Customers Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.53% (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: 6.53% (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 13.55% +7.05 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 | $2.38B | 2,376,363 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $17.53B | 17,534,686 | RCOAA223 |
| Recomputed ratio | 13.55% | numerator / denominator | |
| Filed ratio | 13.55% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.05 pp | $1.24B | capital that could be lost first |
Tier 1 risk-based capital ratio 13.55% +5.55 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 | $2.38B | 2,376,363 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $17.53B | 17,534,686 | RCOAA223 |
| Recomputed ratio | 13.55% | numerator / denominator | |
| Filed ratio | 13.55% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.55 pp | $973.6M | capital that could be lost first |
Total risk-based capital ratio 14.53% +4.53 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 | $2.55B | 2,547,717 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $17.53B | 17,534,686 | RCOAA223 |
| Recomputed ratio | 14.53% | numerator / denominator | |
| Filed ratio | 14.53% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.53 pp | $794.3M | capital that could be lost first |
Tier 1 leverage ratio 9.34% +4.34 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 | $2.38B | 2,376,363 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $25.44B | 25,438,076 | RCOAA224 |
| Recomputed ratio | 9.34% | numerator / denominator | |
| Filed ratio | 9.34% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.34 pp | $1.10B | 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 | 1,161,002 | 1,155,671 | 1,090,439 | 1,085,409 | 1,031,349 | 997,255 | RCOAP742 |
| Retained earnings | 1,221,467 | 1,191,296 | 1,119,051 | 1,042,085 | 964,162 | 899,419 | RCOAKW00 |
| Accumulated other comprehensive income | (58,358) | (54,669) | (54,063) | (51,101) | (71,337) | (67,653) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 2,324,111 | 2,292,298 | 2,155,427 | 2,076,393 | 1,924,174 | 1,829,021 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 52,252 | 49,314 | 48,506 | 45,411 | 65,167 | 61,173 | P859 - P840 |
| Common equity Tier 1 capital | 2,376,363 | 2,341,612 | 2,203,933 | 2,121,804 | 1,989,341 | 1,890,194 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 2,376,363 | 2,341,612 | 2,203,933 | 2,121,804 | 1,989,341 | 1,890,194 | RCOA8274 |
| Tier 2 capital | 171,354 | 167,208 | 227,811 | 221,884 | 218,472 | 230,914 | RCOA5311 |
| Allowance includable in Tier 2 capital | 171,354 | 167,208 | 162,016 | 156,103 | 152,706 | 143,245 | RCOA5310 |
| Total capital | 2,547,717 | 2,508,820 | 2,431,744 | 2,343,688 | 2,207,813 | 2,121,108 | RCOA3792 |
| Total risk-weighted assets | 17,534,686 | 16,987,946 | 16,631,380 | 16,048,078 | 15,299,067 | 15,239,847 | RCOAA223 |
| Average total assets for the leverage ratio | 25,438,076 | 24,999,105 | 24,776,533 | 24,016,707 | 22,452,759 | 22,421,228 | 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 | $4.18B | $13.4M | 0.32% | 0.08% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $2.65B | $566.6M | 21.41% | 3.23% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $2.40B | $1.19B | 49.45% | 6.77% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $49.5M | $68.3M | 138.10% | 0.39% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $13.36B | $12.76B | 95.54% | 72.78% | RC-R Part II, item 4.d, 5.d |
| All other assets | $1.07B | $864.7M | 81.08% | 4.93% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.34B | $1.34B | 99.86% | 7.63% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $47.1M | $20.8M | 44.11% | 0.12% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $712.8M | NA | 4.06% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $16.82B | ties to item 31 ($16.82B) |
|---|---|---|
| Risk-weighted assets before deductions | $17.53B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $17.53B | 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 | 13.55% | 13.55% | 14.53% | 9.34% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 13.78% | 13.78% | 14.77% | 9.37% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 13.25% | 13.25% | 14.62% | 8.90% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 13.22% | 13.22% | 14.60% | 8.83% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 13.00% | 13.00% | 14.43% | 8.86% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 12.40% | 12.40% | 13.92% | 8.43% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 12.96% | 12.96% | 14.33% | 8.65% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 13.64% | 13.64% | 15.06% | 9.08% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 14.17% | 14.17% | 15.64% | 9.16% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 14.16% | 14.16% | 15.82% | 8.82% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 13.77% | 13.77% | 15.28% | 8.71% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 12.97% | 12.97% | 14.46% | 8.25% | 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 |
|---|---|---|---|---|---|---|
| Customers Bank (this bank) | Risk-based | 13.55% | 13.55% | 14.53% | 9.34% | |
| Charles Schwab Premier Bank, SSB | $26.58B | Risk-based | 49.32% | 49.32% | 49.32% | 10.90% |
| Renasant Bank | $26.99B | Risk-based | 12.41% | 12.41% | 13.67% | 10.72% |
| First Interstate Bank | $25.79B | Risk-based | 14.32% | 14.32% | 15.46% | 9.42% |
| Provident Bank | $25.65B | Risk-based | 12.09% | 12.09% | 12.99% | 10.53% |
| Ameriprise Bank, FSB | $25.48B | Risk-based | 30.38% | 30.38% | 30.57% | 7.38% |
| WaFd Bank | $27.58B | Risk-based | 12.95% | 12.95% | 14.14% | 9.21% |
| WesBanco Bank, Inc. | $27.75B | Risk-based | 12.24% | 12.24% | 13.28% | 10.25% |
| Rockland Trust Company | $24.97B | Risk-based | 14.86% | 14.86% | 15.85% | 11.83% |
| Arvest Bank | $28.05B | Risk-based | 11.45% | 11.45% | 12.48% | 9.11% |
| Simmons Bank | $24.73B | Risk-based | 10.44% | 10.44% | 11.69% | 9.18% |
| Peer 25th percentile | 12.13% | 12.13% | 13.07% | 9.19% | ||
| Peer median | 12.68% | 12.68% | 13.90% | 9.84% | ||
| Peer 75th percentile | 14.72% | 14.72% | 15.75% | 10.68% | ||
| This bank's percentile | 60 | 60 | 60 | 40 |
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/2354985/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.