Eastern Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.07% (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: 5.07% (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 12.07% +5.57 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 | $3.03B | 3,031,973 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $25.12B | 25,123,655 | RCOAA223 |
| Recomputed ratio | 12.07% | numerator / denominator | |
| Filed ratio | 12.07% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.57 pp | $1.40B | capital that could be lost first |
Tier 1 risk-based capital ratio 12.07% +4.07 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 | $3.03B | 3,031,973 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $25.12B | 25,123,655 | RCOAA223 |
| Recomputed ratio | 12.07% | numerator / denominator | |
| Filed ratio | 12.07% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.07 pp | $1.02B | capital that could be lost first |
Total risk-based capital ratio 13.07% +3.07 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 | $3.28B | 3,284,018 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $25.12B | 25,123,655 | RCOAA223 |
| Recomputed ratio | 13.07% | numerator / denominator | |
| Filed ratio | 13.07% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.07 pp | $771.6M | capital that could be lost first |
Tier 1 leverage ratio 10.15% +5.15 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 | $3.03B | 3,031,973 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $29.86B | 29,858,285 | RCOAA224 |
| Recomputed ratio | 10.15% | numerator / denominator | |
| Filed ratio | 10.15% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.15 pp | $1.54B | 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 | 3,208,717 | 3,208,717 | 3,208,597 | 2,670,479 | 2,670,479 | 2,670,479 | RCOAP742 |
| Retained earnings | 1,096,038 | 1,108,328 | 1,161,992 | 1,119,019 | 1,167,660 | 1,064,739 | RCOAKW00 |
| Accumulated other comprehensive income | (257,798) | (247,848) | (227,363) | (263,502) | (299,527) | (323,779) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 4,046,957 | 4,069,197 | 4,143,226 | 3,525,996 | 3,538,612 | 3,411,439 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,014,984) | (1,036,617) | (1,068,314) | (758,194) | (730,049) | (713,686) | P859 - P840 |
| Common equity Tier 1 capital | 3,031,973 | 3,032,580 | 3,074,912 | 2,767,802 | 2,808,563 | 2,697,753 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 3,031,973 | 3,032,580 | 3,074,912 | 2,767,802 | 2,808,563 | 2,697,753 | RCOA8274 |
| Tier 2 capital | 252,045 | 246,724 | 279,790 | 233,415 | 228,687 | 211,582 | RCOA5311 |
| Allowance includable in Tier 2 capital | 252,045 | 246,724 | 279,790 | 233,415 | 228,687 | 211,582 | RCOA5310 |
| Total capital | 3,284,018 | 3,279,304 | 3,354,702 | 3,001,217 | 3,037,250 | 2,909,335 | RCOA3792 |
| Total risk-weighted assets | 25,123,655 | 24,684,697 | 24,786,180 | 20,712,343 | 20,537,665 | 20,283,486 | RCOAA223 |
| Average total assets for the leverage ratio | 29,858,285 | 29,586,717 | 28,133,952 | 24,745,006 | 24,415,580 | 24,551,342 | 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 | $251.0M | $24.1M | 9.60% | 0.10% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $5.16B | $935.7M | 18.12% | 3.72% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $6.43B | $3.23B | 50.17% | 12.84% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $19.7M | $29.6M | 150.00% | 0.12% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $69.3M | $104.0M | 150.00% | 0.41% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $16.75B | $16.61B | 99.17% | 66.12% | RC-R Part II, item 4.d, 5.d |
| All other assets | $1.61B | $1.98B | 122.95% | 7.87% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $2.08B | $2.08B | 99.99% | 8.27% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $157.8M | $104.7M | 66.38% | 0.42% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $33.4M | NA | 0.13% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $25.09B | ties to item 31 ($25.09B) |
|---|---|---|
| Risk-weighted assets before deductions | $25.12B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $25.12B | 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 | 12.07% | 12.07% | 13.07% | 10.15% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 12.29% | 12.29% | 13.28% | 10.25% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 12.41% | 12.41% | 13.53% | 10.93% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 13.36% | 13.36% | 14.49% | 11.19% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 13.68% | 13.68% | 14.79% | 11.50% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 13.30% | 13.30% | 14.34% | 10.99% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 14.77% | 14.77% | 15.82% | 11.68% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 14.56% | 14.56% | 15.62% | 11.85% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 17.78% | 17.78% | 18.80% | 13.58% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 17.71% | 17.71% | 18.69% | 13.66% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 17.77% | 17.77% | 18.78% | 13.39% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 15.40% | 15.40% | 16.43% | 11.79% | 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 |
|---|---|---|---|---|---|---|
| Eastern Bank (this bank) | Risk-based | 12.07% | 12.07% | 13.07% | 10.15% | |
| Glacier Bank | $31.58B | Risk-based | 12.99% | 12.99% | 14.21% | 10.10% |
| BNY Mellon, N.A. | $30.62B | Risk-based | 15.96% | 15.96% | 17.86% | 6.52% |
| TD Bank USA, N.A. | $32.13B | Risk-based | 31.20% | 31.20% | 32.53% | 11.56% |
| Fulton Bank, N.A. | $32.56B | Risk-based | 13.03% | 13.21% | 14.46% | 10.20% |
| City National Bank of Florida | $29.11B | Risk-based | 14.65% | 14.65% | 15.75% | 11.38% |
| United Community Bank | $28.99B | Risk-based | 12.09% | 12.09% | 12.93% | 9.52% |
| Axos Bank | $28.87B | Risk-based | 10.93% | 10.93% | 12.10% | 9.24% |
| Texas Capital Bank | $33.62B | Risk-based | 12.35% | 12.35% | 13.53% | 10.67% |
| United Bank | $33.64B | Risk-based | 13.69% | 13.69% | 14.91% | 11.60% |
| Peer 25th percentile | 12.35% | 12.35% | 13.53% | 9.52% | ||
| Peer median | 13.03% | 13.21% | 14.46% | 10.20% | ||
| Peer 75th percentile | 14.65% | 14.65% | 15.75% | 11.38% | ||
| This bank's percentile | 11 | 11 | 22 | 44 |
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/128904/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.