The Depository Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 30.89% (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 CET1. The bank clears the requirement. Filed figure: 30.89% (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 35.39% +28.89 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 | $797.4M | 797,394 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.25B | 2,253,020 | RCOAA223 |
| Recomputed ratio | 35.39% | numerator / denominator | |
| Filed ratio | 35.39% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +28.89 pp | $650.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 42.05% +34.05 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 | $947.4M | 947,394 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.25B | 2,253,020 | RCOAA223 |
| Recomputed ratio | 42.05% | numerator / denominator | |
| Filed ratio | 42.05% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +34.05 pp | $767.2M | capital that could be lost first |
Total risk-based capital ratio 42.05% +32.05 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 | $947.4M | 947,394 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.25B | 2,253,020 | RCOAA223 |
| Recomputed ratio | 42.05% | numerator / denominator | |
| Filed ratio | 42.05% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +32.05 pp | $722.1M | capital that could be lost first |
Tier 1 leverage ratio 12.84% +7.84 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 | $947.4M | 947,394 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $7.38B | 7,377,634 | RCOAA224 |
| Recomputed ratio | 12.84% | numerator / denominator | |
| Filed ratio | 12.84% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.84 pp | $578.5M | 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 | 63,396 | 63,396 | 63,396 | 63,396 | 63,396 | 63,396 | RCOAP742 |
| Retained earnings | 796,095 | 781,923 | 756,254 | 731,507 | 698,806 | 682,978 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 859,491 | 845,319 | 819,650 | 794,903 | 762,202 | 746,374 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (62,097) | (57,754) | (55,940) | (51,039) | (48,755) | (46,252) | P859 - P840 |
| Common equity Tier 1 capital | 797,394 | 787,565 | 763,710 | 743,864 | 713,447 | 700,122 | RCOAP859 |
| Additional Tier 1 capital | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | RCOAP865 |
| Tier 1 capital | 947,394 | 937,565 | 913,710 | 893,864 | 863,447 | 850,122 | RCOA8274 |
| Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOA5311 |
| Allowance includable in Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOA5310 |
| Total capital | 947,394 | 937,565 | 913,710 | 893,864 | 863,447 | 850,122 | RCOA3792 |
| Total risk-weighted assets | 2,253,020 | 1,644,629 | 845,925 | 1,218,574 | 1,176,482 | 884,630 | RCOAA223 |
| Average total assets for the leverage ratio | 7,377,634 | 5,153,088 | 4,445,121 | 5,359,569 | 4,570,659 | 3,795,316 | 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 | $10.81B | $2.16B | 20.00% | 95.98% | RC-R Part II, item 1 |
| All other assets | $185.4M | $89.5M | 48.27% | 3.97% | RC-R Part II, item 8 |
| Derivatives (over the counter and centrally cleared) | $5.0M | $1.0M | 20.00% | 0.04% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $900 | 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 | $2.25B | ties to item 31 ($2.25B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.25B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.25B | 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 | 35.39% | 42.05% | 42.05% | 12.84% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 47.89% | 57.01% | 57.01% | 18.19% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 90.28% | 108.01% | 108.01% | 20.56% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 61.04% | 73.35% | 73.35% | 16.68% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 60.64% | 73.39% | 73.39% | 18.89% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 79.14% | 96.10% | 96.10% | 22.40% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 93.99% | NA | NA | 23.19% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 62.09% | 76.28% | 76.28% | 19.75% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 53.85% | 66.53% | 66.53% | 16.55% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 77.78% | 96.70% | 96.70% | 20.80% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 40.03% | 49.94% | 49.94% | 15.07% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 67.53% | 84.76% | 84.76% | 17.99% | 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 |
|---|---|---|---|---|---|---|
| The Depository Trust Company (this bank) | Risk-based | 35.39% | 42.05% | 42.05% | 12.84% | |
| Burke and Herbert Bank and Trust Company | $10.98B | Risk-based | 13.32% | 13.32% | 14.31% | 12.26% |
| Beal Bank USA | $11.05B | Risk-based | 51.76% | 51.76% | 52.89% | 21.89% |
| WEX Bank | $10.71B | Risk-based | 12.70% | 12.70% | 13.48% | 8.93% |
| Washington Trust Bank | $10.54B | Risk-based | 11.91% | 11.91% | 13.17% | 9.73% |
| Charles Schwab Trust Bank | $10.51B | Risk-based | 79.60% | 79.60% | 79.60% | 10.93% |
| Centier Bank | $10.41B | Risk-based | 12.85% | 12.85% | 14.04% | 10.74% |
| Stellar Bank | $10.40B | Risk-based | 12.79% | 12.79% | 13.99% | 10.48% |
| Amarillo National Bank | $10.38B | Risk-based | 13.03% | 13.03% | 14.18% | 10.75% |
| Stock Yards Bank & Trust Company | $10.36B | Risk-based | 12.02% | 12.02% | 13.28% | 10.74% |
| Peer 25th percentile | 12.70% | 12.70% | 13.48% | 10.48% | ||
| Peer median | 12.85% | 12.85% | 14.04% | 10.74% | ||
| Peer 75th percentile | 13.32% | 13.32% | 14.31% | 10.93% | ||
| This bank's percentile | 78 | 78 | 78 | 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/52719/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.