Regulatory Capital (Tables)

9 Months Ended

Sep. 30, 2023

Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]

Schedule of Compliance with Regulatory Capital Requirements

The following table includes the Basel III requirements for regulatory capital ratios.

	Basel III Minimums		Basel III Conservation Buffers		Basel III Requirements
Regulatory capital ratios
Total risk-based capital	8.00	%	2.50	%	10.50	%
Tier 1 risk-based capital	6.00		2.50		8.50
Common equity Tier 1	4.50		2.50		7.00
Tier 1 leverage	4.00		—		4.00

The regulatory capital ratios for BancShares and FCB exceed the Basel III requirements and the PCA well-capitalized thresholds as of September 30, 2023 and December 31, 2022 as summarized in the following table.

dollars in millions					September 30, 2023				December 31, 2022
	Basel III Requirements		PCA well-capitalized thresholds		Amount		Ratio		Amount		Ratio
BancShares
Total risk-based capital	10.50	%	10.00	%	$	23,351	15.64	%	$	11,799	13.18	%
Tier 1 risk-based capital	8.50		8.00		20,643		13.83		9,902		11.06
Common equity Tier 1	7.00		6.50		19,762		13.24		9,021		10.08
Tier 1 leverage	4.00		5.00		20,643		9.73		9,902		8.99
FCB
Total risk-based capital	10.50	%	10.00	%	$	22,927	15.36	%	$	11,627	12.99	%
Tier 1 risk-based capital	8.50		8.00		20,673		13.85		10,186		11.38
Common equity Tier 1	7.00		6.50		20,673		13.85		10,186		11.38
Tier 1 leverage	4.00		5.00		20,673		9.75		10,186		9.25