U.S. Bank 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%.
In Q2 2026, Equity capital to total assets edged down by 0.19 percentage points, from 9.95% to 9.76%, the largest move among the key lines here. Within Ohio, U.S. Bank N.A. is 55th of 84 on CET1 ratio, 12.91% as of Q2 2026, below the middle of the field. The median for banks in the >= $250B asset tier is 15.13% on CET1 ratio. U.S. Bank N.A. sits 2.22 points lower, at 12.91% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.91% |
| Tier 1 risk-based capital ratio | 12.99% |
| Total risk-based capital ratio | 14.94% |
| Tier 1 leverage ratio | 9.49% |
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 | $62.77B |
| Tier 1 capital | $63.19B |
| Total risk-based capital | $72.64B |
| Total equity capital | $68.83B |
| Risk-weighted assets | $486.36B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.76% |
| Tangible equity to tangible assets | 7.93% |
| Equity capital to average assets | 10.15% |
| Internal capital growth rate | 4.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $18.2M |
| Common stock surplus | $29.95B |
| Retained earnings | $45.76B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.89B |
| Subordinated notes and debentures | $4.60B |
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 | 12.75% | 12.84% | 15.10% | 9.03% | $455.90B |
| Q4 2023 | 13.05% | 13.15% | 15.44% | 9.23% | $445.83B |
| Q1 2024 | 13.11% | 13.21% | 15.50% | 9.25% | $444.56B |
| Q2 2024 | 13.38% | 13.49% | 15.78% | 9.20% | $440.42B |
| Q3 2024 | 13.55% | 13.65% | 15.83% | 9.34% | $439.53B |
| Q4 2024 | 13.50% | 13.60% | 15.77% | 9.28% | $443.43B |
| Q1 2025 | 13.53% | 13.63% | 15.81% | 9.33% | $442.46B |
| Q2 2025 | 13.34% | 13.43% | 15.59% | 9.35% | $452.06B |
| Q3 2025 | 13.38% | 13.48% | 15.51% | 9.34% | $456.04B |
| Q4 2025 | 13.02% | 13.11% | 15.12% | 9.38% | $471.42B |
| Q1 2026 | 12.88% | 12.97% | 14.96% | 9.40% | $479.55B |
| Q2 2026 | 12.91% | 12.99% | 14.94% | 9.49% | $486.36B |
U.S. Bank N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock U.S. Bank 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 U.S. Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6548) · FFIEC NIC profile (RSSD 504713)