Popular 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 average assets, which rose 0.27 percentage points to 14.34%. Within New York, Popular Bank is 53rd of 82 on CET1 ratio, 14.32% as of Q2 2026. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Popular Bank sits 1.37 points higher, at 14.32% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.32% |
| Tier 1 risk-based capital ratio | 14.32% |
| Total risk-based capital ratio | 15.14% |
| Tier 1 leverage ratio | 11.80% |
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 | $1.72B |
| Tier 1 capital | $1.72B |
| Total risk-based capital | $1.82B |
| Total equity capital | $2.16B |
| Risk-weighted assets | $12.00B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.37% |
| Tangible equity to tangible assets | 12.30% |
| Equity capital to average assets | 14.34% |
| Internal capital growth rate | 6.88% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $40.0M |
| Common stock surplus | $2.44B |
| Retained earnings | -$257.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$58.9M |
| 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 | 14.22% | 14.22% | 14.84% | 11.62% | $9.98B |
| Q4 2023 | 13.75% | 13.75% | 14.38% | 11.23% | $10.37B |
| Q1 2024 | 13.24% | 13.24% | 14.05% | 10.34% | $10.40B |
| Q2 2024 | 13.38% | 13.38% | 14.09% | 10.39% | $10.45B |
| Q3 2024 | 13.75% | 13.75% | 14.38% | 10.44% | $10.47B |
| Q4 2024 | 13.35% | 13.35% | 13.93% | 10.64% | $10.95B |
| Q1 2025 | 13.75% | 13.75% | 14.56% | 10.95% | $11.13B |
| Q2 2025 | 13.65% | 13.65% | 14.49% | 10.96% | $11.40B |
| Q3 2025 | 13.67% | 13.67% | 14.49% | 11.01% | $11.64B |
| Q4 2025 | 13.79% | 13.79% | 14.60% | 11.26% | $11.83B |
| Q1 2026 | 14.24% | 14.24% | 15.07% | 11.48% | $11.77B |
| Q2 2026 | 14.32% | 14.32% | 15.14% | 11.80% | $12.00B |
Popular Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Popular 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 Popular Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34967) · FFIEC NIC profile (RSSD 2736291)