Seattle 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 standout move of Q2 2026 was in Equity capital to total assets: 1.60 percentage points higher than in Q1 2026, at 10.54%. Within Washington, Seattle Bank is 7th of 21 on CET1 ratio, 13.25% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Seattle Bank sits 1.83 points lower, at 13.25% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.25% |
| Tier 1 risk-based capital ratio | 13.25% |
| Total risk-based capital ratio | 14.51% |
| Tier 1 leverage ratio | 10.29% |
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 | $92.7M |
| Tier 1 capital | $92.7M |
| Total risk-based capital | $101.5M |
| Total equity capital | $93.9M |
| Risk-weighted assets | $699.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.54% |
| Tangible equity to tangible assets | 10.35% |
| Equity capital to average assets | 10.40% |
| Internal capital growth rate | -1.88% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $95.6M |
| Common stock surplus | $0 |
| Retained earnings | -$1.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$599K |
| 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 | 17.54% | 17.54% | 18.81% | 12.71% | $582.1M |
| Q4 2023 | 17.83% | 17.83% | 19.13% | 12.57% | $584.2M |
| Q1 2024 | 17.44% | 17.44% | 18.74% | 11.59% | $587.2M |
| Q2 2024 | 16.56% | 16.56% | 17.86% | 11.26% | $611.9M |
| Q3 2024 | 15.72% | 15.72% | 17.00% | 10.69% | $650.0M |
| Q4 2024 | 14.43% | 14.43% | 15.71% | 10.54% | $701.3M |
| Q1 2025 | 14.67% | 14.67% | 15.94% | 10.37% | $660.5M |
| Q2 2025 | 12.21% | 12.21% | 13.47% | 10.10% | $783.0M |
| Q3 2025 | 12.03% | 12.03% | 13.29% | 9.27% | $791.2M |
| Q4 2025 | 12.55% | 12.55% | 13.81% | 9.30% | $754.9M |
| Q1 2026 | 14.83% | 14.83% | 16.10% | 9.15% | $632.4M |
| Q2 2026 | 13.25% | 13.25% | 14.51% | 10.29% | $699.3M |
Seattle Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Seattle 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 Seattle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35139) · FFIEC NIC profile (RSSD 2838207)