XML 69 R53.htm IDEA: XBRL DOCUMENT v3.25.0.1
Regulatory Capital and Restrictions (Tables)
 12 Months Ended
Dec. 31, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]  
Schedule of Information on Capital Ratios
The following table provides information on the regulatory capital ratios for the Company and the Bank:
At December 31, 2024
 
Actual (1)
Minimum RequirementWell Capitalized
(In thousands)AmountRatioAmountRatioAmountRatio
Webster Financial Corporation
CET1 Risk-Based Capital$6,318,876 11.54 %$2,464,542 4.5 %$3,559,895 6.5 %
Tier 1 Risk-Based Capital6,602,855 12.06 3,286,057 6.0 4,381,409 8.0 
Total Risk-Based Capital7,800,717 14.24 4,381,409 8.0 5,476,761 10.0 
Tier 1 Leverage Capital 6,602,855 8.70 3,034,369 4.0 3,792,961 5.0 
Webster Bank
CET1 Risk-Based Capital$6,847,474 12.53 %$2,460,031 4.5 %$3,553,378 6.5 %
Tier 1 Risk-Based Capital6,847,474 12.53 3,280,042 6.0 4,373,389 8.0 
Total Risk-Based Capital7,512,143 13.74 4,373,389 8.0 5,466,736 10.0 
Tier 1 Leverage Capital6,847,474 9.04 3,031,190 4.0 3,788,988 5.0 
At December 31, 2023
Actual (1)
Minimum RequirementWell Capitalized
(In thousands)AmountRatioAmountRatioAmountRatio
Webster Financial Corporation
CET1 Risk-Based Capital$6,188,433 11.11 %$2,507,190 4.5 %$3,621,497 6.5 %
Tier 1 Risk-Based Capital6,472,412 11.62 3,342,920 6.0 4,457,227 8.0 
Total Risk-Based Capital7,643,423 13.72 4,457,227 8.0 5,571,534 10.0 
Tier 1 Leverage Capital6,472,412 9.06 2,857,890 4.0 3,572,362 5.0 
Webster Bank
CET1 Risk-Based Capital$6,913,443 12.43 %$2,502,835 4.5 %$3,615,206 6.5 %
Tier 1 Risk-Based Capital6,913,443 12.43 3,337,113 6.0 4,449,484 8.0 
Total Risk-Based Capital7,494,332 13.47 4,449,484 8.0 5,561,855 10.0 
Tier 1 Leverage Capital6,913,443 9.69 2,855,212 4.0 3,569,015 5.0 
(1)In accordance with regulatory capital rules, the Company elected to delay the estimated impact of the adoption of CECL on its regulatory capital over a two-year deferral period, which ended on January 1, 2022, and a subsequent three-year transition period, which ended on December 31, 2024. During the three-year transition period, regulatory capital ratios phased out the aggregate amount of the regulatory capital benefit provided from the delayed CECL adoption in the initial two years. For 2023 and 2024, the Company was allowed 50% and 25%, respectively, of the regulatory capital benefit as of December 31, 2021, with full absorption occurring in 2025.