Burke and Herbert Bank and Trust Company: 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 standout move of Q2 2026 was in Common stock surplus: 79.5% higher than in Q1 2026, at $872.8M. Burke and Herbert Bank and Trust Company ranks 31st of 44 Virginia banks on CET1 ratio, in the lower half at 13.32% (Q2 2026). The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio; Burke and Herbert Bank and Trust Company reported 13.32% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.32% |
| Tier 1 risk-based capital ratio | 13.32% |
| Total risk-based capital ratio | 14.31% |
| Tier 1 leverage ratio | 12.26% |
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 | $1.21B |
| Tier 1 capital | $1.21B |
| Total risk-based capital | $1.30B |
| Total equity capital | $1.33B |
| Risk-weighted assets | $9.08B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.10% |
| Tangible equity to tangible assets | 10.50% |
| Equity capital to average assets | 13.23% |
| Internal capital growth rate | -0.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.7M |
| Common stock surplus | $872.8M |
| Retained earnings | $508.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$59.6M |
| 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 | 16.36% | 16.36% | 17.39% | 11.27% | $2.54B |
| Q4 2023 | 16.79% | 16.79% | 17.82% | 11.27% | $2.48B |
| Q1 2024 | 16.45% | 16.45% | 17.43% | 11.28% | $2.54B |
| Q2 2024 | 12.40% | 12.40% | 13.53% | 9.89% | $6.39B |
| Q3 2024 | 13.08% | 13.08% | 14.21% | 10.67% | $6.32B |
| Q4 2024 | 13.29% | 13.29% | 14.41% | 10.88% | $6.38B |
| Q1 2025 | 13.52% | 13.52% | 14.62% | 11.22% | $6.45B |
| Q2 2025 | 13.98% | 13.98% | 15.08% | 11.51% | $6.41B |
| Q3 2025 | 14.08% | 14.08% | 15.20% | 11.40% | $6.32B |
| Q4 2025 | 14.77% | 14.77% | 15.92% | 11.59% | $6.20B |
| Q1 2026 | 15.15% | 15.15% | 16.29% | 11.97% | $6.21B |
| Q2 2026 | 13.32% | 13.32% | 14.31% | 12.26% | $9.08B |
Burke and Herbert Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Burke and Herbert Bank and Trust Company, 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 Burke and Herbert Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11578) · FFIEC NIC profile (RSSD 933621)