Safra National Bank of New York: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 16.08% (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: 16.08% (RCFAH311).
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 23.40% +16.90 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 | $1.06B | 1,064,701 | RCFAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.55B | 4,550,750 | RCFAA223 |
| Recomputed ratio | 23.40% | numerator / denominator | |
| Filed ratio | 23.40% | RCFAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +16.90 pp | $768.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 23.40% +15.40 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 | $1.06B | 1,064,701 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.55B | 4,550,750 | RCFAA223 |
| Recomputed ratio | 23.40% | numerator / denominator | |
| Filed ratio | 23.40% | RCFA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +15.40 pp | $700.6M | capital that could be lost first |
Total risk-based capital ratio 24.08% +14.08 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 | $1.10B | 1,096,015 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $4.55B | 4,550,750 | RCFAA223 |
| Recomputed ratio | 24.08% | numerator / denominator | |
| Filed ratio | 24.08% | RCFA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +14.08 pp | $640.9M | capital that could be lost first |
Tier 1 leverage ratio 8.56% +3.56 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 | $1.06B | 1,064,701 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $12.44B | 12,436,087 | RCFAA224 |
| Recomputed ratio | 8.56% | numerator / denominator | |
| Filed ratio | 8.56% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.56 pp | $442.9M | 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 | 380,624 | 380,624 | 380,624 | 380,624 | 380,624 | 380,624 | RCFAP742 |
| Retained earnings | 987,428 | 954,275 | 925,475 | 954,542 | 925,411 | 911,365 | RCFAKW00 |
| Accumulated other comprehensive income | (14,585) | 395 | 23,767 | 9,119 | (3,299) | 785 | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,353,467 | 1,335,294 | 1,329,866 | 1,344,285 | 1,302,736 | 1,292,774 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | (288,766) | (287,586) | (296,896) | (266,667) | (243,121) | (239,388) | P859 - P840 |
| Common equity Tier 1 capital | 1,064,701 | 1,047,708 | 1,032,970 | 1,077,618 | 1,059,615 | 1,053,386 | RCFAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP865 |
| Tier 1 capital | 1,064,701 | 1,047,708 | 1,032,970 | 1,077,618 | 1,059,615 | 1,053,386 | RCFA8274 |
| Tier 2 capital | 31,314 | 28,601 | 28,324 | 26,618 | 27,130 | 26,077 | RCFA5311 |
| Allowance includable in Tier 2 capital | 31,314 | 28,601 | 28,324 | 26,618 | 27,130 | 26,077 | RCFA5310 |
| Total capital | 1,096,015 | 1,076,309 | 1,061,294 | 1,104,236 | 1,086,745 | 1,079,463 | RCFA3792 |
| Total risk-weighted assets | 4,550,750 | 4,451,446 | 4,625,779 | 4,498,958 | 4,086,974 | 4,021,754 | RCFAA223 |
| Average total assets for the leverage ratio | 12,436,087 | 11,986,246 | 12,123,295 | 11,089,875 | 10,690,552 | 11,007,564 | RCFAA224 |
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 | $4.43B | $28.4M | 0.64% | 0.63% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $6.60B | $257.4M | 3.90% | 5.66% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $20.6M | $10.3M | 50.00% | 0.23% | RC-R Part II, item 4.a, 5.a |
| Loans: all other | $3.65B | $3.14B | 86.01% | 69.00% | RC-R Part II, item 4.d, 5.d |
| All other assets | $923.8M | $843.5M | 91.30% | 18.54% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $213.9M | $203.8M | 95.26% | 4.48% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $297.4M | $65.3M | 21.97% | 1.44% | RC-R Part II, item 20, 21 |
| Unsettled transactions | $2.0M | $2.0M | 100.00% | 0.04% | RC-R Part II, item 22 |
| Market risk and other approaches | NA | -$200 | 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 | $4.55B | ties to item 31 ($4.55B) |
|---|---|---|
| Risk-weighted assets before deductions | $4.55B | RCFDB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $4.55B | RCFDG641, 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 | 23.40% | 23.40% | 24.08% | 8.56% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 23.54% | 23.54% | 24.18% | 8.74% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 22.33% | 22.33% | 22.94% | 8.52% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 23.95% | 23.95% | 24.54% | 9.72% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 25.93% | 25.93% | 26.59% | 9.91% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 26.19% | 26.19% | 26.84% | 9.57% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 23.76% | 23.76% | 24.39% | 9.52% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 27.82% | 27.82% | 28.46% | 10.58% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 27.23% | 27.23% | 27.88% | 10.79% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 27.82% | 27.82% | 28.45% | 10.41% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 26.02% | 26.02% | 26.63% | 10.25% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 23.21% | 23.21% | 24.46% | 10.20% | 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 |
|---|---|---|---|---|---|---|
| Safra National Bank of New York (this bank) | Risk-based | 23.40% | 23.40% | 24.08% | 8.56% | |
| Sunflower Bank, N.A. | $15.65B | Risk-based | 12.98% | 12.98% | 13.69% | 10.27% |
| Live Oak Banking Company | $15.96B | Risk-based | 10.46% | 10.46% | 11.72% | 7.99% |
| Nicolet National Bank | $15.39B | Risk-based | 11.08% | 11.08% | 12.20% | 9.64% |
| NBT Bank, N.A. | $16.09B | Risk-based | 11.80% | 11.80% | 12.89% | 9.49% |
| First Financial Bank | $15.23B | Risk-based | 18.36% | 18.36% | 19.59% | 11.61% |
| Bell Bank | $15.18B | Risk-based | 11.33% | 11.33% | 12.42% | 9.98% |
| Dime Commercial Bank | $15.03B | Risk-based | 14.76% | 14.76% | 15.77% | 10.67% |
| Popular Bank | $15.03B | Risk-based | 14.32% | 14.32% | 15.14% | 11.80% |
| Bank of America California, N.A. | $14.81B | Risk-based | 39.00% | 39.00% | 39.28% | 12.41% |
| Peer 25th percentile | 11.33% | 11.33% | 12.42% | 9.64% | ||
| Peer median | 12.98% | 12.98% | 13.69% | 10.27% | ||
| Peer 75th percentile | 14.76% | 14.76% | 15.77% | 11.61% | ||
| This bank's percentile | 89 | 89 | 89 | 11 |
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/918918/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.