Preferred 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.
Compared with Q1 2026, Common equity Tier 1 capital rose 3.3% in Q2 2026 to $812.1M, the biggest move on this page. Preferred Bank has the 3rd lowest CET1 ratio of the 74 banks headquartered in California, at 11.06% as of Q2 2026. Preferred Bank reported 11.06% on CET1 ratio for Q2 2026, 2.43 points below 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 | 11.06% |
| Tier 1 risk-based capital ratio | 11.06% |
| Total risk-based capital ratio | 13.74% |
| Tier 1 leverage ratio | 10.55% |
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 | $812.1M |
| Tier 1 capital | $812.1M |
| Total risk-based capital | $1.01B |
| Total equity capital | $793.5M |
| Risk-weighted assets | $7.34B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.26% |
| Tangible equity to tangible assets | 10.26% |
| Equity capital to average assets | 10.31% |
| Internal capital growth rate | 12.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $206.6M |
| Common stock surplus | $115.2M |
| Retained earnings | $826.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$20.0M |
| Subordinated notes and debentures | $148.8M |
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 | 11.60% | 11.60% | 15.27% | 10.46% | $6.10B |
| Q4 2023 | 11.57% | 11.57% | 15.18% | 10.85% | $6.27B |
| Q1 2024 | 11.50% | 11.50% | 15.08% | 10.80% | $6.35B |
| Q2 2024 | 11.52% | 11.52% | 14.93% | 10.89% | $6.53B |
| Q3 2024 | 11.66% | 11.66% | 15.06% | 11.28% | $6.63B |
| Q4 2024 | 11.80% | 11.80% | 15.11% | 11.33% | $6.69B |
| Q1 2025 | 11.86% | 11.86% | 15.15% | 11.52% | $6.74B |
| Q2 2025 | 11.18% | 11.18% | 14.43% | 10.73% | $6.87B |
| Q3 2025 | 11.34% | 11.34% | 14.56% | 10.66% | $6.97B |
| Q4 2025 | 11.26% | 11.26% | 14.47% | 10.54% | $7.12B |
| Q1 2026 | 10.87% | 10.87% | 13.98% | 10.37% | $7.23B |
| Q2 2026 | 11.06% | 11.06% | 13.74% | 10.55% | $7.34B |
Preferred Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Preferred 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 Preferred Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33539) · FFIEC NIC profile (RSSD 1918344)