Western Alliance 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.9% to $5.20B. Western Alliance Bank has the 1st lowest CET1 ratio of the 8 banks headquartered in Arizona, at 11.58% as of Q2 2026. Western Alliance Bank reported 11.58% on CET1 ratio for Q2 2026, 1.38 points below the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.58% |
| Tier 1 risk-based capital ratio | 12.03% |
| Total risk-based capital ratio | 13.45% |
| Tier 1 leverage ratio | 8.08% |
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 | $7.65B |
| Tier 1 capital | $7.94B |
| Total risk-based capital | $8.89B |
| Total equity capital | $7.93B |
| Risk-weighted assets | $66.06B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.05% |
| Tangible equity to tangible assets | 7.44% |
| Equity capital to average assets | 8.01% |
| Internal capital growth rate | 10.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $102.5M |
| Common stock surplus | $3.08B |
| Retained earnings | $5.20B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$447.7M |
| Subordinated notes and debentures | $387.7M |
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 | 11.77% | 11.77% | 12.85% | 8.90% | $52.34B |
| Q4 2023 | 11.86% | 11.86% | 12.95% | 8.86% | $52.51B |
| Q1 2024 | 12.04% | 12.04% | 13.17% | 8.69% | $52.52B |
| Q2 2024 | 11.96% | 11.96% | 13.08% | 8.21% | $53.96B |
| Q3 2024 | 12.12% | 12.12% | 13.24% | 7.99% | $54.67B |
| Q4 2024 | 12.15% | 12.15% | 13.30% | 8.24% | $55.98B |
| Q1 2025 | 11.97% | 12.48% | 13.62% | 8.68% | $57.63B |
| Q2 2025 | 12.20% | 12.70% | 13.46% | 8.62% | $58.57B |
| Q3 2025 | 12.30% | 12.79% | 13.62% | 8.36% | $59.52B |
| Q4 2025 | 11.76% | 12.22% | 13.67% | 8.25% | $63.40B |
| Q1 2026 | 11.61% | 12.07% | 13.50% | 8.12% | $64.13B |
| Q2 2026 | 11.58% | 12.03% | 13.45% | 8.08% | $66.06B |
Western Alliance Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Western Alliance 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 Western Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57512) · FFIEC NIC profile (RSSD 3138146)