Stifel Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.24% (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: 3.24% (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 10.65% +4.15 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 | $958.5M | 958,490 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $9.00B | 9,003,643 | RCOAA223 |
| Recomputed ratio | 10.65% | numerator / denominator | |
| Filed ratio | 10.65% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.15 pp | $373.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.65% +2.65 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 | $958.5M | 958,490 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $9.00B | 9,003,643 | RCOAA223 |
| Recomputed ratio | 10.65% | numerator / denominator | |
| Filed ratio | 10.65% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.65 pp | $238.2M | capital that could be lost first |
Total risk-based capital ratio 11.24% +1.24 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 | $1.01B | 1,012,079 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $9.00B | 9,003,643 | RCOAA223 |
| Recomputed ratio | 11.24% | numerator / denominator | |
| Filed ratio | 11.24% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.24 pp | $111.7M | capital that could be lost first |
Tier 1 leverage ratio 7.06% +2.06 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 | $958.5M | 958,490 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $13.57B | 13,573,747 | RCOAA224 |
| Recomputed ratio | 7.06% | numerator / denominator | |
| Filed ratio | 7.06% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +2.06 pp | $279.8M | 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 | 632,225 | 557,225 | 557,225 | 557,225 | 557,225 | 557,225 | RCOAP742 |
| Retained earnings | 326,265 | 282,050 | 297,601 | 270,232 | 253,423 | 222,984 | RCOAKW00 |
| Accumulated other comprehensive income | (44,613) | (44,880) | (42,036) | (44,900) | (50,017) | (54,477) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 913,877 | 794,395 | 812,790 | 782,557 | 760,631 | 725,732 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 44,613 | 44,880 | 42,036 | 44,900 | 50,017 | 54,477 | P859 - P840 |
| Common equity Tier 1 capital | 958,490 | 839,275 | 854,826 | 827,457 | 810,648 | 780,209 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 958,490 | 839,275 | 854,826 | 827,457 | 810,648 | 780,209 | RCOA8274 |
| Tier 2 capital | 53,589 | 47,762 | 50,482 | 50,773 | 49,223 | 47,286 | RCOA5311 |
| Allowance includable in Tier 2 capital | 53,589 | 47,762 | 50,482 | 50,773 | 49,223 | 47,286 | RCOA5310 |
| Total capital | 1,012,079 | 887,037 | 905,308 | 878,230 | 859,871 | 827,495 | RCOA3792 |
| Total risk-weighted assets | 9,003,643 | 7,179,043 | 7,221,337 | 6,761,301 | 6,643,960 | 5,963,456 | RCOAA223 |
| Average total assets for the leverage ratio | 13,573,747 | 11,927,666 | 12,029,129 | 11,615,810 | 11,372,500 | 10,965,527 | 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 | $558.9M | $7.6M | 1.36% | 0.08% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $787.3M | $320.2M | 40.67% | 3.56% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $1.18B | $588.6M | 50.00% | 6.54% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $5.6M | $8.4M | 150.00% | 0.09% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $6.63B | $5.95B | 89.73% | 66.06% | RC-R Part II, item 4.d, 5.d |
| All other assets | $169.9M | $168.4M | 99.10% | 1.87% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.31B | $1.31B | 100.00% | 14.49% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $98K | $20K | 20.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $657.4M | NA | 7.30% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $8.35B | ties to item 31 ($8.35B) |
|---|---|---|
| Risk-weighted assets before deductions | $9.00B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $9.00B | 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 | 10.65% | 10.65% | 11.24% | 7.06% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 11.69% | 11.69% | 12.36% | 7.04% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 11.84% | 11.84% | 12.54% | 7.11% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 12.24% | 12.24% | 12.99% | 7.12% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 12.20% | 12.20% | 12.94% | 7.13% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 13.08% | 13.08% | 13.88% | 7.12% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 12.98% | 12.98% | 13.73% | 7.09% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 13.56% | 13.56% | 14.29% | 7.09% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 13.11% | 13.11% | 13.81% | 7.13% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 14.80% | 14.80% | 15.47% | 7.16% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 11.91% | 11.91% | 12.50% | 7.16% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 14.62% | 14.62% | 15.30% | 7.08% | 12.66% | 12.67% | 13.78% | 9.78% |
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 |
|---|---|---|---|---|---|---|
| Stifel Bank (this bank) | Risk-based | 10.65% | 10.65% | 11.24% | 7.06% | |
| Bank of America California, N.A. | $14.81B | Risk-based | 39.00% | 39.00% | 39.28% | 12.41% |
| ConnectOne Bank | $14.40B | Risk-based | 12.31% | 12.31% | 13.20% | 10.81% |
| Israel Discount Bank of New York | $14.39B | Risk-based | 14.38% | 14.38% | 15.27% | 11.01% |
| Popular Bank | $15.03B | Risk-based | 14.32% | 14.32% | 15.14% | 11.80% |
| Dime Commercial Bank | $15.03B | Risk-based | 14.76% | 14.76% | 15.77% | 10.67% |
| NexBank | $14.16B | Risk-based | 14.92% | 14.92% | 15.39% | 9.07% |
| Bell Bank | $15.18B | Risk-based | 11.33% | 11.33% | 12.42% | 9.98% |
| First Financial Bank | $15.23B | Risk-based | 18.36% | 18.36% | 19.59% | 11.61% |
| Comenity Capital Bank | $13.86B | Risk-based | 12.52% | 14.24% | 17.65% | 12.84% |
| Nicolet National Bank | $15.39B | Risk-based | 11.08% | 11.08% | 12.20% | 9.64% |
| Peer 25th percentile | 12.36% | 12.79% | 13.68% | 10.15% | ||
| Peer median | 14.35% | 14.35% | 15.33% | 10.91% | ||
| Peer 75th percentile | 14.88% | 14.88% | 17.18% | 11.75% | ||
| This bank's percentile | 0 | 0 | 0 | 0 |
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/3076220/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.