John Deere Financial, F.S.B.: 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%.
Equity capital to average assets dropped 5.27 percentage points in Q2 2026, from 24.63% to 19.36%. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 19.36% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $886.4M |
| Tier 1 capital | $886.4M |
| Total risk-based capital | — |
| Total equity capital | $886.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.96% |
| Tangible equity to tangible assets | 17.96% |
| Equity capital to average assets | 19.36% |
| Internal capital growth rate | 7.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $92.0M |
| Retained earnings | $792.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 15.33% | 14.84% | 14.84% |
| Q4 2023 | 17.05% | 21.30% | 21.30% |
| Q1 2024 | 23.56% | 21.33% | 21.33% |
| Q2 2024 | 19.05% | 17.20% | 17.20% |
| Q3 2024 | 17.35% | 17.02% | 17.02% |
| Q4 2024 | 19.59% | 24.07% | 24.07% |
| Q1 2025 | 23.37% | 20.85% | 20.85% |
| Q2 2025 | 18.65% | 17.20% | 17.20% |
| Q3 2025 | 16.26% | 16.08% | 16.08% |
| Q4 2025 | 19.04% | 24.19% | 24.19% |
| Q1 2026 | 24.63% | 21.17% | 21.17% |
| Q2 2026 | 19.36% | 17.96% | 17.96% |
John Deere Financial, F.S.B. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock John Deere Financial, F.S.B., 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 John Deere Financial, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35237) · FFIEC NIC profile (RSSD 2992547)