USAA Federal Savings Bank: 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%.
Compared with Q1 2026, Total equity capital rose 4.5% in Q2 2026 to $5.82B, the biggest move on this page. Among 8 Arizona banks, USAA Federal Savings Bank sits 3rd from the top on CET1 ratio, 16.89% as of Q2 2026. The median for banks in the $100B-250B asset tier is 12.36% on CET1 ratio. USAA Federal Savings Bank sits 4.53 points higher, at 16.89% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.89% |
| Tier 1 risk-based capital ratio | 17.37% |
| Total risk-based capital ratio | 18.65% |
| Tier 1 leverage ratio | 9.29% |
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 | $9.60B |
| Tier 1 capital | $9.87B |
| Total risk-based capital | $10.60B |
| Total equity capital | $5.82B |
| Risk-weighted assets | $56.82B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.48% |
| Tangible equity to tangible assets | 5.48% |
| Equity capital to average assets | 5.48% |
| Internal capital growth rate | 18.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $18.0M |
| Common stock surplus | $3.15B |
| Retained earnings | $6.44B |
| Preferred stock and surplus | $275.0M |
| Accumulated other comprehensive income | -$4.06B |
| 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 | 16.95% | 17.44% | 18.69% | 8.83% | $56.56B |
| Q4 2023 | 16.17% | 16.65% | 17.90% | 8.61% | $57.38B |
| Q1 2024 | 15.89% | 16.37% | 17.63% | 8.59% | $57.39B |
| Q2 2024 | 15.96% | 16.44% | 17.70% | 8.46% | $57.53B |
| Q3 2024 | 15.99% | 16.47% | 17.74% | 8.63% | $57.49B |
| Q4 2024 | 15.82% | 16.30% | 17.57% | 8.48% | $56.85B |
| Q1 2025 | 15.87% | 16.36% | 17.63% | 8.44% | $56.17B |
| Q2 2025 | 16.17% | 16.66% | 17.93% | 8.68% | $56.26B |
| Q3 2025 | 16.35% | 16.84% | 18.11% | 8.93% | $56.06B |
| Q4 2025 | 16.46% | 16.95% | 18.22% | 9.05% | $56.12B |
| Q1 2026 | 16.69% | 17.18% | 18.46% | 9.08% | $55.92B |
| Q2 2026 | 16.89% | 17.37% | 18.65% | 9.29% | $56.82B |
USAA Federal Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock USAA Federal Savings Bank, 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 USAA Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32188) · FFIEC NIC profile (RSSD 619877)