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Banner Corporation BANR Tier 1 Leverage Adequacy Requirement

Tier 1 Leverage Adequacy Requirement at other companies

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Customers BancorpCUBI
$1.02B+13.3%

Other financials

Income statement

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Revenue$11.4M+9.5%
Operating income$19.2M+0.3%
Net income$54.7M+21.2%
EPS (diluted)$1.60+23.1%

Balance sheet

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Cash & equivalents$439.2M-0.6%
Total debt$33.8M-16.5%
Total equity$2.0B+7.3%
Total assets$16.3B+1.1%

Cash flow

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Operating cash flow$109.8M+91.9%
CapEx$420.0K-74.7%
Free cash flow$109.4M+96.9%

Valuation

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Market cap$2.43B+12.5%
Enterprise value$2.02B+17.9%
P/E11.8×0.0×

Returns & leverage

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Return on equity10.8%+0.7pp
Debt / equity0.0×

Where this comes from

Reported directly by Banner Corporation in its filing.

Tagged under the XBRL concept us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy.

The source filing: Banner Corporation’s 10-K, filed February 25, 2026.

Filed
Feb 25, 2026, 5:07 PM EST
Fiscal year
FY2025
Accession
0000946673-26-000009
December 31, 2025:Actual / AmountActual / RatioMinimum for Capital Adequacy Purposes / AmountMinimum for Capital Adequacy Purposes / RatioMinimum to be Categorized as “Well Capitalized” Under Prompt Corrective Action Provisions / AmountMinimum to be Categorized as “Well Capitalized” Under Prompt Corrective Action Provisions / Ratio
Banner Corporation—consolidated:
Total capital to risk-weighted assets$2,033,80714.69%$1,107,9058.00%$1,384,88110.00%
Tier 1 capital to risk-weighted assets1,860,66713.44830,9296.00830,9296.00
Tier 1 capital to average leverage assets1,860,66711.41652,1404.00n/an/a
Tier 1 common equity to risk-weighted assets1,774,16712.81623,1974.50n/an/a
Banner Bank:
Total capital to risk-weighted assets1,957,61914.141,107,3088.001,384,13510.00
Tier 1 capital to risk-weighted assets1,784,57112.89830,4816.001,107,3088.00

ITEM 8 – Financial Statements and Supplementary Data

FAQ

What is Banner Corporation's tier 1 leverage adequacy requirement?
Banner Corporation (BANR) reported tier 1 leverage adequacy requirement of $652.14M in Q4 2025.
How has Banner Corporation's tier 1 leverage adequacy requirement changed year-over-year?
Banner Corporation's tier 1 leverage adequacy requirement increased by 2.4% year-over-year, from $636.91M to $652.14M.
What is the long-term trend for Banner Corporation's tier 1 leverage adequacy requirement?
Over 5 years (2020 to 2025), Banner Corporation's tier 1 leverage adequacy requirement has grown at a 2.5% compound annual growth rate (CAGR), from $577.33M to $652.14M.
What does tier 1 leverage adequacy requirement mean?
This represents the minimum amount of Tier 1 capital required to satisfy regulatory leverage adequacy standards, independent of risk-weighted asset calculations. It acts as a non-risk-based backstop to ensure the bank maintains sufficient equity relative to its total exposure. This metric is vital for evaluating the bank's overall balance sheet leverage and capital adequacy.

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