Dayforce National Trust 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%.
The standout move of Q2 2026 was in Equity capital to average assets: 12.32 percentage points higher than in Q1 2026, at 104.15%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 104.15% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $31.4M |
| Tier 1 capital | $31.4M |
| Total risk-based capital | — |
| Total equity capital | $31.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 92.67% |
| Tangible equity to tangible assets | 92.67% |
| Equity capital to average assets | 104.15% |
| Internal capital growth rate | 10.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $18.5M |
| Retained earnings | $12.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 83.57% | 79.00% | 79.00% |
| Q4 2023 | 81.15% | 84.04% | 84.04% |
| Q1 2024 | 85.60% | 84.30% | 84.30% |
| Q2 2024 | 85.35% | 83.81% | 83.81% |
| Q3 2024 | 84.35% | 82.20% | 82.20% |
| Q4 2024 | 86.78% | 88.26% | 88.26% |
| Q1 2025 | 88.82% | 85.50% | 85.50% |
| Q2 2025 | 85.85% | 83.88% | 83.88% |
| Q3 2025 | 86.86% | 85.35% | 85.35% |
| Q4 2025 | 89.36% | 89.49% | 89.49% |
| Q1 2026 | 91.83% | 89.59% | 89.59% |
| Q2 2026 | 104.15% | 92.67% | 92.67% |
Dayforce National Trust Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Dayforce National Trust 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 Dayforce National Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 5805817)