City National 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%.
Accumulated other comprehensive income dropped 7.5% in Q2 2026, from $792.0M to $732.3M. It was the largest change from Q1 2026 among the key lines here. Within California, City National Bank is 40th of 74 on CET1 ratio, 14.57% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. City National Bank sits 1.61 points higher, at 14.57% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.57% |
| Tier 1 risk-based capital ratio | 14.57% |
| Total risk-based capital ratio | 16.25% |
| Tier 1 leverage ratio | 10.08% |
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 | $10.04B |
| Tier 1 capital | $10.04B |
| Total risk-based capital | $11.20B |
| Total equity capital | $11.28B |
| Risk-weighted assets | $68.92B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.38% |
| Tangible equity to tangible assets | 10.85% |
| Equity capital to average assets | 11.27% |
| Internal capital growth rate | -9.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $90.0M |
| Common stock surplus | $6.22B |
| Retained earnings | $4.24B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $732.3M |
| Subordinated notes and debentures | $400.0M |
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 | 13.72% | 13.72% | 15.40% | 9.48% | $67.41B |
| Q4 2023 | 14.15% | 14.15% | 15.88% | 9.88% | $65.54B |
| Q1 2024 | 14.61% | 14.61% | 16.42% | 10.17% | $64.56B |
| Q2 2024 | 14.94% | 14.94% | 16.75% | 10.52% | $64.25B |
| Q3 2024 | 15.53% | 15.53% | 17.35% | 10.75% | $63.07B |
| Q4 2024 | 16.24% | 16.24% | 18.05% | 10.65% | $61.82B |
| Q1 2025 | 16.20% | 16.20% | 18.03% | 11.12% | $62.97B |
| Q2 2025 | 16.18% | 16.18% | 17.99% | 11.22% | $64.43B |
| Q3 2025 | 16.28% | 16.28% | 17.99% | 11.33% | $65.61B |
| Q4 2025 | 16.18% | 16.18% | 17.87% | 11.14% | $67.72B |
| Q1 2026 | 15.06% | 15.06% | 16.79% | 10.37% | $68.65B |
| Q2 2026 | 14.57% | 14.57% | 16.25% | 10.08% | $68.92B |
City National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock City National 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 City National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17281) · FFIEC NIC profile (RSSD 63069)