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Regulatory Matters (Tables)
 12 Months Ended
Dec. 31, 2024
Banking And Thrift Disclosure [Abstract]  
Capital Ratios

The following is a summary of Bancshares’ and the Bank’s capital ratios at December 31, 2024 and 2023:

 

 

 

Actual

 

 

Minimum Required For Capital Adequacy Purposes

 

 

Minimum Required Plus Capital Conservation Buffer

 

 

To Be Categorized As Well Capitalized Under Prompt Corrective Action Provisions

 

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

 

(Dollars in thousands)

 

CONSOLIDATED:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2024

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CET1 Capital (to Risk Weighted Assets)

 

$

3,908,497

 

 

 

16.42

%

 

$

1,071,015

 

 

 

4.50

%

 

$

1,666,024

 

 

 

7.00

%

 

N/A

 

 

N/A

 

Tier 1 Capital (to Risk Weighted Assets)

 

 

3,908,497

 

 

 

16.42

 

 

 

1,428,021

 

 

 

6.00

 

 

 

2,023,029

 

 

 

8.50

 

 

N/A

 

 

N/A

 

Total Capital (to Risk Weighted Assets)

 

 

4,206,669

 

 

 

17.67

 

 

 

1,904,028

 

 

 

8.00

 

 

 

2,499,036

 

 

 

10.50

 

 

N/A

 

 

N/A

 

Tier 1 Capital (to Average Tangible Assets)

 

 

3,908,497

 

 

 

10.82

 

 

 

1,445,504

 

 

 

4.00

 

 

 

1,445,504

 

 

 

4.00

 

 

N/A

 

 

N/A

 

As of December 31, 2023

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CET1 Capital (to Risk Weighted Assets)

 

$

3,681,430

 

 

 

15.54

%

 

$

1,065,744

 

 

 

4.50

%

 

$

1,657,824

 

 

 

7.00

%

 

N/A

 

 

N/A

 

Tier 1 Capital (to Risk Weighted Assets)

 

 

3,681,430

 

 

 

15.54

 

 

 

1,420,992

 

 

 

6.00

 

 

 

2,013,072

 

 

 

8.50

 

 

N/A

 

 

N/A

 

Total Capital (to Risk Weighted Assets)

 

 

3,923,052

 

 

 

16.56

 

 

 

1,894,656

 

 

 

8.00

 

 

 

2,486,736

 

 

 

10.50

 

 

N/A

 

 

N/A

 

Tier 1 Capital (to Average Tangible Assets)

 

 

3,681,430

 

 

 

10.39

 

 

 

1,417,440

 

 

 

4.00

 

 

 

1,417,440

 

 

 

4.00

 

 

N/A

 

 

N/A

 

BANK ONLY:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2024

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CET1 Capital (to Risk Weighted Assets)

 

$

3,893,275

 

 

 

16.36

%

 

$

1,070,586

 

 

 

4.50

%

 

$

1,665,356

 

 

 

7.00

%

 

$

1,546,402

 

 

 

6.50

%

Tier 1 Capital (to Risk Weighted Assets)

 

 

3,893,275

 

 

 

16.36

 

 

 

1,427,448

 

 

 

6.00

 

 

 

2,022,219

 

 

 

8.50

 

 

 

1,903,264

 

 

 

8.00

 

Total Capital (to Risk Weighted Assets)

 

 

4,191,332

 

 

 

17.62

 

 

 

1,903,264

 

 

 

8.00

 

 

 

2,498,035

 

 

 

10.50

 

 

 

2,379,081

 

 

 

10.00

 

Tier 1 Capital (to Average Tangible Assets)

 

 

3,893,275

 

 

 

10.78

 

 

 

1,445,188

 

 

 

4.00

 

 

 

1,445,188

 

 

 

4.00

 

 

 

1,806,485

 

 

 

5.00

 

As of December 31, 2023

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CET1 Capital (to Risk Weighted Assets)

 

$

3,665,750

 

 

 

15.48

%

 

$

1,065,417

 

 

 

4.50

%

 

$

1,657,315

 

 

 

7.00

%

 

$

1,538,935

 

 

 

6.50

%

Tier 1 Capital (to Risk Weighted Assets)

 

 

3,665,750

 

 

 

15.48

 

 

 

1,420,556

 

 

 

6.00

 

 

 

2,012,454

 

 

 

8.50

 

 

 

1,894,074

 

 

 

8.00

 

Total Capital (to Risk Weighted Assets)

 

 

3,907,375

 

 

 

16.50

 

 

 

1,894,074

 

 

 

8.00

 

 

 

2,485,972

 

 

 

10.50

 

 

 

2,367,593

 

 

 

10.00

 

Tier 1 Capital (to Average Tangible Assets)

 

 

3,665,750

 

 

 

10.35

 

 

 

1,417,269

 

 

 

4.00

 

 

 

1,417,269

 

 

 

4.00

 

 

 

1,771,586

 

 

 

5.00