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 18.29% | 18.29% | 19.41% | 11.95% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 18.02% | 18.02% | 19.06% | 12.75% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 20.76% | 20.76% | 21.93% | 13.37% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Bradesco Bank (this bank) | Risk-based | 13.93% | 13.93% | 14.95% | 10.09% | |
| SmartBank | $6.11B | Risk-based | 11.38% | 11.38% | 12.30% | 9.86% |
| CFG Bank | $6.12B | Risk-based | 12.50% | 12.50% | 13.71% | 11.29% |
| Shore United Bank, N.A. | $6.15B | Risk-based | 12.31% | 12.31% | 13.56% | 10.00% |
| Middlesex Savings Bank | $6.15B | Risk-based | 18.24% | 18.24% | 19.01% | 13.44% |
| River City Bank | $6.04B | Risk-based | 13.18% | 13.18% | 14.44% | 9.22% |
| First Financial Bank, N.A. | $6.17B | Risk-based | 12.62% | 12.62% | 13.63% | 10.36% |
| First International Bank and Trust | $6.18B | Risk-based | 10.68% | 10.68% | 11.71% | 9.06% |
| Banesco USA | $5.98B | CBLR | NA | NA | NA | 11.46% |
| Wilson Bank & Trust | $5.98B | Risk-based | 14.35% | 14.35% | 15.60% | 10.85% |
| Fremont Bank | $5.97B | Risk-based | 10.69% | 10.69% | 11.95% | 8.35% |
| Peer 25th percentile | 11.38% | 11.38% | 12.30% | 9.38% | ||
| Peer median | 12.50% | 12.50% | 13.63% | 10.18% | ||
| Peer 75th percentile | 13.18% | 13.18% | 14.44% | 11.18% | ||
| This bank's percentile | 78 | 78 | 78 | 50 |
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/725732/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.