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Regulatory Requirements | 12 Months Ended
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Dec. 31, 2025
Regulatory Requirements [Abstract] |
Regulatory Requirements | Regulatory Requirements Our subsidiary bank, Green Dot Bank, is a member bank of the Federal Reserve System and our primary regulator is the Federal Reserve Board. We and Green Dot Bank are subject to commitments with respect to minimum capital and leverage requirements that we have made to the Federal Reserve Board and the Utah Department of Financial Institutions. In addition, we and Green Dot Bank are subject to various regulatory capital and leverage requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory actions by regulators that, if undertaken, could have a direct material effect on our financial statements. Under capital adequacy guidelines, we and Green Dot Bank must meet specific capital guidelines that involve quantitative measures of the assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. As of December 31, 2025 and 2024, we and Green Dot Bank were categorized as "well-capitalized" under applicable regulatory standards. There were no conditions or events since December 31, 2025 which management believes would have caused us or Green Dot Bank not to be considered "well-capitalized." Our capital ratios and related regulatory requirements were as follows:
| December 31, 2025
| Amount |  | Ratio |  | Regulatory Minimum |  | "Well-capitalized" Minimum
| (In thousands, except ratios)
Green Dot Corporation: |  |  |  |  |  |  |
Tier 1 leverage | $ | 653,063 |  |  | 11.9 | % |  | 4.0 | % |  | n/a
Common equity Tier 1 capital | $ | 653,063 |  |  | 32.9 | % |  | 4.5 | % |  | n/a
Tier 1 capital | $ | 653,063 |  |  | 32.9 | % |  | 6.0 | % |  | 6.0 | %
Total risk-based capital | $ | 677,794 |  |  | 34.1 | % |  | 8.0 | % |  | 10.0 | %
Green Dot Bank: |  |  |  |  |  |  |
Tier 1 leverage | $ | 449,328 |  |  | 8.4 | % |  | 4.0 | % |  | 5.0 | %
Common equity Tier 1 capital | $ | 449,328 |  |  | 29.7 | % |  | 4.5 | % |  | 6.5 | %
Tier 1 capital | $ | 449,328 |  |  | 29.7 | % |  | 6.0 | % |  | 8.0 | %
Total risk-based capital | $ | 456,957 |  |  | 30.3 | % |  | 8.0 | % |  | 10.0 | %
| December 31, 2024
| Amount |  | Ratio |  | Regulatory Minimum |  | "Well-capitalized" Minimum
| (In thousands, except ratios)
Green Dot Corporation: |  |  |  |  |  |  |
Tier 1 leverage | $ | 760,571 |  |  | 15.0 | % |  | 4.0 | % |  | n/a
Common equity Tier 1 capital | $ | 760,571 |  |  | 42.6 | % |  | 4.5 | % |  | n/a
Tier 1 capital | $ | 760,571 |  |  | 42.6 | % |  | 6.0 | % |  | 6.0 | %
Total risk-based capital | $ | 782,207 |  |  | 43.8 | % |  | 8.0 | % |  | 10.0 | %
Green Dot Bank: |  |  |  |  |  |  |
Tier 1 leverage | $ | 362,697 |  |  | 7.3 | % |  | 4.0 | % |  | 5.0 | %
Common equity Tier 1 capital | $ | 362,697 |  |  | 28.2 | % |  | 4.5 | % |  | 6.5 | %
Tier 1 capital | $ | 362,697 |  |  | 28.2 | % |  | 6.0 | % |  | 8.0 | %
Total risk-based capital | $ | 370,207 |  |  | 28.8 | % |  | 8.0 | % |  | 10.0 | %
In addition, Green Dot Bank is subject to regulatory restrictions that limit its ability to issue capital distributions, such as cash dividends, as it is required to maintain minimum levels of capital adequacy. As of December 31, 2025, the aggregate amount of net assets we determined were restricted at our bank was approximately $214.6 million.

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- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(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 1 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1D -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1D Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1A -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1A Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1F -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1F + Details
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