Signature Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 7.32% (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: 7.32% (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 14.27% +7.77 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 | $162.3M | 162,319 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.14B | 1,137,184 | RCOAA223 |
| Recomputed ratio | 14.27% | numerator / denominator | |
| Filed ratio | 14.27% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.77 pp | $88.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.27% +6.27 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 | $162.3M | 162,319 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.14B | 1,137,184 | RCOAA223 |
| Recomputed ratio | 14.27% | numerator / denominator | |
| Filed ratio | 14.27% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.27 pp | $71.3M | capital that could be lost first |
Total risk-based capital ratio 15.32% +5.32 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 | $174.2M | 174,166 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.14B | 1,137,184 | RCOAA223 |
| Recomputed ratio | 15.32% | numerator / denominator | |
| Filed ratio | 15.32% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +5.32 pp | $60.4M | capital that could be lost first |
Tier 1 leverage ratio 12.44% +7.44 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 | $162.3M | 162,319 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.30B | 1,304,668 | RCOAA224 |
| Recomputed ratio | 12.44% | numerator / denominator | |
| Filed ratio | 12.44% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +7.44 pp | $97.1M | 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 | 29,250 | 29,250 | 29,250 | 29,250 | 29,250 | 29,250 | RCOAP742 |
| Retained earnings | 133,069 | 130,222 | 128,263 | 124,425 | 122,046 | 120,883 | RCOAKW00 |
| Accumulated other comprehensive income | (426) | (197) | (28) | (1,051) | (1,821) | (2,774) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 161,893 | 159,275 | 157,485 | 152,624 | 149,475 | 147,359 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 426 | 197 | 28 | 1,051 | 1,821 | 2,774 | P859 - P840 |
| Common equity Tier 1 capital | 162,319 | 159,472 | 157,513 | 153,675 | 151,296 | 150,133 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 162,319 | 159,472 | 157,513 | 153,675 | 151,296 | 150,133 | RCOA8274 |
| Tier 2 capital | 11,847 | 11,699 | 11,343 | 10,887 | 10,703 | 10,140 | RCOA5311 |
| Allowance includable in Tier 2 capital | 11,847 | 11,699 | 11,343 | 10,887 | 10,703 | 10,140 | RCOA5310 |
| Total capital | 174,166 | 171,171 | 168,856 | 164,562 | 161,999 | 160,273 | RCOA3792 |
| Total risk-weighted assets | 1,137,184 | 1,100,160 | 1,074,960 | 1,087,203 | 1,071,005 | 1,066,380 | RCOAA223 |
| Average total assets for the leverage ratio | 1,304,668 | 1,285,361 | 1,331,132 | 1,279,748 | 1,258,882 | 1,264,652 | 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 | $183.2M | $2.4M | 1.33% | 0.21% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $84.5M | $2.3M | 2.68% | 0.20% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $145.4M | $73.9M | 50.82% | 6.50% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $13.9M | $20.9M | 150.00% | 1.84% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $8.7M | $8.7M | 100.00% | 0.76% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $867.8M | $865.4M | 99.72% | 76.10% | RC-R Part II, item 4.d, 5.d |
| All other assets | $18.1M | $15.2M | 84.29% | 1.34% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $148.4M | $148.4M | 99.98% | 13.05% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $53K | $53K | 100.00% | 0.00% | 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 | $1.14B | ties to item 31 ($1.14B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.14B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.14B | 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 | 14.27% | 14.27% | 15.32% | 12.44% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 14.50% | 14.50% | 15.56% | 12.41% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 14.65% | 14.65% | 15.71% | 11.83% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 14.13% | 14.13% | 15.14% | 12.01% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 14.13% | 14.13% | 15.13% | 12.02% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 14.08% | 14.08% | 15.03% | 11.87% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.71% | 13.71% | 14.96% | 11.68% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.85% | 13.85% | 15.11% | 11.90% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 13.54% | 13.54% | 14.80% | 11.78% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.63% | 13.63% | 14.88% | 11.40% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.71% | 13.71% | 14.96% | 11.28% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.78% | 13.78% | 14.97% | 11.43% | 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, N.A. (this bank) | Risk-based | 14.27% | 14.27% | 15.32% | 12.44% | |
| Genesee Regional Bank | $1.31B | CBLR | NA | NA | NA | 10.97% |
| First Texas Bank | $1.31B | Risk-based | 20.48% | 20.48% | 20.89% | 11.25% |
| Webster Five Cents Savings Bank | $1.31B | CBLR | NA | NA | NA | 12.52% |
| Fidelity Co-Operative Bank | $1.31B | CBLR | NA | NA | NA | 9.86% |
| HNB National Bank | $1.31B | CBLR | NA | NA | NA | 9.72% |
| Farmers State Bank | $1.31B | CBLR | NA | NA | NA | 10.75% |
| Piedmont Federal Savings Bank | $1.32B | CBLR | NA | NA | NA | 18.60% |
| First Capital Bank | $1.32B | CBLR | NA | NA | NA | 9.58% |
| Greene County Commercial Bank | $1.32B | Risk-based | 51.28% | 51.28% | 51.28% | 10.05% |
| Peer 25th percentile | 28.18% | 28.18% | 28.48% | 9.86% | ||
| Peer median | 35.88% | 35.88% | 36.08% | 10.75% | ||
| Peer 75th percentile | 43.58% | 43.58% | 43.68% | 11.25% | ||
| This bank's percentile | 0 | 0 | 0 | 78 |
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/3076604/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.