Regulatory Requirements (Tables)

9 Months Ended

Sep. 30, 2022

Regulated Operations [Abstract]

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

The following table summarizes LC Bank’s regulatory capital amounts and ratios (in millions):

LendingClub Bank	September 30, 2022				December 31, 2021				Required Minimum plus Required CCB for Non-Leverage Ratios
	Amount		Ratio		Amount		Ratio
CET1 capital (1)	$	760.4	15.2	%	$	523.7	16.7	%	7.0	%
Tier 1 capital	$	760.4	15.2	%	$	523.7	16.7	%	8.5	%
Total capital	$	825.8	16.5	%	$	563.7	18.0	%	10.5	%
Tier 1 leverage	$	760.4	13.4	%	$	523.7	14.3	%	4.0	%
Risk-weighted assets	$	5,018.3	N/A		$	3,130.4	N/A		N/A
Quarterly adjusted average assets	$	5,692.0	N/A		$	3,667.7	N/A		N/A

N/A – Not applicable

(1)     Consists of common stockholders’ equity as defined under U.S. GAAP and certain adjustments made in accordance with regulatory capital guidelines, including the addition of the CECL transitional benefit and deductions for goodwill and other intangible assets.

The following table presents the regulatory capital and ratios of the Company (in millions):

LendingClub	September 30, 2022				December 31, 2021				Required Minimum plus Required CCB for Non-Leverage Ratios
	Amount		Ratio		Amount		Ratio
CET1 capital (1)	$	953.2	18.3	%	$	710.0	21.3	%	7.0	%
Tier 1 capital	$	953.2	18.3	%	$	710.0	21.3	%	8.5	%
Total capital	$	1,033.2	19.8	%	$	767.9	23.0	%	10.5	%
Tier 1 leverage	$	953.2	15.7	%	$	710.0	16.5	%	4.0	%
Risk-weighted assets	$	5,210.2	N/A		$	3,333.2	N/A		N/A
Quarterly adjusted average assets	$	6,061.4	N/A		$	4,301.7	N/A		N/A

N/A – Not applicable

(1)     Consists of common stockholders’ equity as defined under U.S. GAAP and certain adjustments made in accordance with regulatory capital guidelines, including the addition of the CECL transitional benefit and deductions for goodwill and other intangible assets.