Regulatory Capital and Restrictions (Tables)

3 Months Ended

Mar. 31, 2025

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

Schedule of Information on Capital Ratios

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

	March 31, 2025
	Actual (1)				Minimum Requirement				Well Capitalized
(Dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
Webster Financial Corporation
CET1 Risk-Based Capital	$	6,276,086	11.25	%	$	2,510,372	4.5	%	$	3,626,093	6.5	%
Tier 1 Risk-Based Capital	6,560,065		11.76		3,347,163		6.0		4,462,884		8.0
Total Risk-Based Capital	7,788,501		13.96		4,462,884		8.0		5,578,605		10.0
Tier 1 Leverage Capital	6,560,065		8.54		3,072,950		4.0		3,841,187		5.0
Webster Bank
CET1 Risk-Based Capital	$	6,988,372	12.56	%	$	2,504,775	4.5	%	$	3,618,009	6.5	%
Tier 1 Risk-Based Capital	6,988,372		12.56		3,339,701		6.0		4,452,934		8.0
Total Risk-Based Capital	7,684,411		13.81		4,452,934		8.0		5,566,168		10.0
Tier 1 Leverage Capital	6,988,372		9.11		3,069,811		4.0		3,837,264		5.0

	December 31, 2024
	Actual (1)				Minimum Requirement				Well Capitalized
(Dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
Webster 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 Capital	6,602,855		12.06		3,286,057		6.0		4,381,409		8.0
Total Risk-Based Capital	7,800,717		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 Capital	6,847,474		12.53		3,280,042		6.0		4,373,389		8.0
Total Risk-Based Capital	7,512,143		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.