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


	June 30, 2026
	Actual				Minimum Requirement				Well Capitalized
(Dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio










Webster Financial Corporation
CET1 Risk-Based Capital	$	6,826,758	11.71	%	$	2,623,056	4.5	%	$	3,788,859	6.5	%
Tier 1 Risk-Based Capital	7,110,737		12.20		3,497,408		6.0		4,663,211		8.0
Total Risk-Based Capital	8,254,693		14.16		4,663,211		8.0		5,829,014		10.0
Tier 1 Leverage Ratio	7,110,737		8.48		3,353,890		4.0		4,192,362		5.0
Webster Bank
CET1 Risk-Based Capital	$	7,134,807	12.23	%	$	2,625,165	4.5	%	$	3,791,905	6.5	%
Tier 1 Risk-Based Capital	7,134,807		12.23		3,500,220		6.0		4,666,959		8.0
Total Risk-Based Capital	7,855,305		13.47		4,666,959		8.0		5,833,699		10.0
Tier 1 Leverage Ratio	7,134,807		8.51		3,351,691		4.0		4,189,614		5.0


	December 31, 2025
	Actual				Minimum Requirement				Well Capitalized
(Dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
Webster Financial Corporation
CET1 Risk-Based Capital	$	6,441,440	11.20	%	$	2,588,039	4.5	%	$	3,738,279	6.5	%
Tier 1 Risk-Based Capital	6,725,419		11.69		3,450,719		6.0		4,600,959		8.0
Total Risk-Based Capital	7,861,688		13.67		4,600,959		8.0		5,751,199		10.0
Tier 1 Leverage Ratio	6,725,419		8.33		3,230,039		4.0		4,037,549		5.0
Webster Bank
CET1 Risk-Based Capital	$	7,007,352	12.19	%	$	2,586,346	4.5	%	$	3,735,833	6.5	%
Tier 1 Risk-Based Capital	7,007,352		12.19		3,448,461		6.0		4,597,948		8.0
Total Risk-Based Capital	7,720,373		13.43		4,597,948		8.0		5,747,435		10.0
Tier 1 Leverage Ratio	7,007,352		8.69		3,226,561		4.0		4,033,202		5.0