Wilmington Savings Fund Society, FSB: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.94% (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: 6.94% (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 13.77% +7.27 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 | $2.25B | 2,249,964 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $16.34B | 16,335,010 | RCOAA223 |
| Recomputed ratio | 13.77% | numerator / denominator | |
| Filed ratio | 13.77% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.27 pp | $1.19B | capital that could be lost first |
Tier 1 risk-based capital ratio 13.77% +5.77 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 | $2.25B | 2,249,964 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $16.34B | 16,335,010 | RCOAA223 |
| Recomputed ratio | 13.77% | numerator / denominator | |
| Filed ratio | 13.77% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.77 pp | $943.2M | capital that could be lost first |
Total risk-based capital ratio 14.94% +4.94 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 | $2.44B | 2,440,819 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $16.34B | 16,335,010 | RCOAA223 |
| Recomputed ratio | 14.94% | numerator / denominator | |
| Filed ratio | 14.94% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.94 pp | $807.3M | capital that could be lost first |
Tier 1 leverage ratio 10.36% +5.36 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 | $2.25B | 2,249,964 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $21.72B | 21,723,265 | RCOAA224 |
| Recomputed ratio | 10.36% | numerator / denominator | |
| Filed ratio | 10.36% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.36 pp | $1.16B | 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 | 2,402,427 | 2,402,427 | 2,402,427 | 2,402,427 | 2,402,427 | 2,402,427 | RCOAP742 |
| Retained earnings | 706,955 | 712,156 | 721,144 | 644,909 | 567,933 | 738,952 | RCOAKW00 |
| Accumulated other comprehensive income | (466,224) | (454,087) | (445,547) | (474,689) | (522,156) | (549,474) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 2,643,158 | 2,660,496 | 2,678,024 | 2,572,647 | 2,448,204 | 2,591,905 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (393,194) | (407,899) | (419,150) | (392,278) | (347,319) | (322,803) | P859 - P840 |
| Common equity Tier 1 capital | 2,249,964 | 2,252,597 | 2,258,874 | 2,180,369 | 2,100,885 | 2,269,102 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 2,249,964 | 2,252,597 | 2,258,874 | 2,180,369 | 2,100,885 | 2,269,102 | RCOA8274 |
| Tier 2 capital | 190,855 | 192,776 | 192,012 | 196,243 | 198,654 | 199,628 | RCOA5311 |
| Allowance includable in Tier 2 capital | 190,855 | 192,776 | 192,012 | 196,243 | 198,654 | 199,628 | RCOA5310 |
| Total capital | 2,440,819 | 2,445,373 | 2,450,886 | 2,376,612 | 2,299,539 | 2,468,730 | RCOA3792 |
| Total risk-weighted assets | 16,335,010 | 16,074,790 | 16,067,241 | 15,848,270 | 16,024,035 | 16,067,789 | RCOAA223 |
| Average total assets for the leverage ratio | 21,723,265 | 21,281,151 | 21,136,016 | 20,528,122 | 20,423,578 | 20,277,225 | 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 | $2.57B | $35.2M | 1.37% | 0.22% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $5.36B | $1.05B | 19.59% | 6.43% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $3.42B | $2.58B | 75.45% | 15.79% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $64.9M | $97.3M | 150.00% | 0.60% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $10.02B | $9.78B | 97.68% | 59.90% | RC-R Part II, item 4.d, 5.d |
| All other assets | $892.6M | $1.19B | 132.86% | 7.26% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $47K | $588K | 1250.00% | 0.00% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $1.45B | $1.44B | 99.47% | 8.83% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $279.5M | $123.2M | 44.07% | 0.75% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $36.0M | NA | 0.22% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $16.30B | does not tie to item 31 ($16.32B) |
|---|---|---|
| Risk-weighted assets before deductions | $16.34B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $16.34B | 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 | 13.77% | 13.77% | 14.94% | 10.36% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 14.01% | 14.01% | 15.21% | 10.58% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 14.06% | 14.06% | 15.25% | 10.69% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 13.76% | 13.76% | 15.00% | 10.62% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 13.11% | 13.11% | 14.35% | 10.29% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 14.12% | 14.12% | 15.36% | 11.19% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 13.88% | 13.88% | 15.13% | 11.03% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 13.46% | 13.46% | 14.71% | 10.68% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 13.07% | 13.07% | 14.32% | 10.44% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 14.00% | 14.00% | 15.25% | 11.14% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 13.72% | 13.72% | 14.96% | 10.92% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 13.26% | 13.26% | 14.43% | 10.72% | 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 |
|---|---|---|---|---|---|---|
| Wilmington Savings Fund Society, FSB (this bank) | Risk-based | 13.77% | 13.77% | 14.94% | 10.36% | |
| TowneBank | $22.62B | Risk-based | 12.16% | 12.20% | 14.63% | 10.00% |
| First Financial Bank | $22.35B | Risk-based | 12.77% | 12.78% | 14.05% | 9.78% |
| Beacon Bank & Trust | $22.20B | Risk-based | 11.77% | 11.77% | 12.86% | 9.83% |
| OceanFirst Bank, N.A. | $23.17B | Risk-based | 12.96% | 12.96% | 13.91% | 12.62% |
| First Hawaiian Bank | $23.65B | Risk-based | 13.23% | 13.23% | 14.48% | 9.44% |
| Optum Bank, Inc. | $21.43B | Risk-based | 17.86% | 17.86% | 18.66% | 13.22% |
| Seacoast National Bank | $21.34B | Risk-based | 13.55% | 13.55% | 14.80% | 9.84% |
| Bank of Hawaii | $23.81B | Risk-based | 13.92% | 13.92% | 14.96% | 8.38% |
| First Merchants Bank | $21.32B | Risk-based | 11.50% | 11.50% | 12.75% | 9.96% |
| Mechanics Bank | $21.25B | Risk-based | 15.48% | 15.48% | 16.74% | 9.38% |
| Peer 25th percentile | 12.31% | 12.34% | 13.95% | 9.52% | ||
| Peer median | 13.10% | 13.10% | 14.56% | 9.83% | ||
| Peer 75th percentile | 13.83% | 13.83% | 14.92% | 9.99% | ||
| This bank's percentile | 70 | 70 | 70 | 80 |
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/437914/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.