Habib American 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 60.7% higher than in Q1 2026, at -$533K. Habib American Bank ranks 68th of 82 New York banks on CET1 ratio, in the lower half at 12.79% (Q2 2026). Habib American Bank reported 12.79% on CET1 ratio for Q2 2026, 0.69 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.79% |
| Tier 1 risk-based capital ratio | 12.79% |
| Total risk-based capital ratio | 14.03% |
| Tier 1 leverage ratio | 8.49% |
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 | $250.2M |
| Tier 1 capital | $250.2M |
| Total risk-based capital | $274.5M |
| Total equity capital | $252.2M |
| Risk-weighted assets | $1.96B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.89% |
| Tangible equity to tangible assets | 8.80% |
| Equity capital to average assets | 8.56% |
| Internal capital growth rate | 0.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $1.0M |
| Retained earnings | $246.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$533K |
| 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 | 14.82% | 14.82% | 16.07% | 8.99% | $1.48B |
| Q4 2023 | 14.79% | 14.79% | 16.04% | 9.45% | $1.51B |
| Q1 2024 | 14.66% | 14.66% | 15.91% | 9.56% | $1.55B |
| Q2 2024 | 13.80% | 13.80% | 15.05% | 9.14% | $1.60B |
| Q3 2024 | 13.82% | 13.82% | 15.07% | 7.80% | $1.63B |
| Q4 2024 | 13.72% | 13.72% | 14.97% | 9.01% | $1.67B |
| Q1 2025 | 13.85% | 13.85% | 15.10% | 8.97% | $1.69B |
| Q2 2025 | 13.30% | 13.30% | 14.55% | 8.10% | $1.75B |
| Q3 2025 | 13.37% | 13.37% | 14.62% | 8.40% | $1.78B |
| Q4 2025 | 12.93% | 12.93% | 14.18% | 8.62% | $1.88B |
| Q1 2026 | 13.12% | 13.12% | 14.37% | 8.90% | $1.91B |
| Q2 2026 | 12.79% | 12.79% | 14.03% | 8.49% | $1.96B |
Habib American Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Habib American 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 Habib American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25093) · FFIEC NIC profile (RSSD 245016)