CFG Bank: 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%.
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.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which fell 0.59 percentage points to 10.63%. Within Maryland, CFG Bank is 14th of 20 on CET1 ratio, 12.50% as of Q2 2026. CFG Bank reported 12.50% on CET1 ratio for Q2 2026, 1.00 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.50% |
| Tier 1 risk-based capital ratio | 12.50% |
| Total risk-based capital ratio | 13.71% |
| Tier 1 leverage ratio | 11.29% |
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 | $654.8M |
| Tier 1 capital | $654.8M |
| Total risk-based capital | $718.4M |
| Total equity capital | $651.0M |
| Risk-weighted assets | $5.24B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.63% |
| Tangible equity to tangible assets | 10.62% |
| Equity capital to average assets | 11.22% |
| Internal capital growth rate | 3.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $278.3M |
| Retained earnings | $377.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.0M |
| 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 | — | — | — | 9.26% | — |
| Q4 2023 | 10.62% | 10.62% | 11.80% | 10.77% | $5.09B |
| Q1 2024 | 11.21% | 11.21% | 12.42% | 11.27% | $5.00B |
| Q2 2024 | 11.55% | 11.55% | 12.78% | 11.23% | $4.99B |
| Q3 2024 | 12.21% | 12.21% | 13.46% | 11.21% | $4.84B |
| Q4 2024 | 11.61% | 11.61% | 12.77% | 10.92% | $4.97B |
| Q1 2025 | 11.98% | 11.98% | 13.19% | 10.89% | $4.93B |
| Q2 2025 | 11.96% | 11.96% | 13.17% | 11.10% | $5.06B |
| Q3 2025 | 12.62% | 12.62% | 13.84% | 11.24% | $4.91B |
| Q4 2025 | 12.19% | 12.19% | 13.30% | 11.62% | $5.26B |
| Q1 2026 | 12.68% | 12.68% | 13.80% | 11.19% | $5.12B |
| Q2 2026 | 12.50% | 12.50% | 13.71% | 11.29% | $5.24B |
CFG Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock CFG Bank, 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 CFG Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34294) · FFIEC NIC profile (RSSD 2471239)