Regulatory Capital and Restrictions (Tables)

6 Months Ended

Jun. 30, 2023

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

Information On The Capital Ratios

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

	At June 30, 2023
	Actual (1)				Minimum Requirement				Well Capitalized
(Dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
Webster Financial Corporation
CET1 risk-based capital	$	5,923,265	10.65	%	$	2,502,484	4.5	%	$	3,614,699	6.5	%
Total risk-based capital	7,368,290		13.25		4,448,860		8.0		5,561,075		10.0
Tier 1 risk-based capital	6,207,244		11.16		3,336,645		6.0		4,448,860		8.0
Tier 1 leverage capital	6,207,244		8.36		2,969,294		4.0		3,711,617		5.0
Webster Bank
CET1 risk-based capital	$	6,780,817	12.21	%	$	2,498,477	4.5	%	$	3,608,911	6.5	%
Total risk-based capital	7,350,677		13.24		4,441,736		8.0		5,552,170		10.0
Tier 1 risk-based capital	6,780,817		12.21		3,331,302		6.0		4,441,736		8.0
Tier 1 leverage capital	6,780,817		9.14		2,967,209		4.0		3,709,012		5.0

	At December 31, 2022
	Actual (1)				Minimum Requirement				Well Capitalized
(Dollars 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

(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. During the three-year transition period, regulatory capital ratios will phase out the aggregate amount of the regulatory capital benefit provided from the delayed CECL adoption in the initial two years. For 2022, 2023, and 2024, the Company is allowed 75%, 50%, and 25%, respectively, of the regulatory capital benefit as of December 31, 2021, with full absorption occurring in 2025.