City National Bank of Florida: 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%.
Compared with Q1 2026, Retained earnings rose 5.7% in Q2 2026 to $1.72B, the biggest move on this page. Within Florida, City National Bank of Florida is 26th of 56 on CET1 ratio, 14.65% as of Q2 2026, above the middle of the field. City National Bank of Florida reported 14.65% on CET1 ratio for Q2 2026, 1.69 points above the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.65% |
| Tier 1 risk-based capital ratio | 14.65% |
| Total risk-based capital ratio | 15.75% |
| Tier 1 leverage ratio | 11.38% |
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 | $3.30B |
| Tier 1 capital | $3.30B |
| Total risk-based capital | $3.55B |
| Total equity capital | $3.09B |
| Risk-weighted assets | $22.53B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.60% |
| Tangible equity to tangible assets | 10.42% |
| Equity capital to average assets | 10.61% |
| Internal capital growth rate | 12.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $14.2M |
| Common stock surplus | $1.64B |
| Retained earnings | $1.72B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$283.7M |
| 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 | 13.22% | 13.22% | 14.03% | 9.47% | $19.20B |
| Q4 2023 | 13.93% | 13.93% | 14.72% | 9.90% | $19.06B |
| Q1 2024 | 14.22% | 14.22% | 15.05% | 10.01% | $19.00B |
| Q2 2024 | 14.01% | 14.01% | 14.89% | 10.30% | $19.56B |
| Q3 2024 | 14.11% | 14.11% | 15.10% | 10.34% | $19.64B |
| Q4 2024 | 14.07% | 14.07% | 15.08% | 10.57% | $20.10B |
| Q1 2025 | 14.10% | 14.10% | 15.14% | 10.52% | $20.48B |
| Q2 2025 | 14.41% | 14.41% | 15.51% | 10.69% | $20.53B |
| Q3 2025 | 14.21% | 14.21% | 15.35% | 10.82% | $21.33B |
| Q4 2025 | 14.38% | 14.38% | 15.48% | 10.94% | $21.66B |
| Q1 2026 | 14.39% | 14.39% | 15.48% | 11.22% | $22.26B |
| Q2 2026 | 14.65% | 14.65% | 15.75% | 11.38% | $22.53B |
City National Bank of Florida regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock City National Bank of Florida, 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 of Florida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20234) · FFIEC NIC profile (RSSD 814430)