U.S. Bank 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%.
The standout move of Q2 2026 was in Equity capital to average assets: 4.58 percentage points higher than in Q1 2026, at 98.84%. Against a median of 13.48% for banks in the $1B-10B asset tier, U.S. Bank Trust Company, N.A. reported 409.95% on CET1 ratio in Q2 2026, 396.47 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 409.95% |
| Tier 1 risk-based capital ratio | 409.95% |
| Total risk-based capital ratio | 409.95% |
| Tier 1 leverage ratio | 98.64% |
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 | $2.49B |
| Tier 1 capital | $2.49B |
| Total risk-based capital | $2.49B |
| Total equity capital | $2.94B |
| Risk-weighted assets | $606.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 91.63% |
| Tangible equity to tangible assets | 89.81% |
| Equity capital to average assets | 98.84% |
| Internal capital growth rate | 39.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $1.17B |
| Retained earnings | $1.77B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$209K |
| 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 | 312.45% | 312.45% | 312.45% | 85.70% | $293.5M |
| Q4 2023 | 359.18% | 359.18% | 359.18% | 94.17% | $352.0M |
| Q1 2024 | 349.92% | 349.92% | 349.92% | 84.69% | $388.5M |
| Q2 2024 | 386.48% | 386.48% | 386.48% | 89.18% | $385.3M |
| Q3 2024 | 391.32% | 391.32% | 391.32% | 90.90% | $413.7M |
| Q4 2024 | 391.35% | 391.35% | 391.35% | 90.39% | $441.5M |
| Q1 2025 | 395.86% | 395.86% | 395.86% | 90.65% | $457.4M |
| Q2 2025 | 398.37% | 398.37% | 398.37% | 92.24% | $479.5M |
| Q3 2025 | 398.39% | 398.39% | 398.39% | 92.10% | $506.3M |
| Q4 2025 | 392.58% | 392.58% | 392.58% | 90.66% | $534.6M |
| Q1 2026 | 404.56% | 404.56% | 404.56% | 93.19% | $550.1M |
| Q2 2026 | 409.95% | 409.95% | 409.95% | 98.64% | $606.7M |
U.S. Bank Trust Company, 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 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 U.S. Bank Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2567123)