East West Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.15% (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: 7.15% (RCFAH311).
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 13.90% +7.40 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 | $8.21B | 8,206,368 | RCFAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $59.05B | 59,047,311 | RCFAA223 |
| Recomputed ratio | 13.90% | numerator / denominator | |
| Filed ratio | 13.90% | RCFAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.40 pp | $4.37B | capital that could be lost first |
Tier 1 risk-based capital ratio 13.90% +5.90 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 | $8.21B | 8,206,368 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $59.05B | 59,047,311 | RCFAA223 |
| Recomputed ratio | 13.90% | numerator / denominator | |
| Filed ratio | 13.90% | RCFA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.90 pp | $3.48B | capital that could be lost first |
Total risk-based capital ratio 15.15% +5.15 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 | $8.95B | 8,946,324 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $59.05B | 59,047,311 | RCFAA223 |
| Recomputed ratio | 15.15% | numerator / denominator | |
| Filed ratio | 15.15% | RCFA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.15 pp | $3.04B | capital that could be lost first |
Tier 1 leverage ratio 9.89% +4.89 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 | $8.21B | 8,206,368 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $82.94B | 82,940,539 | RCFAA224 |
| Recomputed ratio | 9.89% | numerator / denominator | |
| Filed ratio | 9.89% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.89 pp | $4.06B | 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 | 2,219,927 | 2,219,615 | 2,219,549 | 2,205,951 | 2,169,839 | 2,155,343 | RCFAP742 |
| Retained earnings | 6,506,173 | 6,388,181 | 6,277,899 | 6,197,951 | 5,984,570 | 5,829,277 | RCFAKW00 |
| Accumulated other comprehensive income | (414,491) | (389,129) | (346,383) | (375,557) | (462,380) | (495,015) | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 8,311,609 | 8,218,667 | 8,151,065 | 8,028,345 | 7,692,029 | 7,489,605 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | (105,241) | (136,464) | (177,529) | (120,689) | (38,072) | (2,915) | P859 - P840 |
| Common equity Tier 1 capital | 8,206,368 | 8,082,203 | 7,973,536 | 7,907,656 | 7,653,957 | 7,486,690 | RCFAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP865 |
| Tier 1 capital | 8,206,368 | 8,082,203 | 7,973,536 | 7,907,656 | 7,653,957 | 7,486,690 | RCFA8274 |
| Tier 2 capital | 739,956 | 732,372 | 721,165 | 712,967 | 703,144 | 691,534 | RCFA5311 |
| Allowance includable in Tier 2 capital | 739,956 | 732,372 | 721,165 | 712,967 | 703,144 | 691,534 | RCFA5310 |
| Total capital | 8,946,324 | 8,814,575 | 8,694,701 | 8,620,623 | 8,357,101 | 8,178,224 | RCFA3792 |
| Total risk-weighted assets | 59,047,311 | 58,439,274 | 57,555,863 | 56,911,417 | 56,148,955 | 55,238,964 | RCFAA223 |
| Average total assets for the leverage ratio | 82,940,539 | 80,736,341 | 79,458,263 | 79,180,839 | 76,811,754 | 75,621,959 | RCFAA224 |
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 | $4.80B | $408.2M | 8.51% | 0.69% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $17.40B | $1.40B | 8.06% | 2.37% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $112.0M | $112.0M | 100.00% | 0.19% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $19.74B | $10.85B | 54.98% | 18.34% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $7.6M | $11.4M | 150.00% | 0.02% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $151.6M | $211.9M | 139.81% | 0.36% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $39.06B | $37.39B | 95.72% | 63.16% | RC-R Part II, item 4.d, 5.d |
| All other assets | $2.83B | $2.57B | 90.61% | 4.34% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $7.25B | $5.75B | 79.23% | 9.71% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $378.9M | $234.2M | 61.80% | 0.40% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $260.1M | NA | 0.44% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $58.94B | ties to item 31 ($58.94B) |
|---|---|---|
| Risk-weighted assets before deductions | $59.20B | RCFDB704 |
| Less: excess allowance for credit losses | $149.2M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $59.05B | RCFDG641, 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 | 13.90% | 13.90% | 15.15% | 9.89% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 13.83% | 13.83% | 15.08% | 10.01% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 13.85% | 13.85% | 15.11% | 10.03% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 13.89% | 13.89% | 15.15% | 9.99% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 13.63% | 13.63% | 14.88% | 9.96% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 13.55% | 13.55% | 14.81% | 9.90% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 13.44% | 13.44% | 14.69% | 9.81% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 13.31% | 13.31% | 14.56% | 9.83% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 13.06% | 13.06% | 14.31% | 9.85% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 12.87% | 12.87% | 14.12% | 9.55% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 12.58% | 12.58% | 13.75% | 9.65% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 12.90% | 12.90% | 14.06% | 9.84% | 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 |
|---|---|---|---|---|---|---|
| East West Bank (this bank) | Risk-based | 13.90% | 13.90% | 15.15% | 9.89% | |
| First Horizon Bank | $84.12B | Risk-based | 11.18% | 11.58% | 13.02% | 10.32% |
| Webster Bank, N.A. | $85.90B | Risk-based | 12.23% | 12.23% | 13.47% | 8.51% |
| Flagstar Bank, N.A. | $87.71B | Risk-based | 13.16% | 13.99% | 16.58% | 9.70% |
| Zions Bancorporation, N.A. | $89.04B | Risk-based | 11.83% | 11.92% | 14.02% | 9.43% |
| Old National Bank | $73.86B | Risk-based | 11.34% | 11.34% | 12.29% | 8.80% |
| UMB Bank, N.A. | $71.90B | Risk-based | 11.75% | 11.75% | 12.62% | 8.89% |
| Western Alliance Bank | $98.57B | Risk-based | 11.58% | 12.03% | 13.45% | 8.08% |
| City National Bank | $99.10B | Risk-based | 14.57% | 14.57% | 16.25% | 10.08% |
| SouthState Bank, N.A. | $68.79B | Risk-based | 12.17% | 12.17% | 13.27% | 10.28% |
| Peer 25th percentile | 11.58% | 11.75% | 13.02% | 8.80% | ||
| Peer median | 11.83% | 12.03% | 13.45% | 9.43% | ||
| Peer 75th percentile | 12.23% | 12.23% | 14.02% | 10.08% | ||
| This bank's percentile | 89 | 78 | 78 | 67 |
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/197478/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.