Synovus Trust Company, 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%.
Equity capital to average assets climbed 8.84 percentage points in Q2 2026, from 88.27% to 97.11%. It was the largest change from Q1 2026 among the key lines here. Synovus Trust Company, N.A.'s CET1 ratio of 115.13% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 100.06 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 115.13% |
| Tier 1 risk-based capital ratio | 115.13% |
| Total risk-based capital ratio | 115.13% |
| Tier 1 leverage ratio | 97.11% |
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 | $149.7M |
| Tier 1 capital | $149.7M |
| Total risk-based capital | $149.7M |
| Total equity capital | $149.7M |
| Risk-weighted assets | $130.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 95.12% |
| Tangible equity to tangible assets | 95.12% |
| Equity capital to average assets | 97.11% |
| Internal capital growth rate | 5.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $147.3M |
| Retained earnings | $2.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 120.26% | 120.26% | 120.26% | 97.27% | $97.3M |
| Q4 2023 | 120.57% | 120.57% | 120.57% | 94.78% | $97.4M |
| Q1 2024 | 126.83% | 126.83% | 126.83% | 98.60% | $93.9M |
| Q2 2024 | 120.10% | 120.10% | 120.10% | 96.98% | $101.7M |
| Q3 2024 | 116.80% | 116.80% | 116.80% | 95.53% | $107.4M |
| Q4 2024 | 114.69% | 114.69% | 114.69% | 93.76% | $113.4M |
| Q1 2025 | 119.94% | 119.94% | 119.94% | 98.69% | $110.7M |
| Q2 2025 | 118.20% | 118.20% | 118.20% | 97.39% | $114.5M |
| Q3 2025 | 116.08% | 116.08% | 116.08% | 96.73% | $119.8M |
| Q4 2025 | 114.39% | 114.39% | 114.39% | 97.13% | $126.5M |
| Q1 2026 | 116.30% | 116.30% | 116.30% | 88.27% | $126.3M |
| Q2 2026 | 115.13% | 115.13% | 115.13% | 97.11% | $130.0M |
Synovus Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Synovus Trust Company, 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 Synovus Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2262718)