U.S. Bank 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%.
The standout move of Q2 2026 was in Common equity Tier 1 ratio: 1.88 percentage points higher than in Q1 2026, at 488.44%. Against a median of 15.07% for banks in the $100M-1B asset tier, U.S. Bank Trust N.A. reported 488.44% on CET1 ratio in Q2 2026, 473.37 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 488.44% |
| Tier 1 risk-based capital ratio | 488.44% |
| Total risk-based capital ratio | 488.44% |
| Tier 1 leverage ratio | 99.77% |
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 | $923.8M |
| Tier 1 capital | $923.8M |
| Total risk-based capital | $923.8M |
| Total equity capital | $935.7M |
| Risk-weighted assets | $189.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 98.61% |
| Tangible equity to tangible assets | 98.59% |
| Equity capital to average assets | 99.78% |
| Internal capital growth rate | 11.22% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $466.6M |
| Retained earnings | $468.1M |
| 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 | 490.64% | 490.64% | 490.64% | 99.20% | $149.6M |
| Q4 2023 | 490.08% | 490.08% | 490.08% | 99.03% | $152.7M |
| Q1 2024 | 487.27% | 487.27% | 487.27% | 99.34% | $157.0M |
| Q2 2024 | 492.25% | 492.25% | 492.25% | 98.96% | $158.6M |
| Q3 2024 | 481.32% | 481.32% | 481.32% | 99.05% | $165.6M |
| Q4 2024 | 488.79% | 488.79% | 488.79% | 99.01% | $166.6M |
| Q1 2025 | 487.48% | 487.48% | 487.48% | 99.15% | $170.7M |
| Q2 2025 | 489.41% | 489.41% | 489.41% | 98.84% | $173.3M |
| Q3 2025 | 493.03% | 493.03% | 493.03% | 99.18% | $175.0M |
| Q4 2025 | 489.54% | 489.54% | 489.54% | 99.56% | $180.1M |
| Q1 2026 | 486.56% | 486.56% | 486.56% | 99.25% | $184.6M |
| Q2 2026 | 488.44% | 488.44% | 488.44% | 99.77% | $189.1M |
U.S. Bank Trust 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 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 N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2916963)