Green Dot 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.71 percentage points to 5.82%. Green Dot Bank ranks 5th of 28 Utah banks on CET1 ratio, in the upper half at 31.97% (Q2 2026). Green Dot Bank's CET1 ratio of 31.97% is well above the 13.49% median for banks in the $1B-10B asset tier, a gap of 18.48 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 31.97% |
| Tier 1 risk-based capital ratio | 31.97% |
| Total risk-based capital ratio | 32.43% |
| Tier 1 leverage ratio | 8.59% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $493.8M |
| Tier 1 capital | $493.8M |
| Total risk-based capital | $500.9M |
| Total equity capital | $316.9M |
| Risk-weighted assets | $1.54B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.82% |
| Tangible equity to tangible assets | 5.63% |
| Equity capital to average assets | 5.50% |
| Internal capital growth rate | 25.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $151.6M |
| Retained earnings | $353.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$187.8M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 29.93% | 29.93% | 30.76% | 10.43% | $1.37B |
| Q4 2023 | 27.80% | 27.80% | 28.38% | 9.83% | $1.46B |
| Q1 2024 | 24.42% | 24.42% | 24.91% | 8.33% | $1.48B |
| Q2 2024 | 23.60% | 23.60% | 24.07% | 8.09% | $1.55B |
| Q3 2024 | 29.62% | 29.62% | 30.28% | 7.46% | $1.18B |
| Q4 2024 | 28.23% | 28.23% | 28.81% | 7.29% | $1.28B |
| Q1 2025 | 29.23% | 29.23% | 29.75% | 7.55% | $1.33B |
| Q2 2025 | 35.01% | 35.01% | 35.67% | 7.70% | $1.16B |
| Q3 2025 | 33.76% | 33.76% | 34.41% | 8.11% | $1.26B |
| Q4 2025 | 29.75% | 29.75% | 30.25% | 8.37% | $1.51B |
| Q1 2026 | 31.35% | 31.35% | 31.82% | 8.51% | $1.51B |
| Q2 2026 | 31.97% | 31.97% | 32.43% | 8.59% | $1.54B |
Green Dot Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Green Dot 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 Green Dot Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22653) · FFIEC NIC profile (RSSD 243375)