TriState Capital Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 11.10% (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: 11.10% (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 18.45% +11.95 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 | $1.80B | 1,795,986 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $9.73B | 9,733,802 | RCOAA223 |
| Recomputed ratio | 18.45% | numerator / denominator | |
| Filed ratio | 18.45% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +11.95 pp | $1.16B | capital that could be lost first |
Tier 1 risk-based capital ratio 18.45% +10.45 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 | $1.80B | 1,795,986 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $9.73B | 9,733,802 | RCOAA223 |
| Recomputed ratio | 18.45% | numerator / denominator | |
| Filed ratio | 18.45% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +10.45 pp | $1.02B | capital that could be lost first |
Total risk-based capital ratio 19.10% +9.10 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 | $1.86B | 1,858,809 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $9.73B | 9,733,802 | RCOAA223 |
| Recomputed ratio | 19.10% | numerator / denominator | |
| Filed ratio | 19.10% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +9.10 pp | $885.4M | capital that could be lost first |
Tier 1 leverage ratio 7.41% +2.41 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 | $1.80B | 1,795,986 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $24.23B | 24,225,210 | RCOAA224 |
| Recomputed ratio | 7.41% | numerator / denominator | |
| Filed ratio | 7.41% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +2.41 pp | $584.7M | 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 | 788,453 | 788,453 | 788,453 | 788,454 | 788,453 | 788,453 | RCOAP742 |
| Retained earnings | 1,007,963 | 961,540 | 920,365 | 873,457 | 827,592 | 788,433 | RCOAKW00 |
| Accumulated other comprehensive income | (106,573) | (102,238) | (95,524) | (104,019) | (117,923) | (123,983) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,689,843 | 1,647,755 | 1,613,294 | 1,557,892 | 1,498,122 | 1,452,903 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 106,143 | 101,808 | 95,094 | 103,588 | 117,493 | 123,554 | P859 - P840 |
| Common equity Tier 1 capital | 1,795,986 | 1,749,563 | 1,708,388 | 1,661,480 | 1,615,615 | 1,576,457 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 1,795,986 | 1,749,563 | 1,708,388 | 1,661,480 | 1,615,615 | 1,576,457 | RCOA8274 |
| Tier 2 capital | 62,823 | 67,684 | 68,548 | 70,632 | 63,838 | 56,937 | RCOA5311 |
| Allowance includable in Tier 2 capital | 62,823 | 67,684 | 68,548 | 70,632 | 63,838 | 56,937 | RCOA5310 |
| Total capital | 1,858,809 | 1,817,247 | 1,776,936 | 1,732,112 | 1,679,453 | 1,633,394 | RCOA3792 |
| Total risk-weighted assets | 9,733,802 | 9,422,167 | 9,523,977 | 9,902,741 | 9,480,108 | 9,184,099 | RCOAA223 |
| Average total assets for the leverage ratio | 24,225,210 | 23,495,446 | 22,903,373 | 21,956,536 | 21,583,524 | 21,053,486 | 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 | $2.28B | $3.0M | 0.13% | 0.03% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $1.77B | $227.1M | 12.80% | 2.33% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $254.0M | $139.0M | 54.71% | 1.43% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $20.6M | $30.9M | 150.00% | 0.32% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $58.6M | $87.9M | 150.00% | 0.90% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $7.52B | $7.52B | 100.00% | 77.25% | RC-R Part II, item 4.d, 5.d |
| All other assets | $446.5M | $458.8M | 102.76% | 4.71% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.08B | $1.08B | 100.10% | 11.09% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $85.3M | $85.3M | 100.00% | 0.88% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $102.9M | NA | 1.06% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $9.63B | ties to item 31 ($9.63B) |
|---|---|---|
| Risk-weighted assets before deductions | $9.73B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $9.73B | 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 | 18.45% | 18.45% | 19.10% | 7.41% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 18.57% | 18.57% | 19.29% | 7.45% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 17.94% | 17.94% | 18.66% | 7.46% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 16.78% | 16.78% | 17.49% | 7.57% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 17.04% | 17.04% | 17.72% | 7.49% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 17.17% | 17.17% | 17.79% | 7.49% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 16.97% | 16.97% | 17.59% | 7.24% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 16.92% | 16.92% | 17.52% | 7.46% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 16.48% | 16.48% | 17.07% | 7.36% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 16.44% | 16.44% | 17.02% | 7.18% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 15.18% | 15.18% | 15.69% | 7.10% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 14.76% | 14.76% | 15.26% | 7.15% | 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 |
|---|---|---|---|---|---|---|
| TriState Capital Bank (this bank) | Risk-based | 18.45% | 18.45% | 19.10% | 7.41% | |
| Centennial Bank | $24.55B | Risk-based | 14.83% | 14.83% | 16.09% | 12.61% |
| Cathay Bank | $24.64B | Risk-based | 13.98% | 13.98% | 15.16% | 11.52% |
| Bank of Hawaii | $23.81B | Risk-based | 13.92% | 13.92% | 14.96% | 8.38% |
| Simmons Bank | $24.73B | Risk-based | 10.44% | 10.44% | 11.69% | 9.18% |
| First Hawaiian Bank | $23.65B | Risk-based | 13.23% | 13.23% | 14.48% | 9.44% |
| Rockland Trust Company | $24.97B | Risk-based | 14.86% | 14.86% | 15.85% | 11.83% |
| OceanFirst Bank, N.A. | $23.17B | Risk-based | 12.96% | 12.96% | 13.91% | 12.62% |
| Ameriprise Bank, FSB | $25.48B | Risk-based | 30.38% | 30.38% | 30.57% | 7.38% |
| Provident Bank | $25.65B | Risk-based | 12.09% | 12.09% | 12.99% | 10.53% |
| First Interstate Bank | $25.79B | Risk-based | 14.32% | 14.32% | 15.46% | 9.42% |
| Peer 25th percentile | 13.03% | 13.03% | 14.06% | 9.24% | ||
| Peer median | 13.95% | 13.95% | 15.06% | 9.98% | ||
| Peer 75th percentile | 14.70% | 14.70% | 15.75% | 11.75% | ||
| This bank's percentile | 90 | 90 | 90 | 10 |
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/3475083/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.