Woori America 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 4.6% to $243.5M. Within New York, Woori America Bank is 27th of 82 on CET1 ratio, 18.34% as of Q2 2026, above the middle of the field. Woori America Bank reported 18.34% on CET1 ratio for Q2 2026, 4.86 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.34% |
| Tier 1 risk-based capital ratio | 18.34% |
| Total risk-based capital ratio | 19.60% |
| Tier 1 leverage ratio | 12.78% |
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 | $539.0M |
| Tier 1 capital | $539.0M |
| Total risk-based capital | $576.0M |
| Total equity capital | $537.7M |
| Risk-weighted assets | $2.94B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.06% |
| Tangible equity to tangible assets | 12.95% |
| Equity capital to average assets | 12.73% |
| Internal capital growth rate | 8.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $292.5M |
| Common stock surplus | $7.5M |
| Retained earnings | $243.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.8M |
| 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 | 17.82% | 17.82% | 19.07% | 13.46% | $2.57B |
| Q4 2023 | 17.84% | 17.84% | 19.09% | 13.83% | $2.59B |
| Q1 2024 | 17.66% | 17.66% | 18.91% | 13.69% | $2.65B |
| Q2 2024 | 17.05% | 17.05% | 18.30% | 13.37% | $2.78B |
| Q3 2024 | 16.79% | 16.79% | 18.04% | 12.48% | $2.87B |
| Q4 2024 | 16.97% | 16.97% | 18.22% | 12.80% | $2.88B |
| Q1 2025 | 16.71% | 16.71% | 17.96% | 13.25% | $2.97B |
| Q2 2025 | 17.12% | 17.12% | 18.37% | 13.08% | $2.95B |
| Q3 2025 | 17.34% | 17.34% | 18.59% | 13.59% | $2.97B |
| Q4 2025 | 18.35% | 18.35% | 19.60% | 12.66% | $2.86B |
| Q1 2026 | 18.61% | 18.61% | 19.87% | 13.19% | $2.84B |
| Q2 2026 | 18.34% | 18.34% | 19.60% | 12.78% | $2.94B |
Woori America Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Woori America 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 Woori America Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24920) · FFIEC NIC profile (RSSD 384018)