CFG Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.71% (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: 5.71% (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 12.50% +6.00 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 | $654.8M | 654,784 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $5.24B | 5,238,674 | RCOAA223 |
| Recomputed ratio | 12.50% | numerator / denominator | |
| Filed ratio | 12.50% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.00 pp | $314.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.50% +4.50 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 | $654.8M | 654,784 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $5.24B | 5,238,674 | RCOAA223 |
| Recomputed ratio | 12.50% | numerator / denominator | |
| Filed ratio | 12.50% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.50 pp | $235.7M | capital that could be lost first |
Total risk-based capital ratio 13.71% +3.71 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 | $718.4M | 718,406 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $5.24B | 5,238,674 | RCOAA223 |
| Recomputed ratio | 13.71% | numerator / denominator | |
| Filed ratio | 13.71% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.71 pp | $194.5M | capital that could be lost first |
Tier 1 leverage ratio 11.29% +6.29 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 | $654.8M | 654,784 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $5.80B | 5,798,644 | RCOAA224 |
| Recomputed ratio | 11.29% | numerator / denominator | |
| Filed ratio | 11.29% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.29 pp | $364.9M | 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 | 278,434 | 278,434 | 278,434 | 278,434 | 278,434 | 278,434 | RCOAP742 |
| Retained earnings | 377,583 | 371,933 | 364,219 | 342,778 | 327,560 | 313,993 | RCOAKW00 |
| Accumulated other comprehensive income | (5,030) | (6,760) | (2,317) | (3,638) | (5,075) | (9,578) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 650,987 | 643,607 | 640,336 | 617,574 | 600,919 | 582,849 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 3,797 | 5,527 | 1,084 | 2,405 | 3,842 | 8,345 | P859 - P840 |
| Common equity Tier 1 capital | 654,784 | 649,134 | 641,420 | 619,979 | 604,761 | 591,194 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 654,784 | 649,134 | 641,420 | 619,979 | 604,761 | 591,194 | RCOA8274 |
| Tier 2 capital | 63,622 | 57,738 | 58,086 | 59,800 | 61,326 | 59,360 | RCOA5311 |
| Allowance includable in Tier 2 capital | 63,622 | 57,738 | 58,086 | 59,800 | 61,326 | 59,360 | RCOA5310 |
| Total capital | 718,406 | 706,872 | 699,506 | 679,779 | 666,087 | 650,554 | RCOA3792 |
| Total risk-weighted assets | 5,238,674 | 5,120,390 | 5,260,467 | 4,912,651 | 5,058,573 | 4,932,885 | RCOAA223 |
| Average total assets for the leverage ratio | 5,798,644 | 5,799,088 | 5,518,225 | 5,514,070 | 5,446,370 | 5,431,199 | 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 | $392.7M | $1.7M | 0.42% | 0.03% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.36B | $19.5M | 1.43% | 0.37% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $17.0M | $13.8M | 80.93% | 0.26% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $429.1M | $643.6M | 150.00% | 12.29% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $153.6M | $230.4M | 150.00% | 4.40% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $3.38B | $3.38B | 99.96% | 64.47% | RC-R Part II, item 4.d, 5.d |
| All other assets | $334.9M | $414.1M | 123.65% | 7.91% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $317.8M | $317.8M | 100.00% | 6.07% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $5.5M | $3.1M | 56.97% | 0.06% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $217.3M | NA | 4.15% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $5.02B | ties to item 31 ($5.02B) |
|---|---|---|
| Risk-weighted assets before deductions | $5.24B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $5.24B | 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 | 12.50% | 12.50% | 13.71% | 11.29% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 12.68% | 12.68% | 13.80% | 11.19% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 12.19% | 12.19% | 13.30% | 11.62% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 12.62% | 12.62% | 13.84% | 11.24% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 11.96% | 11.96% | 13.17% | 11.10% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.98% | 11.98% | 13.19% | 10.89% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.61% | 11.61% | 12.77% | 10.92% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.21% | 12.21% | 13.46% | 11.21% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.55% | 11.55% | 12.78% | 11.23% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.21% | 11.21% | 12.42% | 11.27% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.62% | 10.62% | 11.80% | 10.77% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 9.26% | 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 |
|---|---|---|---|---|---|---|
| CFG Bank (this bank) | Risk-based | 12.50% | 12.50% | 13.71% | 11.29% | |
| SmartBank | $6.11B | Risk-based | 11.38% | 11.38% | 12.30% | 9.86% |
| Bradesco Bank | $6.10B | Risk-based | 13.93% | 13.93% | 14.95% | 10.09% |
| 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% |
| 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% |
| River City Bank | $6.04B | Risk-based | 13.18% | 13.18% | 14.44% | 9.22% |
| Mercantile Bank | $6.24B | Risk-based | 12.59% | 12.59% | 13.54% | 11.61% |
| Banesco USA | $5.98B | CBLR | NA | NA | NA | 11.46% |
| Peer 25th percentile | 12.08% | 12.08% | 13.23% | 9.86% | ||
| Peer median | 12.61% | 12.61% | 13.60% | 10.09% | ||
| Peer 75th percentile | 13.37% | 13.37% | 14.57% | 11.46% | ||
| This bank's percentile | 38 | 38 | 62 | 67 |
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/2471239/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.