Desjardins Bank, N.A.: 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 total assets: 0.88 percentage points lower than in Q1 2026, at 18.62%.
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 | 19.31% |
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 | $67.4M |
| Tier 1 capital | $67.4M |
| Total risk-based capital | — |
| Total equity capital | $67.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.62% |
| Tangible equity to tangible assets | 18.62% |
| Equity capital to average assets | 19.31% |
| Internal capital growth rate | 5.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $60K |
| Common stock surplus | $35.0M |
| Retained earnings | $32.3M |
| 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 | 15.70% | 15.19% | 15.19% |
| Q4 2023 | 15.92% | 15.82% | 15.82% |
| Q1 2024 | 16.48% | 16.48% | 16.48% |
| Q2 2024 | 17.11% | 17.50% | 17.50% |
| Q3 2024 | 17.78% | 17.43% | 17.43% |
| Q4 2024 | 17.91% | 17.20% | 17.20% |
| Q1 2025 | 18.35% | 18.54% | 18.54% |
| Q2 2025 | 18.75% | 18.92% | 18.92% |
| Q3 2025 | 19.42% | 19.35% | 19.35% |
| Q4 2025 | 19.50% | 18.47% | 18.47% |
| Q1 2026 | 19.82% | 19.50% | 19.50% |
| Q2 2026 | 19.31% | 18.62% | 18.62% |
Desjardins Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Desjardins Bank, N.A., 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 Desjardins Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33565) · FFIEC NIC profile (RSSD 1940747)