Data source: Metrics for European banks are sourced from 2025 annual reports and ECB/EBA Pillar 3 disclosures. Figures are updated semi-annually as regulatory filings are published — not via real-time API like US banks (FDIC).
Banco Sabadell
SABCET1 Ratio
Common Equity Tier 1 / RWA
Risk-Weighted Assets
+0.90% QoQ growth
Total Loan Book
+3.4% YoY growth
Leverage Ratio
Tier 1 / Average assets
CET1 Ratio Trend
8 quarters · regulatory minimum 8% · scoring threshold 12%
RWA Growth
Bars = total ($B) · Line = QoQ growth %
Loan Book Composition
Latest quarter · 2025-Q4
Metric History
12 quarters · FDIC Call Report data
| Quarter | CET1 % | Leverage % | RWA | Loan Book | Loans YoY | RWA QoQ | CRE % | Consumer % | SME % | SRT Score |
|---|---|---|---|---|---|---|---|---|---|---|
| 2025-Q4latest | 13.00% | 4.80% | $87.2B | $171.4B | +3.4% | +0.90% | 22.0% | 15.0% | 40.0% | 38 |
| 2025-Q3 | 12.80% | 4.70% | $86.4B | $170.2B | +2.7% | +1.10% | 22.0% | 15.0% | 40.0% | 44 |
| 2025-Q2 | 13.06% | 4.60% | $79.2B | $168.8B | +1.9% | +1.20% | 22.0% | 15.0% | 40.0% | 44 |
| 2025-Q1 | 12.40% | 4.50% | $84.5B | $167.3B | +1.0% | +1.30% | 22.0% | 15.0% | 40.0% | 44 |
| 2024-Q4 | 12.10% | 4.40% | $83.4B | $165.7B | +3.6% | +1.20% | 22.0% | 15.0% | 40.0% | 42 |
| 2024-Q3 | 12.20% | 4.50% | $82.4B | $164.2B | +3.5% | +1.20% | 22.0% | 15.0% | 40.0% | 36 |
| 2024-Q2 | 12.30% | 4.60% | $81.4B | $162.8B | +3.4% | +1.10% | 22.0% | 15.0% | 39.0% | 36 |
| 2024-Q1 | 12.40% | 4.70% | $80.5B | $161.4B | +3.3% | +1.10% | 22.0% | 15.0% | 39.0% | 36 |
| 2023-Q4 | 12.50% | 4.80% | $79.6B | $160.0B | +4.6% | +1.10% | 22.0% | 14.0% | 39.0% | 36 |
| 2023-Q3 | 12.60% | 4.90% | $78.7B | $158.7B | +4.5% | +1.00% | 22.0% | 14.0% | 39.0% | 34 |
| 2023-Q2 | 12.70% | 5.00% | $77.9B | $157.5B | +4.3% | +0.90% | 22.0% | 14.0% | 38.0% | 31 |
| 2023-Q1 | 12.80% | 5.10% | $77.2B | $156.3B | +4.1% | +0.70% | 22.0% | 14.0% | 38.0% | 31 |
AI Investment Memo
Llama will analyze Banco Sabadell across 4 data dimensions and write a structured memo
Click Generate Analysis to create an investment memo
Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks
Score Breakdown
Live score · base 36 pts +2 macro adj
CET1 13.00% — approaching comfort floor
-1.00pp headroom above 8% regulatory floor
Leverage ratio 4.80% — moderate constraint
Loan book grew 3.4% YoY
RWA grew 0.9% QoQ
CRE: 22%, Lev.Loans: 0%, max(Consumer/SME): 40%
No prior SRT deals on record
Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts
$50B–$500B total assets — sweet spot: capital pressure + sourcing alpha
Sentiment +6/20 · global +2 pts