Green Dot Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 24.43% (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: 24.43% (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 31.97% +25.47 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 | $493.8M | 493,805 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.54B | 1,544,586 | RCOAA223 |
| Recomputed ratio | 31.97% | numerator / denominator | |
| Filed ratio | 31.97% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +25.47 pp | $393.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 31.97% +23.97 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 | $493.8M | 493,805 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.54B | 1,544,586 | RCOAA223 |
| Recomputed ratio | 31.97% | numerator / denominator | |
| Filed ratio | 31.97% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +23.97 pp | $370.2M | capital that could be lost first |
Total risk-based capital ratio 32.43% +22.43 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 | $500.9M | 500,850 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.54B | 1,544,586 | RCOAA223 |
| Recomputed ratio | 32.43% | numerator / denominator | |
| Filed ratio | 32.43% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +22.43 pp | $346.4M | capital that could be lost first |
Tier 1 leverage ratio 8.59% +3.59 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 | $493.8M | 493,805 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $5.75B | 5,749,867 | RCOAA224 |
| Recomputed ratio | 8.59% | numerator / denominator | |
| Filed ratio | 8.59% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.59 pp | $206.3M | 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 | 151,644 | 151,561 | 151,560 | 151,371 | 151,262 | 151,073 | RCOAP742 |
| Retained earnings | 353,075 | 333,963 | 308,696 | 286,252 | 266,413 | 248,462 | RCOAKW00 |
| Accumulated other comprehensive income | (187,818) | (185,650) | (181,617) | (199,705) | (217,598) | (229,609) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 316,901 | 299,874 | 278,639 | 237,918 | 200,077 | 169,926 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 176,904 | 174,729 | 170,689 | 188,770 | 206,655 | 218,659 | P859 - P840 |
| Common equity Tier 1 capital | 493,805 | 474,603 | 449,328 | 426,688 | 406,732 | 388,585 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 493,805 | 474,603 | 449,328 | 426,688 | 406,732 | 388,585 | RCOA8274 |
| Tier 2 capital | 7,045 | 7,163 | 7,629 | 8,188 | 7,699 | 6,805 | RCOA5311 |
| Allowance includable in Tier 2 capital | 7,045 | 7,163 | 7,629 | 8,188 | 7,699 | 6,805 | RCOA5310 |
| Total capital | 500,850 | 481,766 | 456,957 | 434,876 | 414,431 | 395,390 | RCOA3792 |
| Total risk-weighted assets | 1,544,586 | 1,514,085 | 1,510,530 | 1,263,955 | 1,161,901 | 1,329,236 | RCOAA223 |
| Average total assets for the leverage ratio | 5,749,867 | 5,577,305 | 5,366,065 | 5,258,736 | 5,279,312 | 5,143,829 | 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 | $1.32B | $37.5M | 2.85% | 2.43% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $2.93B | $402.7M | 13.76% | 26.07% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $393K | $196K | 50.00% | 0.01% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $1.5M | $515K | 35.42% | 0.03% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $39.0M | $32.7M | 83.84% | 2.12% | RC-R Part II, item 4.d, 5.d |
| All other assets | $1.01B | $991.5M | 98.62% | 64.19% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.1M | $216K | 20.00% | 0.01% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $79.2M | NA | 5.13% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.47B | ties to item 31 ($1.47B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.54B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.54B | 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 | 31.97% | 31.97% | 32.43% | 8.59% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 31.35% | 31.35% | 31.82% | 8.51% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 29.75% | 29.75% | 30.25% | 8.37% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 33.76% | 33.76% | 34.41% | 8.11% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 35.01% | 35.01% | 35.67% | 7.70% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 29.23% | 29.23% | 29.75% | 7.55% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 28.23% | 28.23% | 28.81% | 7.29% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 29.62% | 29.62% | 30.28% | 7.46% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 23.60% | 23.60% | 24.07% | 8.09% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 24.42% | 24.42% | 24.91% | 8.33% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 27.80% | 27.80% | 28.38% | 9.83% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 29.93% | 29.93% | 30.76% | 10.43% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Green Dot Bank (this bank) | Risk-based | 31.97% | 31.97% | 32.43% | 8.59% | |
| Peoples Security Bank and Trust Company | $5.43B | Risk-based | 12.75% | 12.75% | 13.74% | 10.46% |
| Coastal Community Bank | $5.45B | Risk-based | 10.97% | 10.97% | 12.27% | 9.13% |
| Broadway National Bank | $5.42B | Risk-based | 16.72% | 16.72% | 17.73% | 10.93% |
| Stride Bank, N.A. | $5.42B | Risk-based | 18.76% | 18.76% | 19.84% | 8.37% |
| The Canandaigua National Bank and Trust Company | $5.41B | Risk-based | 12.34% | 12.34% | 13.38% | 9.01% |
| City Bank | $5.39B | Risk-based | 13.39% | 13.39% | 14.50% | 10.79% |
| Northfield Bank | $5.50B | CBLR | NA | NA | NA | 13.13% |
| The American National Bank of Texas | $5.51B | Risk-based | 12.30% | 12.30% | 13.55% | 8.84% |
| Bridgewater Bank | $5.38B | Risk-based | 12.73% | 12.73% | 13.98% | 11.65% |
| Five Star Bank | $5.38B | Risk-based | 11.11% | 11.11% | 12.12% | 10.25% |
| Peer 25th percentile | 12.30% | 12.30% | 13.38% | 9.04% | ||
| Peer median | 12.73% | 12.73% | 13.74% | 10.36% | ||
| Peer 75th percentile | 13.39% | 13.39% | 14.50% | 10.89% | ||
| This bank's percentile | 100 | 100 | 100 | 10 |
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/243375/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.