Popular Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.14% (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: 7.14% (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 14.32% +7.82 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 | $1.72B | 1,718,454 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $12.00B | 11,996,950 | RCOAA223 |
| Recomputed ratio | 14.32% | numerator / denominator | |
| Filed ratio | 14.32% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.82 pp | $938.7M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.32% +6.32 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 | $1.72B | 1,718,454 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $12.00B | 11,996,950 | RCOAA223 |
| Recomputed ratio | 14.32% | numerator / denominator | |
| Filed ratio | 14.32% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.32 pp | $758.7M | capital that could be lost first |
Total risk-based capital ratio 15.14% +5.14 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 | $1.82B | 1,816,201 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $12.00B | 11,996,950 | RCOAA223 |
| Recomputed ratio | 15.14% | numerator / denominator | |
| Filed ratio | 15.14% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.14 pp | $616.5M | capital that could be lost first |
Tier 1 leverage ratio 11.80% +6.80 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 | $1.72B | 1,718,454 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $14.56B | 14,560,396 | RCOAA224 |
| Recomputed ratio | 11.80% | numerator / denominator | |
| Filed ratio | 11.80% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.80 pp | $990.4M | 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 | 2,476,050 | 2,475,972 | 2,475,886 | 2,475,816 | 2,475,958 | 2,475,918 | RCOAP742 |
| Retained earnings | (257,019) | (293,605) | (330,571) | (363,108) | (380,910) | (403,516) | RCOAKW00 |
| Accumulated other comprehensive income | (58,913) | (56,435) | (53,683) | (56,555) | (60,800) | (63,332) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 2,160,118 | 2,125,932 | 2,091,632 | 2,056,153 | 2,034,248 | 2,009,070 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (441,664) | (450,079) | (459,825) | (466,125) | (477,563) | (479,425) | P859 - P840 |
| Common equity Tier 1 capital | 1,718,454 | 1,675,853 | 1,631,807 | 1,590,028 | 1,556,685 | 1,529,645 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 1,718,454 | 1,675,853 | 1,631,807 | 1,590,028 | 1,556,685 | 1,529,645 | RCOA8274 |
| Tier 2 capital | 97,747 | 97,360 | 96,010 | 96,127 | 95,543 | 91,048 | RCOA5311 |
| Allowance includable in Tier 2 capital | 97,747 | 97,360 | 96,010 | 96,127 | 95,543 | 91,048 | RCOA5310 |
| Total capital | 1,816,201 | 1,773,213 | 1,727,817 | 1,686,155 | 1,652,228 | 1,620,693 | RCOA3792 |
| Total risk-weighted assets | 11,996,950 | 11,768,221 | 11,833,508 | 11,635,554 | 11,404,292 | 11,128,071 | RCOAA223 |
| Average total assets for the leverage ratio | 14,560,396 | 14,602,096 | 14,498,434 | 14,442,286 | 14,200,210 | 13,966,627 | 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 | $1.05B | $16.4M | 1.56% | 0.14% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.49B | $87.2M | 5.84% | 0.73% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $65.1M | $2.0M | 3.07% | 0.02% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $3.30B | $2.24B | 67.88% | 18.70% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $101.9M | $152.8M | 150.00% | 1.27% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $32.4M | $48.6M | 150.00% | 0.41% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $8.34B | $8.30B | 99.52% | 69.15% | RC-R Part II, item 4.d, 5.d |
| All other assets | $281.3M | $184.5M | 65.60% | 1.54% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $966.3M | $966.3M | 100.00% | 8.05% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $100 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $12.00B | ties to item 31 ($12.00B) |
|---|---|---|
| Risk-weighted assets before deductions | $12.00B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $12.00B | 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 | 14.32% | 14.32% | 15.14% | 11.80% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 14.24% | 14.24% | 15.07% | 11.48% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 13.79% | 13.79% | 14.60% | 11.26% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 13.67% | 13.67% | 14.49% | 11.01% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 13.65% | 13.65% | 14.49% | 10.96% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 13.75% | 13.75% | 14.56% | 10.95% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 13.35% | 13.35% | 13.93% | 10.64% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 13.75% | 13.75% | 14.38% | 10.44% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 13.38% | 13.38% | 14.09% | 10.39% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 13.24% | 13.24% | 14.05% | 10.34% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 13.75% | 13.75% | 14.38% | 11.23% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 14.22% | 14.22% | 14.84% | 11.62% | 12.66% | 12.67% | 13.78% | 9.78% |
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 |
|---|---|---|---|---|---|---|
| Popular Bank (this bank) | Risk-based | 14.32% | 14.32% | 15.14% | 11.80% | |
| Dime Commercial Bank | $15.03B | Risk-based | 14.76% | 14.76% | 15.77% | 10.67% |
| Bell Bank | $15.18B | Risk-based | 11.33% | 11.33% | 12.42% | 9.98% |
| First Financial Bank | $15.23B | Risk-based | 18.36% | 18.36% | 19.59% | 11.61% |
| Bank of America California, N.A. | $14.81B | Risk-based | 39.00% | 39.00% | 39.28% | 12.41% |
| Nicolet National Bank | $15.39B | Risk-based | 11.08% | 11.08% | 12.20% | 9.64% |
| Stifel Bank | $14.62B | Risk-based | 10.65% | 10.65% | 11.24% | 7.06% |
| Sunflower Bank, N.A. | $15.65B | Risk-based | 12.98% | 12.98% | 13.69% | 10.27% |
| ConnectOne Bank | $14.40B | Risk-based | 12.31% | 12.31% | 13.20% | 10.81% |
| Israel Discount Bank of New York | $14.39B | Risk-based | 14.38% | 14.38% | 15.27% | 11.01% |
| Safra National Bank of New York | $15.69B | Risk-based | 23.40% | 23.40% | 24.08% | 8.56% |
| Peer 25th percentile | 11.58% | 11.58% | 12.61% | 9.73% | ||
| Peer median | 13.68% | 13.68% | 14.48% | 10.47% | ||
| Peer 75th percentile | 17.46% | 17.46% | 18.63% | 10.96% | ||
| This bank's percentile | 50 | 50 | 50 | 90 |
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/2736291/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.