WaFd 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 12.7% lower than in Q1 2026, at $48.1M. WaFd Bank ranks 9th of 21 Washington banks on CET1 ratio, in the upper half at 12.95% (Q2 2026). The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio; WaFd Bank reported 12.95% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.95% |
| Tier 1 risk-based capital ratio | 12.95% |
| Total risk-based capital ratio | 14.14% |
| Tier 1 leverage ratio | 9.21% |
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 | $2.50B |
| Tier 1 capital | $2.50B |
| Total risk-based capital | $2.73B |
| Total equity capital | $3.03B |
| Risk-weighted assets | $19.30B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.98% |
| Tangible equity to tangible assets | 9.52% |
| Equity capital to average assets | 10.96% |
| Internal capital growth rate | 5.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $799.7M |
| Retained earnings | $2.18B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $48.1M |
| 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 | 11.63% | 11.63% | 12.81% | 9.01% | $17.05B |
| Q4 2023 | 12.10% | 12.10% | 13.31% | 9.12% | $16.71B |
| Q1 2024 | 11.76% | 11.76% | 12.85% | 9.91% | $20.63B |
| Q2 2024 | 12.79% | 12.79% | 13.92% | 8.37% | $19.17B |
| Q3 2024 | 12.94% | 12.94% | 14.08% | 8.94% | $19.04B |
| Q4 2024 | 12.95% | 12.95% | 14.10% | 9.12% | $19.04B |
| Q1 2025 | 13.05% | 13.05% | 14.19% | 9.21% | $19.01B |
| Q2 2025 | 13.43% | 13.43% | 14.58% | 9.49% | $18.63B |
| Q3 2025 | 13.40% | 13.40% | 14.55% | 9.61% | $18.71B |
| Q4 2025 | 13.44% | 13.44% | 14.60% | 9.55% | $18.72B |
| Q1 2026 | 13.03% | 13.03% | 14.19% | 9.17% | $18.89B |
| Q2 2026 | 12.95% | 12.95% | 14.14% | 9.21% | $19.30B |
WaFd Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock WaFd 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 WaFd Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28088) · FFIEC NIC profile (RSSD 656377)