Company: WBS-PG
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0000801337-25-000104
Chunk: 200

Company: WEBSTER FINANCIAL CORP
Filing Date: 2025-11-10
Form: 10-Q
Item: Part I, Item 2
Chunk 200
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 Capital 7,161,572 9.02 3,176,821 4.0 3,971,026 5.0 December 31, 2024 Actual (1)Minimum RequirementWell Capitalized(Dollars in thousands)AmountRatioAmountRatioAmountRatioWebster 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 Capital 6,847,474 9.04 3,031,190 4.0 3,788,988 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 2024, the Company was allowed 25% of the regulatory capital benefit as of December 31, 2021. Full absorption occurred in 2025.

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Dividend RestrictionsThe Holding Company is dependent upon dividends from the