Regulatory Capital and Restrictions (Tables)

3 Months Ended

Mar. 31, 2024

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 March 31, 2024
	Actual (1)				Minimum Requirement				Well Capitalized
(Dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
Webster Financial Corporation
CET1 Risk-Based Capital	$	5,923,041	10.57	%	$	2,521,412	4.5	%	$	3,642,040	6.5	%
Tier 1 Risk-Based Capital	6,207,020		11.08		3,361,883		6.0		4,482,510		8.0
Total Risk-Based Capital	7,400,017		13.21		4,482,510		8.0		5,603,138		10.0
Tier 1 Leverage Capital	6,207,020		8.51		2,916,558		4.0		3,645,697		5.0
Webster Bank
CET1 Risk-Based Capital	$	6,588,389	11.78	%	$	2,516,948	4.5	%	$	3,635,591	6.5	%
Tier 1 Risk-Based Capital	6,588,389		11.78		3,355,930		6.0		4,474,574		8.0
Total Risk-Based Capital	7,191,796		12.86		4,474,574		8.0		5,593,217		10.0
Tier 1 Leverage Capital	6,588,389		9.04		2,913,783		4.0		3,642,229		5.0

	At December 31, 2023
	Actual (1)				Minimum Requirement				Well Capitalized
(Dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
Webster Financial Corporation
CET1 Risk-Based Capital	$	6,188,433	11.11	%	$	2,507,190	4.5	%	$	3,621,497	6.5	%
Tier 1 Risk-Based Capital	6,472,412		11.62		3,342,920		6.0		4,457,227		8.0
Total Risk-Based Capital	7,643,423		13.72		4,457,227		8.0		5,571,534		10.0
Tier 1 Leverage Capital	6,472,412		9.06		2,857,890		4.0		3,572,362		5.0
Webster Bank
CET1 Risk-Based Capital	$	6,913,443	12.43	%	$	2,502,835	4.5	%	$	3,615,206	6.5	%
Tier 1 Risk-Based Capital	6,913,443		12.43		3,337,113		6.0		4,449,484		8.0
Total Risk-Based Capital	7,494,332		13.47		4,449,484		8.0		5,561,855		10.0
Tier 1 Leverage Capital	6,913,443		9.69		2,855,212		4.0		3,569,015		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.