TIAA Trust, 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%.
Common equity tier 1 ratio climbed 6.44 percentage points in Q2 2026, from 406.90% to 413.35%. It was the largest change from Q1 2026 among the key lines here. Against a median of 15.07% for banks in the $100M-1B asset tier, TIAA Trust, N.A. reported 413.35% on CET1 ratio in Q2 2026, 398.27 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 413.35% |
| Tier 1 risk-based capital ratio | 413.35% |
| Total risk-based capital ratio | 413.35% |
| Tier 1 leverage ratio | 92.86% |
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 | $222.5M |
| Tier 1 capital | $222.5M |
| Total risk-based capital | $222.5M |
| Total equity capital | $222.5M |
| Risk-weighted assets | $53.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 92.30% |
| Tangible equity to tangible assets | 92.30% |
| Equity capital to average assets | 92.86% |
| Internal capital growth rate | 4.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $124.1M |
| Retained earnings | $98.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $1K |
| 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 | 249.04% | 249.04% | 249.04% | 85.86% | $60.8M |
| Q4 2023 | 266.94% | 266.94% | 266.94% | 89.00% | $64.2M |
| Q1 2024 | 276.65% | 276.65% | 276.65% | 89.07% | $68.9M |
| Q2 2024 | 284.43% | 284.43% | 284.43% | 89.83% | $74.5M |
| Q3 2024 | 290.51% | 290.51% | 290.51% | 89.78% | $81.1M |
| Q4 2024 | 253.14% | 253.14% | 253.14% | 78.13% | $74.3M |
| Q1 2025 | 274.16% | 274.16% | 274.16% | 89.53% | $77.8M |
| Q2 2025 | 282.65% | 282.65% | 282.65% | 92.04% | $84.7M |
| Q3 2025 | 294.28% | 294.28% | 294.28% | 93.18% | $91.3M |
| Q4 2025 | 222.39% | 222.39% | 222.39% | 62.65% | $82.0M |
| Q1 2026 | 406.90% | 406.90% | 406.90% | 92.77% | $54.0M |
| Q2 2026 | 413.35% | 413.35% | 413.35% | 92.86% | $53.8M |
TIAA Trust, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock TIAA Trust, 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 TIAA Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 5859511)