Stifel Trust Company Delaware, N.A.: 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 Retained earnings: 35.1% lower than in Q1 2026, at $4.9M. Within Delaware, Stifel Trust Company Delaware, N.A. is 4th of 14 on CET1 ratio, 49.75% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, Stifel Trust Company Delaware, N.A. reported 49.75% on CET1 ratio in Q2 2026, 34.68 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 49.75% |
| Tier 1 risk-based capital ratio | 49.75% |
| Total risk-based capital ratio | 49.75% |
| Tier 1 leverage ratio | 11.44% |
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 | $38.9M |
| Tier 1 capital | $38.9M |
| Total risk-based capital | $38.9M |
| Total equity capital | $25.5M |
| Risk-weighted assets | $78.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.73% |
| Tangible equity to tangible assets | 7.73% |
| Equity capital to average assets | 7.50% |
| Internal capital growth rate | -37.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $31.0M |
| Retained earnings | $4.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$13.4M |
| 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 | 37.75% | 37.75% | 37.75% | 10.56% | $107.7M |
| Q4 2023 | 47.88% | 47.88% | 47.88% | 12.37% | $89.9M |
| Q1 2024 | 40.13% | 40.13% | 40.13% | 10.88% | $90.4M |
| Q2 2024 | 45.70% | 45.70% | 45.70% | 12.83% | $83.6M |
| Q3 2024 | 47.71% | 47.71% | 47.71% | 12.05% | $75.5M |
| Q4 2024 | 46.41% | 46.41% | 46.41% | 10.76% | $75.0M |
| Q1 2025 | 47.51% | 47.51% | 47.51% | 11.62% | $77.1M |
| Q2 2025 | 46.49% | 46.49% | 46.49% | 11.58% | $83.1M |
| Q3 2025 | 52.85% | 52.85% | 52.85% | 12.12% | $77.4M |
| Q4 2025 | 51.67% | 51.67% | 51.67% | 11.92% | $79.5M |
| Q1 2026 | 54.64% | 54.64% | 54.64% | 11.86% | $76.0M |
| Q2 2026 | 49.75% | 49.75% | 49.75% | 11.44% | $78.1M |
Stifel Trust Company Delaware, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Stifel Trust Company Delaware, N.A., 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 Stifel Trust Company Delaware, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59043) · FFIEC NIC profile (RSSD 4125778)