City National Bank of Florida: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.75% (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: 7.75% (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 14.65% +8.15 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 | $3.30B | 3,300,629 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $22.53B | 22,530,702 | RCOAA223 |
| Recomputed ratio | 14.65% | numerator / denominator | |
| Filed ratio | 14.65% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.15 pp | $1.84B | capital that could be lost first |
Tier 1 risk-based capital ratio 14.65% +6.65 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 | $3.30B | 3,300,629 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $22.53B | 22,530,702 | RCOAA223 |
| Recomputed ratio | 14.65% | numerator / denominator | |
| Filed ratio | 14.65% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.65 pp | $1.50B | capital that could be lost first |
Total risk-based capital ratio 15.75% +5.75 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 | $3.55B | 3,547,846 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $22.53B | 22,530,702 | RCOAA223 |
| Recomputed ratio | 15.75% | numerator / denominator | |
| Filed ratio | 15.75% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.75 pp | $1.29B | capital that could be lost first |
Tier 1 leverage ratio 11.38% +6.38 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 | $3.30B | 3,300,629 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $29.01B | 29,014,100 | RCOAA224 |
| Recomputed ratio | 11.38% | numerator / denominator | |
| Filed ratio | 11.38% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.38 pp | $1.85B | 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 | 1,650,626 | 1,650,626 | 1,650,626 | 1,650,626 | 1,650,626 | 1,650,626 | RCOAP742 |
| Retained earnings | 1,719,361 | 1,625,932 | 1,541,810 | 1,470,253 | 1,402,238 | 1,336,193 | RCOAKW00 |
| Accumulated other comprehensive income | (283,693) | (285,682) | (285,192) | (304,974) | (358,756) | (368,222) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 3,086,294 | 2,990,876 | 2,907,244 | 2,815,905 | 2,694,108 | 2,618,597 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 214,335 | 211,829 | 206,846 | 215,247 | 264,443 | 269,326 | P859 - P840 |
| Common equity Tier 1 capital | 3,300,629 | 3,202,705 | 3,114,090 | 3,031,152 | 2,958,551 | 2,887,923 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 3,300,629 | 3,202,705 | 3,114,090 | 3,031,152 | 2,958,551 | 2,887,923 | RCOA8274 |
| Tier 2 capital | 247,217 | 243,544 | 238,685 | 243,270 | 225,165 | 212,735 | RCOA5311 |
| Allowance includable in Tier 2 capital | 247,217 | 243,544 | 238,685 | 243,270 | 225,165 | 212,735 | RCOA5310 |
| Total capital | 3,547,846 | 3,446,249 | 3,352,775 | 3,274,422 | 3,183,716 | 3,100,658 | RCOA3792 |
| Total risk-weighted assets | 22,530,702 | 22,257,854 | 21,657,060 | 21,327,416 | 20,526,331 | 20,483,388 | RCOAA223 |
| Average total assets for the leverage ratio | 29,014,100 | 28,544,635 | 28,453,607 | 28,001,741 | 27,684,318 | 27,448,113 | 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 | $702.2M | $14.0M | 2.00% | 0.06% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $6.95B | $925.6M | 13.32% | 4.11% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $4.80B | $2.50B | 52.10% | 11.11% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $102.2M | $153.3M | 150.00% | 0.68% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $15.70B | $15.48B | 98.60% | 68.70% | RC-R Part II, item 4.d, 5.d |
| All other assets | $1.37B | $1.16B | 84.26% | 5.14% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $2.25B | $2.22B | 98.62% | 9.87% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $175.0M | $74.7M | 42.68% | 0.33% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $2K | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $22.53B | ties to item 31 ($22.53B) |
|---|---|---|
| Risk-weighted assets before deductions | $22.53B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $22.53B | 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 | 14.65% | 14.65% | 15.75% | 11.38% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 14.39% | 14.39% | 15.48% | 11.22% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 14.38% | 14.38% | 15.48% | 10.94% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 14.21% | 14.21% | 15.35% | 10.82% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 14.41% | 14.41% | 15.51% | 10.69% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 14.10% | 14.10% | 15.14% | 10.52% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 14.07% | 14.07% | 15.08% | 10.57% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 14.11% | 14.11% | 15.10% | 10.34% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 14.01% | 14.01% | 14.89% | 10.30% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 14.22% | 14.22% | 15.05% | 10.01% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 13.93% | 13.93% | 14.72% | 9.90% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 13.22% | 13.22% | 14.03% | 9.47% | 12.66% | 12.67% | 13.78% | 9.78% |
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 |
|---|---|---|---|---|---|---|
| City National Bank of Florida (this bank) | Risk-based | 14.65% | 14.65% | 15.75% | 11.38% | |
| United Community Bank | $28.99B | Risk-based | 12.09% | 12.09% | 12.93% | 9.52% |
| Axos Bank | $28.87B | Risk-based | 10.93% | 10.93% | 12.10% | 9.24% |
| Sallie Mae Bank | $28.54B | Risk-based | 11.78% | 11.78% | 13.09% | 10.17% |
| Ameris Bank | $28.42B | Risk-based | 13.01% | 13.01% | 14.27% | 11.41% |
| Arvest Bank | $28.05B | Risk-based | 11.45% | 11.45% | 12.48% | 9.11% |
| WesBanco Bank, Inc. | $27.75B | Risk-based | 12.24% | 12.24% | 13.28% | 10.25% |
| BNY Mellon, N.A. | $30.62B | Risk-based | 15.96% | 15.96% | 17.86% | 6.52% |
| WaFd Bank | $27.58B | Risk-based | 12.95% | 12.95% | 14.14% | 9.21% |
| Eastern Bank | $31.13B | Risk-based | 12.07% | 12.07% | 13.07% | 10.15% |
| Peer 25th percentile | 11.78% | 11.78% | 12.93% | 9.21% | ||
| Peer median | 12.09% | 12.09% | 13.09% | 9.52% | ||
| Peer 75th percentile | 12.95% | 12.95% | 14.14% | 10.17% | ||
| This bank's percentile | 89 | 89 | 89 | 89 |
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/814430/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.