WEX 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Retained earnings: 17.4% higher than in Q1 2026, at $795.1M. WEX Bank ranks 21st of 28 Utah banks on CET1 ratio, in the lower half at 12.70% (Q2 2026). At 12.70%, WEX Bank's CET1 ratio is close to the 12.96% median for banks in the $10B-100B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.70% |
| Tier 1 risk-based capital ratio | 12.70% |
| Total risk-based capital ratio | 13.48% |
| Tier 1 leverage ratio | 8.93% |
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 | $911.2M |
| Tier 1 capital | $911.2M |
| Total risk-based capital | $967.6M |
| Total equity capital | $856.1M |
| Risk-weighted assets | $7.18B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.99% |
| Tangible equity to tangible assets | 7.99% |
| Equity capital to average assets | 8.39% |
| Internal capital growth rate | 62.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $116.3M |
| Common stock surplus | $6.6M |
| Retained earnings | $795.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$61.9M |
| 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 | 13.58% | 13.58% | 14.83% | 10.20% | $4.99B |
| Q4 2023 | 15.11% | 15.11% | 16.27% | 10.21% | $4.47B |
| Q1 2024 | 13.60% | 13.60% | 14.67% | 10.01% | $4.97B |
| Q2 2024 | 13.10% | 13.10% | 14.15% | 9.63% | $5.08B |
| Q3 2024 | 13.17% | 13.17% | 14.10% | 9.38% | $5.06B |
| Q4 2024 | 14.47% | 14.47% | 15.36% | 9.01% | $4.54B |
| Q1 2025 | 13.10% | 13.10% | 13.82% | 9.29% | $5.23B |
| Q2 2025 | 12.90% | 12.90% | 13.67% | 9.24% | $5.83B |
| Q3 2025 | 14.20% | 14.20% | 15.05% | 9.24% | $5.34B |
| Q4 2025 | 14.98% | 14.98% | 15.94% | 9.04% | $5.10B |
| Q1 2026 | 12.90% | 12.90% | 13.77% | 9.13% | $6.17B |
| Q2 2026 | 12.70% | 12.70% | 13.48% | 8.93% | $7.18B |
WEX Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock WEX 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 WEX Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34697) · FFIEC NIC profile (RSSD 2700984)