Wells Fargo National Bank West: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 57.48% (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: 57.48% (RCFAH311).
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 64.87% +58.37 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 | $1.68B | 1,681,605 | RCFWP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.59B | 2,592,369 | RCFAA223 |
| Recomputed ratio | 64.87% | numerator / denominator | |
| Filed ratio | 64.87% | RCFAP793 | |
| Advanced approaches column | 253.98% | RCFWP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +58.37 pp | $1.51B | capital that could be lost first |
Tier 1 risk-based capital ratio 64.87% +56.87 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 | $1.68B | 1,681,605 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.59B | 2,592,369 | RCFAA223 |
| Recomputed ratio | 64.87% | numerator / denominator | |
| Filed ratio | 64.87% | RCFA7206 | |
| Advanced approaches column | 253.98% | RCFW7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +56.87 pp | $1.47B | capital that could be lost first |
Total risk-based capital ratio 65.48% +55.48 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 | $1.70B | 1,697,486 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $2.59B | 2,592,369 | RCFAA223 |
| Recomputed ratio | 65.48% | numerator / denominator | |
| Filed ratio | 65.48% | RCFA7205 | |
| Advanced approaches column | 254.38% | RCFW7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +55.48 pp | $1.44B | capital that could be lost first |
Tier 1 leverage ratio 19.19% +14.19 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 | $1.68B | 1,681,605 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $8.76B | 8,760,717 | RCFAA224 |
| Recomputed ratio | 19.19% | numerator / denominator | |
| Filed ratio | 19.19% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +14.19 pp | $1.24B | capital that could be lost first |
Supplementary leverage ratio 19.12%
Tier 1 capital over total leverage exposure, which adds off-balance-sheet exposures to on-balance-sheet assets. Filed by advanced-approaches and Category III banks.
| Tier 1 capital | $1.68B | 1,681,605 | RCFA8274 |
|---|---|---|---|
| Divided by total leverage exposure | $8.80B | 8,796,555 | RCFAH015 |
| Recomputed ratio | 19.12% | numerator / denominator | |
| Filed ratio | 19.12% | RCFAH036 |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I. This bank also files the advanced approaches column; the lower of the two binds, and the standardized ratios shown here are the lower ones.
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 | 679,200 | 679,200 | 679,200 | 679,200 | 679,200 | 679,200 | RCFAP742 |
| Retained earnings | 1,044,771 | 1,023,668 | 1,001,230 | 980,101 | 959,695 | 937,417 | RCFAKW00 |
| Accumulated other comprehensive income | (40,693) | (58,812) | (76,870) | (87,544) | (96,171) | (93,772) | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 1,683,278 | 1,644,056 | 1,603,560 | 1,571,757 | 1,542,724 | 1,522,845 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,673) | 9,194 | 21,595 | 22,916 | 23,123 | 15,777 | P859 - P840 |
| Common equity Tier 1 capital | 1,681,605 | 1,653,250 | 1,625,155 | 1,594,673 | 1,565,847 | 1,538,622 | RCFWP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP865 |
| Tier 1 capital | 1,681,605 | 1,653,250 | 1,625,155 | 1,594,673 | 1,565,847 | 1,538,622 | RCFA8274 |
| Tier 2 capital | 15,881 | 16,527 | 16,361 | 18,305 | 17,807 | 18,077 | RCFA5311 |
| Allowance includable in Tier 2 capital | 15,881 | 16,527 | 16,361 | 18,305 | 17,807 | 18,077 | RCFA5310 |
| Total capital | 1,697,486 | 1,669,777 | 1,641,516 | 1,612,978 | 1,583,654 | 1,556,699 | RCFA3792 |
| Total risk-weighted assets | 2,592,369 | 2,794,344 | 2,832,046 | 2,939,557 | 3,011,144 | 3,233,742 | RCFAA223 |
| Average total assets for the leverage ratio | 8,760,717 | 8,879,095 | 8,904,568 | 9,170,205 | 9,828,743 | 10,356,436 | RCFAA224 |
| Total leverage exposure | 8,796,555 | 8,916,511 | 8,941,548 | 9,212,067 | 9,873,944 | 10,405,843 | RCFAH015 |
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 | $1.76B | $152.3M | 8.65% | 5.88% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $2.13B | $0 | 0.00% | 0.00% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $4.75B | $2.40B | 50.54% | 92.52% | RC-R Part II, item 4.a, 5.a |
| All other assets | $166.9M | $31.8M | 19.03% | 1.23% | RC-R Part II, item 8 |
| Derivatives (over the counter and centrally cleared) | $16.5M | $9.9M | 60.23% | 0.38% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $100 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $2.59B | ties to item 31 ($2.59B) |
|---|---|---|
| Risk-weighted assets before deductions | $2.59B | RCFDB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $2.59B | RCFDG641, 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 | 64.87% | 64.87% | 65.48% | 19.19% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 59.16% | 59.16% | 59.76% | 18.62% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 57.38% | 57.38% | 57.96% | 18.25% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 54.25% | 54.25% | 54.87% | 17.39% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 52.00% | 52.00% | 52.59% | 15.93% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 47.58% | 47.58% | 48.14% | 14.86% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | NA | NA | NA | 14.13% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | NA | NA | NA | 14.42% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | NA | NA | NA | 11.20% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | NA | NA | NA | 10.04% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | NA | NA | NA | 9.20% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | NA | NA | NA | 8.58% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios, and for this advanced-approaches bank the risk-based ratios of quarters without served Schedule RC-R detail are withheld rather than shown from the advanced column. 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 |
|---|---|---|---|---|---|---|
| Wells Fargo National Bank West (this bank) | Risk-based | 64.87% | 64.87% | 65.48% | 19.19% | |
| Southside Bank | $8.76B | Risk-based | 16.28% | 16.28% | 17.10% | 11.43% |
| Tompkins Bank & Trust | $8.79B | Risk-based | 11.91% | 11.91% | 12.82% | 9.11% |
| Salem Five Cents Savings Bank | $8.82B | Risk-based | 13.21% | 13.21% | 14.47% | 10.52% |
| Metropolitan Commercial Bank | $8.86B | Risk-based | 12.91% | 12.91% | 13.73% | 11.07% |
| b1BANK | $8.89B | Risk-based | 12.33% | 12.33% | 13.20% | 10.91% |
| First American Bank | $8.63B | Risk-based | 13.77% | 13.77% | 14.80% | 7.58% |
| First Security Bank | $8.58B | Risk-based | 20.73% | 20.73% | 21.99% | 15.60% |
| Woodforest National Bank | $8.98B | Risk-based | 11.27% | 11.27% | 12.52% | 9.35% |
| Cross River Bank | $8.53B | CBLR | NA | NA | NA | 11.78% |
| Peer 25th percentile | 12.22% | 12.22% | 13.11% | 9.35% | ||
| Peer median | 13.06% | 13.06% | 14.10% | 10.91% | ||
| Peer 75th percentile | 14.40% | 14.40% | 15.38% | 11.43% | ||
| This bank's percentile | 100 | 100 | 100 | 100 |
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/1225761/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.