Signature Bank: Regulatory Capital and Risk-Weighted Assets
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As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.98% (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: 8.98% (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 16.08% +9.58 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 | $256.7M | 256,691 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.60B | 1,596,724 | RCOAA223 |
| Recomputed ratio | 16.08% | numerator / denominator | |
| Filed ratio | 16.08% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.58 pp | $152.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 16.08% +8.08 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 | $256.7M | 256,691 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.60B | 1,596,724 | RCOAA223 |
| Recomputed ratio | 16.08% | numerator / denominator | |
| Filed ratio | 16.08% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.08 pp | $129.0M | capital that could be lost first |
Total risk-based capital ratio 16.98% +6.98 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 | $271.1M | 271,097 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.60B | 1,596,724 | RCOAA223 |
| Recomputed ratio | 16.98% | numerator / denominator | |
| Filed ratio | 16.98% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.98 pp | $111.4M | capital that could be lost first |
Tier 1 leverage ratio 12.42% +7.42 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 | $256.7M | 256,691 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $2.07B | 2,066,778 | RCOAA224 |
| Recomputed ratio | 12.42% | numerator / denominator | |
| Filed ratio | 12.42% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.42 pp | $153.4M | 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 | 49,453 | 49,286 | 49,138 | 49,003 | 48,855 | 48,752 | RCOAP742 |
| Retained earnings | 207,238 | 214,358 | 206,562 | 197,242 | 187,728 | 178,582 | RCOAKW00 |
| Accumulated other comprehensive income | (41,508) | (41,239) | (40,642) | (43,251) | (45,175) | (47,494) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 215,183 | 222,405 | 215,058 | 202,994 | 191,408 | 179,840 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 41,508 | 41,239 | 40,642 | 43,251 | 45,175 | 47,494 | P859 - P840 |
| Common equity Tier 1 capital | 256,691 | 263,644 | 255,700 | 246,245 | 236,583 | 227,334 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 256,691 | 263,644 | 255,700 | 246,245 | 236,583 | 227,334 | RCOA8274 |
| Tier 2 capital | 14,406 | 15,735 | 13,944 | 13,767 | 14,369 | 13,803 | RCOA5311 |
| Allowance includable in Tier 2 capital | 14,406 | 15,735 | 13,944 | 13,767 | 14,369 | 13,803 | RCOA5310 |
| Total capital | 271,097 | 279,379 | 269,644 | 260,012 | 250,952 | 241,137 | RCOA3792 |
| Total risk-weighted assets | 1,596,724 | 1,638,266 | 1,568,102 | 1,545,544 | 1,473,810 | 1,474,067 | RCOAA223 |
| Average total assets for the leverage ratio | 2,066,778 | 1,966,621 | 2,099,590 | 2,001,767 | 1,976,717 | 2,081,907 | 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 | $335.7M | $3.7M | 1.12% | 0.23% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $411.4M | $38.3M | 9.31% | 2.40% | RC-R Part II, item 2.a, 2.b |
| Loans: past due and nonaccrual | $621K | $124K | 20.00% | 0.01% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $1.35B | $1.33B | 98.31% | 83.23% | RC-R Part II, item 4.d, 5.d |
| All other assets | $16.9M | $15.4M | 91.19% | 0.96% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $209.3M | $209.0M | 99.85% | 13.09% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $2.4M | $1.2M | 50.00% | 0.07% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $900 | 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 | $1.60B | ties to item 31 ($1.60B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.60B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.60B | 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 | 16.08% | 16.08% | 16.98% | 12.42% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 16.09% | 16.09% | 17.05% | 13.41% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 16.31% | 16.31% | 17.20% | 12.18% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 15.93% | 15.93% | 16.82% | 12.30% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 16.05% | 16.05% | 17.03% | 11.97% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 15.42% | 15.42% | 16.36% | 10.92% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 14.91% | 14.91% | 15.86% | 9.96% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 14.65% | 14.65% | 15.58% | 10.12% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 14.50% | 14.50% | 15.48% | 9.77% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.86% | 13.86% | 14.90% | 9.75% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.46% | 13.46% | 14.41% | 9.42% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.00% | 13.00% | 13.94% | 9.45% | 12.78% | 12.79% | 13.93% | 10.03% |
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 |
|---|---|---|---|---|---|---|
| Signature Bank (this bank) | Risk-based | 16.08% | 16.08% | 16.98% | 12.42% | |
| The Village Bank | $2.07B | Risk-based | 14.74% | 14.74% | 15.43% | 9.50% |
| American Commercial Bank & Trust, N.A. | $2.07B | CBLR | NA | NA | NA | 9.34% |
| One Florida Bank | $2.07B | Risk-based | 10.99% | 10.99% | 11.71% | 9.93% |
| First Bank | $2.07B | Risk-based | 12.87% | 12.87% | 13.91% | 9.44% |
| Gateway First Bank | $2.06B | Risk-based | 15.45% | 15.45% | 16.16% | 14.14% |
| Timberland Bank | $2.06B | Risk-based | 19.54% | 19.54% | 20.80% | 12.85% |
| Square Financial Services, Inc. | $2.06B | Risk-based | 95.99% | 95.99% | 97.31% | 65.19% |
| First United Bank & Trust | $2.05B | Risk-based | 13.96% | 13.96% | 15.22% | 11.56% |
| Peoples National Bank, N.A. | $2.08B | Risk-based | 9.75% | 9.75% | 10.93% | 9.26% |
| Peer 25th percentile | 12.40% | 12.40% | 13.36% | 9.44% | ||
| Peer median | 14.35% | 14.35% | 15.32% | 9.93% | ||
| Peer 75th percentile | 16.47% | 16.47% | 17.32% | 12.85% | ||
| This bank's percentile | 75 | 75 | 75 | 67 |
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/3437483/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.