Company: WBS-PG
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0000801337-25-000104
Chunk: 199

Company: WEBSTER FINANCIAL CORP
Filing Date: 2025-11-10
Form: 10-Q
Item: Part I, Item 2
Chunk 199
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itative measures established by Basel III to ensure capital adequacy require the Company and the Bank to maintain minimum ratios of CET1 Risk-Based Capital, Tier 1 Risk-Based Capital, Total Risk-Based Capital, and Tier 1 Leverage Capital, as defined in the regulations. CET1 capital consists of common stockholders’ equity, less deductions for goodwill and other intangible assets, and certain deferred tax adjustments. At the time of initial adoption of the Basel III Capital Rules, the Company had elected to opt-out of the requirement to include certain components of AOCI in CET1 capital. Tier 1 capital consists of CET1 capital plus preferred stock. Total capital consists of Tier 1 capital and Tier 2 capital, as defined in the regulations. Tier 2 capital includes qualifying subordinated debt and the permissible portion of the ACL.At September 30, 2025, and December 31, 2024, both the Company and the Bank were classified as “well-capitalized.” The following tables provides information on the capital ratios for the Company and the Bank:September 30, 2025 ActualMinimum RequirementWell Capitalized(Dollars in thousands)AmountRatioAmountRatioAmountRatioWebster Financial CorporationCET1 Risk-Based Capital$6,480,775 11.39 %$2,560,333 4.5 %$3,698,259 6.5 %Tier 1 Risk-Based Capital6,764,754 11.89 3,413,778 6.0 4,551,703 8.0 Total Risk-Based Capital8,352,757 14.68 4,551,703 8.0 5,689,629 10.0 Tier 1 Leverage Capital 6,764,754 8.51 3,179,258 4.0 3,974,073 5.0 Webster BankCET1 Risk-Based Capital$7,161,572 12.60 %$2,558,316 4.5 %$3,695,346 6.5 %Tier 1 Risk-Based Capital7,161,572 12.60 3,411,088 6.0 4,548,118 8.0 Total Risk-Based Capital7,872,291 13.85 4,548,118 8.0 5,685,147 10.0 Tier 1 Leverage