SMBC Manubank: 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 Total risk-based capital ratio: 8.54 percentage points higher than in Q1 2026, at 24.05%. SMBC Manubank ranks 13th of 74 California banks on CET1 ratio, in the upper half at 23.92% (Q2 2026). Against a median of 13.49% for banks in the $1B-10B asset tier, SMBC Manubank reported 23.92% on CET1 ratio in Q2 2026, 10.43 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.92% |
| Tier 1 risk-based capital ratio | 23.92% |
| Total risk-based capital ratio | 24.05% |
| Tier 1 leverage ratio | 9.63% |
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 | $725.8M |
| Tier 1 capital | $725.8M |
| Total risk-based capital | $729.6M |
| Total equity capital | $756.2M |
| Risk-weighted assets | $3.03B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.46% |
| Tangible equity to tangible assets | 11.46% |
| Equity capital to average assets | 9.99% |
| Internal capital growth rate | 0.77% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.03B |
| Common stock surplus | $78.7M |
| Retained earnings | -$350.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.5M |
| 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 | 19.05% | 19.05% | 20.30% | 16.07% | $3.96B |
| Q4 2023 | 22.14% | 22.14% | 23.40% | 14.99% | $3.70B |
| Q1 2024 | 19.88% | 19.88% | 21.16% | 14.13% | $3.92B |
| Q2 2024 | 17.00% | 17.00% | 18.28% | 13.66% | $4.30B |
| Q3 2024 | 14.81% | 14.81% | 16.10% | 11.93% | $4.55B |
| Q4 2024 | 22.34% | 22.34% | 23.63% | 17.76% | $4.69B |
| Q1 2025 | 21.09% | 21.09% | 22.38% | 15.45% | $4.80B |
| Q2 2025 | 19.22% | 19.22% | 20.51% | 13.66% | $5.00B |
| Q3 2025 | 18.28% | 18.28% | 19.57% | 13.13% | $4.99B |
| Q4 2025 | 17.27% | 17.27% | 18.45% | 11.78% | $5.11B |
| Q1 2026 | 15.42% | 15.42% | 15.51% | 9.64% | $4.81B |
| Q2 2026 | 23.92% | 23.92% | 24.05% | 9.63% | $3.03B |
SMBC Manubank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock SMBC Manubank, 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 SMBC Manubank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18618) · FFIEC NIC profile (RSSD 930965)