Regulatory Capital

12 Months Ended

Dec. 31, 2021

Brokers and Dealers [Abstract]

Regulatory Capital

Regulatory Capital

The Company is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a material effect on the Company's operations and financial statements. Under capital adequacy guidelines, the Company must meet specific capital guidelines that involve quantitative measures of the Company's assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company's capital amounts and classifications are also subject to qualitative judgments by the regulators about risk components, asset risk weighting, and other factors.

Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total capital, Tier 1 capital and Tier 1 common to risk-weighted assets (as defined in the regulations), and of Tier 1 capital to average assets (as defined in the regulations). Management believes, as of December 31, 2021, that the Company meets all capital adequacy requirements to which it is subject.

The following table shows the Company's consolidated and the Bank's capital adequacy ratios compared to the regulatory minimum capital ratio and the regulatory minimum capital ratio needed to qualify as a "well-capitalized" institution, as calculated under regulatory guidelines of Basel III at December 31, 2021 and 2020:

	Actual				For Capital Adequacy Purposes				To be Well Capitalized
(dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
December 31, 2021
Total Capital (to Risk Weighted Assets)
Consolidated	$	3,429,047	14.26	%	$	1,923,934	8.00	%	$	2,404,917	10.00	%
Umpqua Bank	$	3,085,848	12.83	%	$	1,924,015	8.00	%	$	2,405,019	10.00	%
Tier 1 Capital (to Risk Weighted Assets)
Consolidated	$	2,785,794	11.58	%	$	1,442,950	6.00	%	$	1,923,934	8.00	%
Umpqua Bank	$	2,893,593	12.03	%	$	1,443,011	6.00	%	$	1,924,015	8.00	%
Tier 1 Common (to Risk Weighted Assets)
Consolidated	$	2,785,794	11.58	%	$	1,082,213	4.50	%	$	1,563,196	6.50	%
Umpqua Bank	$	2,893,593	12.03	%	$	1,082,258	4.50	%	$	1,563,262	6.50	%
Tier 1 Capital (to Average Assets)
Consolidated	$	2,785,794	9.01	%	$	1,236,265	4.00	%	$	1,545,331	5.00	%
Umpqua Bank	$	2,893,593	9.36	%	$	1,236,518	4.00	%	$	1,545,648	5.00	%
December 31, 2020
Total Capital (to Risk Weighted Assets)
Consolidated	$	3,347,926	15.63	%	$	1,713,891	8.00	%	$	2,142,364	10.00	%
Umpqua Bank	$	3,134,116	14.63	%	$	1,713,809	8.00	%	$	2,142,262	10.00	%
Tier 1 Capital (to Risk Weighted Assets)
Consolidated	$	2,636,194	12.31	%	$	1,285,418	6.00	%	$	1,713,891	8.00	%
Umpqua Bank	$	2,873,383	13.41	%	$	1,285,357	6.00	%	$	1,713,809	8.00	%
Tier 1 Common (to Risk Weighted Assets)
Consolidated	$	2,636,194	12.31	%	$	964,064	4.50	%	$	1,392,536	6.50	%
Umpqua Bank	$	2,873,383	13.41	%	$	964,018	4.50	%	$	1,392,470	6.50	%
Tier 1 Capital (to Average Assets)
Consolidated	$	2,636,194	8.98	%	$	1,174,129	4.00	%	$	1,467,661	5.00	%
Umpqua Bank	$	2,873,383	9.79	%	$	1,174,065	4.00	%	$	1,467,581	5.00	%