Byline Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.25% (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: 7.25% (RCOAH311).
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 14.00% +7.50 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 | $1.26B | 1,256,665 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $8.97B | 8,973,352 | RCOAA223 |
| Recomputed ratio | 14.00% | numerator / denominator | |
| Filed ratio | 14.00% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.50 pp | $673.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.00% +6.00 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 | $1.26B | 1,256,665 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $8.97B | 8,973,352 | RCOAA223 |
| Recomputed ratio | 14.00% | numerator / denominator | |
| Filed ratio | 14.00% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.00 pp | $538.8M | capital that could be lost first |
Total risk-based capital ratio 15.25% +5.25 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 | $1.37B | 1,368,832 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $8.97B | 8,973,352 | RCOAA223 |
| Recomputed ratio | 15.25% | numerator / denominator | |
| Filed ratio | 15.25% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.25 pp | $471.5M | capital that could be lost first |
Tier 1 leverage ratio 12.88% +7.88 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 | $1.26B | 1,256,665 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $9.76B | 9,758,894 | RCOAA224 |
| Recomputed ratio | 12.88% | numerator / denominator | |
| Filed ratio | 12.88% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.88 pp | $768.7M | 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 | 846,057 | 843,642 | 841,446 | 838,854 | 836,542 | 793,204 | RCOAP742 |
| Retained earnings | 635,962 | 610,865 | 585,799 | 563,856 | 537,709 | 529,506 | RCOAKW00 |
| Accumulated other comprehensive income | (86,578) | (81,567) | (73,075) | (79,703) | (90,239) | (96,384) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,395,441 | 1,372,940 | 1,354,170 | 1,323,007 | 1,284,012 | 1,226,326 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (138,776) | (144,630) | (154,579) | (148,936) | (138,810) | (122,812) | P859 - P840 |
| Common equity Tier 1 capital | 1,256,665 | 1,228,310 | 1,199,591 | 1,174,071 | 1,145,202 | 1,103,514 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 1,256,665 | 1,228,310 | 1,199,591 | 1,174,071 | 1,145,202 | 1,103,514 | RCOA8274 |
| Tier 2 capital | 112,167 | 109,196 | 109,302 | 105,745 | 106,989 | 100,784 | RCOA5311 |
| Allowance includable in Tier 2 capital | 112,167 | 109,196 | 109,302 | 105,745 | 106,989 | 100,784 | RCOA5310 |
| Total capital | 1,368,832 | 1,337,506 | 1,308,893 | 1,279,816 | 1,252,191 | 1,204,298 | RCOA3792 |
| Total risk-weighted assets | 8,973,352 | 9,001,990 | 8,982,403 | 8,918,239 | 8,850,359 | 8,513,254 | RCOAA223 |
| Average total assets for the leverage ratio | 9,758,894 | 9,655,847 | 9,551,388 | 9,610,235 | 9,539,843 | 9,120,928 | RCOAA224 |
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 | $193.6M | $11.2M | 5.79% | 0.12% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.60B | $292.2M | 18.25% | 3.26% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $375.2M | $197.1M | 52.54% | 2.20% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $30.0M | $45.0M | 150.00% | 0.50% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $67.9M | $78.5M | 115.50% | 0.87% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $7.09B | $6.97B | 98.36% | 77.70% | RC-R Part II, item 4.d, 5.d |
| All other assets | $466.8M | $541.2M | 115.94% | 6.03% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $835.4M | $725.3M | 86.82% | 8.08% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $32.1M | $11.8M | 36.74% | 0.13% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $98.6M | NA | 1.10% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $8.87B | ties to item 31 ($8.87B) |
|---|---|---|
| Risk-weighted assets before deductions | $8.97B | RCONB704 |
| Less: excess allowance for credit losses | $32K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $8.97B | RCONG641, 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 | 14.00% | 14.00% | 15.25% | 12.88% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.64% | 13.64% | 14.86% | 12.72% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.35% | 13.35% | 14.57% | 12.56% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.16% | 13.16% | 14.35% | 12.22% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.94% | 12.94% | 14.15% | 12.00% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.96% | 12.96% | 14.15% | 12.10% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 12.94% | 12.94% | 14.07% | 11.92% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.69% | 12.69% | 13.82% | 11.44% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 12.24% | 12.24% | 13.36% | 11.41% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 12.07% | 12.07% | 13.22% | 11.31% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.86% | 11.86% | 12.97% | 11.30% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.66% | 11.66% | 12.81% | 11.25% | 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 |
|---|---|---|---|---|---|---|
| Byline Bank (this bank) | Risk-based | 14.00% | 14.00% | 15.25% | 12.88% | |
| Tri Counties Bank | $9.93B | Risk-based | 13.69% | 13.69% | 14.94% | 12.00% |
| S & T Bank | $9.94B | Risk-based | 13.28% | 13.28% | 14.84% | 11.02% |
| Principal Bank | $9.84B | Risk-based | 14.91% | 14.91% | 15.07% | 7.13% |
| Capitol Federal Savings Bank | $9.68B | CBLR | NA | NA | NA | 9.57% |
| EagleBank | $9.62B | Risk-based | 14.95% | 14.95% | 16.20% | 11.49% |
| RBC Bank (Georgia), N.A. | $9.59B | Risk-based | 48.11% | 48.11% | 49.16% | 10.42% |
| Wintrust Bank, N.A. | $9.57B | Risk-based | 12.25% | 12.25% | 13.27% | 11.41% |
| Peoples Bank | $9.53B | Risk-based | 12.30% | 12.30% | 13.40% | 9.70% |
| Amalgamated Bank | $9.41B | Risk-based | 14.78% | 14.78% | 15.96% | 9.60% |
| Liberty Bank | $9.38B | Risk-based | 13.66% | 13.66% | 14.65% | 13.37% |
| Peer 25th percentile | 13.28% | 13.28% | 14.65% | 9.63% | ||
| Peer median | 13.69% | 13.69% | 14.94% | 10.72% | ||
| Peer 75th percentile | 14.91% | 14.91% | 15.96% | 11.47% | ||
| This bank's percentile | 56 | 56 | 67 | 90 |
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/129732/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.