Ponce Bank, N.A.: 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 Risk-weighted assets: 8.3% higher than in Q1 2026, at $3.00B. Within New York, Ponce Bank, N.A. is 30th of 82 on CET1 ratio, 17.87% as of Q2 2026, above the middle of the field. Ponce Bank, N.A. reported 17.87% on CET1 ratio for Q2 2026, 4.38 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.87% |
| Tier 1 risk-based capital ratio | 17.87% |
| Total risk-based capital ratio | 18.88% |
| Tier 1 leverage ratio | 15.81% |
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 | $535.9M |
| Tier 1 capital | $535.9M |
| Total risk-based capital | $566.4M |
| Total equity capital | $525.3M |
| Risk-weighted assets | $3.00B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.07% |
| Tangible equity to tangible assets | 15.07% |
| Equity capital to average assets | 15.49% |
| Internal capital growth rate | 7.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $34K |
| Common stock surplus | $357.5M |
| Retained earnings | $188.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.7M |
| 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 | 23.85% | 23.85% | 25.10% | 17.51% | $1.94B |
| Q4 2023 | 22.05% | 22.05% | 23.30% | 17.49% | $2.11B |
| Q1 2024 | 21.54% | 21.54% | 22.79% | 16.26% | $2.18B |
| Q2 2024 | 21.24% | 21.24% | 22.47% | 16.70% | $2.23B |
| Q3 2024 | 20.45% | 20.45% | 21.61% | 16.19% | $2.34B |
| Q4 2024 | 20.40% | 20.40% | 21.47% | 15.81% | $2.36B |
| Q1 2025 | 20.35% | 20.35% | 21.38% | 15.61% | $2.40B |
| Q2 2025 | 20.15% | 20.15% | 21.22% | 15.99% | $2.46B |
| Q3 2025 | 20.66% | 20.66% | 21.79% | 16.08% | $2.44B |
| Q4 2025 | 20.53% | 20.53% | 21.63% | 16.12% | $2.51B |
| Q1 2026 | 18.97% | 18.97% | 20.00% | 16.09% | $2.77B |
| Q2 2026 | 17.87% | 17.87% | 18.88% | 15.81% | $3.00B |
Ponce Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ponce Bank, N.A., 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 Ponce Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31189) · FFIEC NIC profile (RSSD 897170)