Webster Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
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As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.47% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 5.47% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 12.23% +5.73 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $7.13B | 7,134,807 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $58.34B | 58,336,986 | RCOAA223 |
| Recomputed ratio | 12.23% | numerator / denominator | |
| Filed ratio | 12.23% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.73 pp | $3.34B | capital that could be lost first |
Tier 1 risk-based capital ratio 12.23% +4.23 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $7.13B | 7,134,807 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $58.34B | 58,336,986 | RCOAA223 |
| Recomputed ratio | 12.23% | numerator / denominator | |
| Filed ratio | 12.23% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.23 pp | $2.47B | capital that could be lost first |
Total risk-based capital ratio 13.47% +3.47 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $7.86B | 7,855,305 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $58.34B | 58,336,986 | RCOAA223 |
| Recomputed ratio | 13.47% | numerator / denominator | |
| Filed ratio | 13.47% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.47 pp | $2.02B | capital that could be lost first |
Tier 1 leverage ratio 8.51% +3.51 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $7.13B | 7,134,807 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $83.79B | 83,792,278 | RCOAA224 |
| Recomputed ratio | 8.51% | numerator / denominator | |
| Filed ratio | 8.51% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.51 pp | $2.95B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 7,760,595 | 7,743,738 | 7,730,087 | 7,707,435 | 7,695,013 | 7,680,126 | RCOAP742 |
| Retained earnings | 2,472,011 | 2,356,783 | 2,394,887 | 2,537,059 | 2,467,349 | 2,401,733 | RCOAKW00 |
| Accumulated other comprehensive income | (447,719) | (430,549) | (350,845) | (384,992) | (438,262) | (449,401) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 9,784,887 | 9,669,972 | 9,774,129 | 9,859,502 | 9,724,100 | 9,632,458 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,650,080) | (2,675,171) | (2,766,777) | (2,697,930) | (2,647,363) | (2,644,086) | P859 - P840 |
| Common equity Tier 1 capital | 7,134,807 | 6,994,801 | 7,007,352 | 7,161,572 | 7,076,737 | 6,988,372 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 7,134,807 | 6,994,801 | 7,007,352 | 7,161,572 | 7,076,737 | 6,988,372 | RCOA8274 |
| Tier 2 capital | 720,498 | 723,465 | 713,021 | 710,719 | 705,394 | 696,039 | RCOA5311 |
| Allowance includable in Tier 2 capital | 720,498 | 723,465 | 713,021 | 710,719 | 705,394 | 696,039 | RCOA5310 |
| Total capital | 7,855,305 | 7,718,266 | 7,720,373 | 7,872,291 | 7,782,131 | 7,684,411 | RCOA3792 |
| Total risk-weighted assets | 58,336,986 | 57,958,137 | 57,474,351 | 56,851,473 | 56,406,750 | 55,661,677 | RCOAA223 |
| Average total assets for the leverage ratio | 83,792,278 | 82,341,342 | 80,664,033 | 79,420,517 | 77,964,209 | 76,745,277 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $2.69B | $16.1M | 0.60% | 0.03% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $17.89B | $2.36B | 13.19% | 4.05% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $374K | $75K | 20.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $12.84B | $6.81B | 53.01% | 11.67% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $239.6M | $359.5M | 150.00% | 0.62% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $413.8M | $620.7M | 150.00% | 1.06% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $41.71B | $37.81B | 90.65% | 64.81% | RC-R Part II, item 4.d, 5.d |
| All other assets | $4.07B | $3.77B | 92.72% | 6.46% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $1.2M | $15.4M | 1250.00% | 0.03% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $5.54B | $5.34B | 96.24% | 9.15% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $370.9M | $128.3M | 34.59% | 0.22% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $1.12B | NA | 1.92% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $57.22B | ties to item 31 ($57.22B) |
|---|---|---|
| Risk-weighted assets before deductions | $58.34B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $58.34B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 12.23% | 12.23% | 13.47% | 8.51% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 12.07% | 12.07% | 13.32% | 8.49% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 12.19% | 12.19% | 13.43% | 8.69% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 12.60% | 12.60% | 13.85% | 9.02% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 12.55% | 12.55% | 13.80% | 9.08% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 12.56% | 12.56% | 13.81% | 9.11% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 12.53% | 12.53% | 13.74% | 9.04% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 12.46% | 12.46% | 13.68% | 9.18% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 11.79% | 11.79% | 12.94% | 9.07% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 11.74% | 11.74% | 12.82% | 9.04% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 12.43% | 12.43% | 13.47% | 9.69% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 12.51% | 12.51% | 13.57% | 9.48% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Webster Bank, N.A. (this bank) | Risk-based | 12.23% | 12.23% | 13.47% | 8.51% | |
| East West Bank | $84.32B | Risk-based | 13.90% | 13.90% | 15.15% | 9.89% |
| First Horizon Bank | $84.12B | Risk-based | 11.18% | 11.58% | 13.02% | 10.32% |
| Flagstar Bank, N.A. | $87.71B | Risk-based | 13.16% | 13.99% | 16.58% | 9.70% |
| Zions Bancorporation, N.A. | $89.04B | Risk-based | 11.83% | 11.92% | 14.02% | 9.43% |
| Old National Bank | $73.86B | Risk-based | 11.34% | 11.34% | 12.29% | 8.80% |
| Western Alliance Bank | $98.57B | Risk-based | 11.58% | 12.03% | 13.45% | 8.08% |
| City National Bank | $99.10B | Risk-based | 14.57% | 14.57% | 16.25% | 10.08% |
| UMB Bank, N.A. | $71.90B | Risk-based | 11.75% | 11.75% | 12.62% | 8.89% |
| SouthState Bank, N.A. | $68.79B | Risk-based | 12.17% | 12.17% | 13.27% | 10.28% |
| Peer 25th percentile | 11.58% | 11.75% | 13.02% | 8.89% | ||
| Peer median | 11.83% | 12.03% | 13.45% | 9.70% | ||
| Peer 75th percentile | 13.16% | 13.90% | 15.15% | 10.08% | ||
| This bank's percentile | 67 | 67 | 56 | 11 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/761806/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.