Square Financial Services, Inc.: 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%.
The standout move of Q2 2026 was in Equity capital to average assets: 3.64 percentage points higher than in Q1 2026, at 65.17%. Square Financial Services, Inc. has the highest CET1 ratio of the 28 banks headquartered in Utah, 95.99% as of Q2 2026. Against a median of 13.49% for banks in the $1B-10B asset tier, Square Financial Services, Inc. reported 95.99% on CET1 ratio in Q2 2026, 82.49 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 95.99% |
| Tier 1 risk-based capital ratio | 95.99% |
| Total risk-based capital ratio | 97.31% |
| Tier 1 leverage ratio | 65.19% |
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 | $1.35B |
| Tier 1 capital | $1.35B |
| Total risk-based capital | $1.37B |
| Total equity capital | $1.35B |
| Risk-weighted assets | $1.41B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 65.80% |
| Tangible equity to tangible assets | 65.80% |
| Equity capital to average assets | 65.17% |
| Internal capital growth rate | 62.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $165.0M |
| Retained earnings | $1.19B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$304K |
| 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 | 127.66% | 127.66% | 128.96% | 61.59% | $284.0M |
| Q4 2023 | 124.83% | 124.83% | 126.13% | 64.75% | $328.1M |
| Q1 2024 | 133.20% | 133.20% | 134.50% | 67.32% | $339.6M |
| Q2 2024 | 147.87% | 147.87% | 149.17% | 67.49% | $339.1M |
| Q3 2024 | 154.34% | 154.34% | 155.64% | 66.20% | $355.1M |
| Q4 2024 | 124.51% | 124.51% | 125.80% | 64.75% | $475.4M |
| Q1 2025 | 121.21% | 121.21% | 122.51% | 67.20% | $533.7M |
| Q2 2025 | 107.45% | 107.45% | 108.74% | 62.39% | $671.2M |
| Q3 2025 | 99.28% | 99.28% | 100.57% | 61.65% | $851.3M |
| Q4 2025 | 95.10% | 95.10% | 96.42% | 60.58% | $1.04B |
| Q1 2026 | 99.84% | 99.84% | 101.16% | 61.54% | $1.16B |
| Q2 2026 | 95.99% | 95.99% | 97.31% | 65.19% | $1.41B |
Square Financial Services, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Square Financial Services, Inc., 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 Square Financial Services, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59177) · FFIEC NIC profile (RSSD 5582846)