Sunwest Bank: 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 Accumulated other comprehensive income: 41.8% lower than in Q1 2026, at -$4.6M. Sunwest Bank has the 1st lowest CET1 ratio of the 28 banks headquartered in Utah, at 10.40% as of Q2 2026. Sunwest Bank reported 10.40% on CET1 ratio for Q2 2026, 3.08 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.40% |
| Tier 1 risk-based capital ratio | 10.40% |
| Total risk-based capital ratio | 11.66% |
| Tier 1 leverage ratio | 9.71% |
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 | $416.6M |
| Tier 1 capital | $416.6M |
| Total risk-based capital | $466.8M |
| Total equity capital | $412.0M |
| Risk-weighted assets | $4.00B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.35% |
| Tangible equity to tangible assets | 9.34% |
| Equity capital to average assets | 9.60% |
| Internal capital growth rate | 17.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $38.7M |
| Common stock surplus | $0 |
| Retained earnings | $377.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.6M |
| 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 | 10.69% | 10.69% | 11.95% | 9.48% | $2.52B |
| Q4 2023 | 10.55% | 10.55% | 11.81% | 9.35% | $2.64B |
| Q1 2024 | 9.81% | 9.81% | 11.07% | 9.12% | $2.92B |
| Q2 2024 | 9.60% | 9.60% | 10.85% | 8.99% | $3.09B |
| Q3 2024 | 9.62% | 9.62% | 10.87% | 9.04% | $3.22B |
| Q4 2024 | 9.57% | 9.57% | 10.82% | 9.38% | $3.35B |
| Q1 2025 | 9.94% | 9.94% | 11.19% | 9.47% | $3.37B |
| Q2 2025 | 10.03% | 10.03% | 11.29% | 9.62% | $3.49B |
| Q3 2025 | 10.43% | 10.43% | 11.68% | 9.80% | $3.51B |
| Q4 2025 | 10.12% | 10.12% | 11.38% | 9.95% | $3.78B |
| Q1 2026 | 10.11% | 10.11% | 11.36% | 9.77% | $3.95B |
| Q2 2026 | 10.40% | 10.40% | 11.66% | 9.71% | $4.00B |
Sunwest Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sunwest Bank, 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 Sunwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20164) · FFIEC NIC profile (RSSD 140362)