Company: WBS-PG
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0000801337-25-000104
Chunk: 133

Company: WEBSTER FINANCIAL CORP
Filing Date: 2025-11-10
Form: 10-Q
Item: Part I, Item 2
Chunk 133
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 and/or the regulatory framework for prompt corrective action (applies to the Bank only), both the Company and the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance sheet items calculated pursuant to regulatory directives. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

Quantitative 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. 

The following table presents the minimum ratios required as of September 30, 2025, and December 31, 2024:Adequately CapitalizedWell CapitalizedCET1 Risk-Based Capital 4.5 %6.5 %Tier 1 Risk-Based Capital6.0 8.0 Total Risk-Based Capital 8.0 10.0 Tier 1 Leverage Capital4.0 5.0 

At September 30, 2025, and December 31, 2024, both the Company and the Bank were classified as “well-capitalized.” Management believes that no events or changes have occurred subsequent to quarter-end and through the date of this Quarterly Report on Form 10-Q that would change this designation.

The Company’s and the Bank’s capital ratios, which exceeded minimum regulatory requirements, were as follows: September 30, 2025December 31, 2024 (1)(Dollars in thousands)Capital/AssetsRatioCapital/AssetsRatioWebster Financial CorporationCET1 Risk-Based Capital $6,480,775 11.39 %$6,318,876 11.54 %Tier 1 Risk-Based Capital6,764,754 11.89 6,602,855 12.06 %Total Risk-Based Capital 8,352,757 14.68 7,800,717 14.24 %Tier 1 Leverage Capital6,764,754 8.51 6,602,855 8.70 %Risk-weighted assets56,896,293 54,767,609 Webster BankCET1 Risk-Based Capital$7,161,572 12.60 %$6,847,474 12.53 %Tier 1 Risk-Based Capital7,161