Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2022

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

Information On The Capital Ratios

The following table provides information on the regulatory capital ratios for the Holding Company and the Bank:

	At December 31, 2022
	Actual (1)				Minimum Requirement				Well Capitalized
(In thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
Webster Financial Corporation
CET1 risk-based capital	$	5,822,369	10.71	%	$	2,446,344	4.5	%	$	3,533,608	6.5	%
Total risk-based capital	7,203,029		13.25		4,349,056		8.0		5,436,320		10.0
Tier 1 risk-based capital	6,106,348		11.23		3,261,792		6.0		4,349,056		8.0
Tier 1 leverage capital	6,106,348		8.95		2,730,212		4.0		3,412,765		5.0
Webster Bank
CET1 risk-based capital	$	6,661,504	12.28	%	$	2,442,058	4.5	%	$	3,527,417	6.5	%
Total risk-based capital	7,165,935		13.20		4,341,437		8.0		5,426,796		10.0
Tier 1 risk-based capital	6,661,504		12.28		3,256,078		6.0		4,341,437		8.0
Tier 1 leverage capital	6,661,504		9.77		2,727,476		4.0		3,409,345		5.0
	At December 31, 2021
	Actual (1)				Minimum Requirement				Well Capitalized
(In thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
Webster Financial Corporation
CET1 risk-based capital	$	2,804,290	11.72	%	$	1,076,871	4.5	%	$	1,555,480	6.5	%
Total risk-based capital	3,265,064		13.64		1,914,436		8.0		2,393,046		10.0
Tier 1 risk-based capital	2,949,327		12.32		1,435,827		6.0		1,914,436		8.0
Tier 1 leverage capital	2,949,327		8.47		1,393,607		4.0		1,742,008		5.0
Webster Bank
CET1 risk-based capital	$	3,034,883	12.69	%	$	1,075,920	4.5	%	$	1,554,107	6.5	%
Total risk-based capital	3,273,300		13.69		1,912,747		8.0		2,390,934		10.0
Tier 1 risk-based capital	3,034,883		12.69		1,434,560		6.0		1,912,747		8.0
Tier 1 leverage capital	3,034,883		8.72		1,392,821		4.0		1,741,026		5.0

(1)In accordance with regulatory capital rules, the Company elected an option 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 ending on December 31, 2024. Therefore, the December, 31, 2021 regulatory capital ratios and amounts exclude the impact of the increased ACL on loans and leases, HTM investment securities, and unfunded loan commitments attributed to the adoption of CECL on January 1, 2020, adjusted for an approximation of the after-tax provision for credit losses attributable to CECL relative to the incurred loss methodology during the deferral period. During the three year transition period, regulatory capital ratios will begin to phase out the aggregate amount of the regulatory capital benefit provided in the initial two years. For 2022, 2023, and 2024, the Company is allowed 75%, 50%, and 25% of the regulatory capital benefit as of December 31, 2021, respectively, with full absorption occurring in 2025.