Excess capital above regulatory minimums, paired with liquidity ratios comfortably above requirements, gives management flexibility to return capital through buybacks and dividends while maintaining a cushion to absorb unexpected losses or regulatory changes.
the thesis · admitted · the reason above is the thesis, not printed twice
no findingread · nothing bore on it
It held on this filing. No finding was written because nothing in it bore on the reason — the sentences it was read against are below.
the evidence · every sentence checkedfour sentences · whole, uncut
the claims it rests on · in our words, not the filing’s
At June 30, 2026, the Corporation's CET1 capital ratio was 11.2 percent under the Standardized approach, compared to a minimum CET1 requirement of 10.0 percent.