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REGULATORY CAPITAL (Tables) | 12 Months Ended
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Dec. 31, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract] |
Schedule of Compliance with Regulatory Capital Requirements | The following table includes the Basel III requirements for regulatory capital ratios.
| Basel III Minimums |  | Basel III Conservation Buffers |  | Basel III Requirements
Regulatory capital ratios |  |  |  |  |
Total risk-based capital | 8.00 | % |  | 2.50 | % |  | 10.50 | %
Tier 1 risk-based capital | 6.00 |  |  | 2.50 |  |  | 8.50 |
Common equity Tier 1 | 4.50 |  |  | 2.50 |  |  | 7.00 |
Tier 1 leverage | 4.00 |  |  | — |  |  | 4.00 |
The regulatory capital ratios for BancShares and FCB exceed the Basel III requirements and the PCA well capitalized thresholds as of December 31, 2024 and 2023 as summarized in the following table.
dollars in millions |  |  |  |  | December 31, 2024 |  | December 31, 2023
| Basel III Requirements |  | PCA Well Capitalized Thresholds |  | Amount |  | Ratio |  | Amount |  | Ratio
BancShares |  |  |  |  |  |  |  |  |  |  |
Total risk-based capital | 10.50 | % |  | 10.00 | % |  | $ | 24,610 |  |  | 15.04 | % |  | $ | 23,891 |  |  | 15.75 | %
Tier 1 risk-based capital | 8.50 |  |  | 8.00 |  |  | 22,137 |  |  | 13.53 |  |  | 21,150 |  |  | 13.94 |
Common equity Tier 1 | 7.00 |  |  | 6.50 |  |  | 21,256 |  |  | 12.99 |  |  | 20,270 |  |  | 13.36 |
Tier 1 leverage | 4.00 |  |  | 5.00 |  |  | 22,137 |  |  | 9.90 |  |  | 21,150 |  |  | 9.83 |
FCB |  |  |  |  |  |  |  |  |  |  |
Total risk-based capital | 10.50 | % |  | 10.00 | % |  | $ | 23,975 |  |  | 14.66 | % |  | $ | 23,600 |  |  | 15.56 | %
Tier 1 risk-based capital | 8.50 |  |  | 8.00 |  |  | 21,852 |  |  | 13.37 |  |  | 21,227 |  |  | 13.99 |
Common equity Tier 1 | 7.00 |  |  | 6.50 |  |  | 21,852 |  |  | 13.37 |  |  | 21,227 |  |  | 13.99 |
Tier 1 leverage | 4.00 |  |  | 5.00 |  |  | 21,852 |  |  | 9.78 |  |  | 21,227 |  |  | 9.88 |

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- Definition Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1B -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B + Details
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