JPMorgan Chase surpassed the Collins floor, a key regulatory capital requirement. This marks the first time in nine years the bank achieved this milestone.
The bank's internally modeled risk-weighted assets (RWAs) rose 6.1%. These RWAs reached $2.05 trillion in the fourth quarter of 2025.
Internally modeled RWAs now exceed the standardized approach calculation. The standardized approach RWAs stood at $1.98 trillion.
The Collins floor mandates that a bank's capital must meet the standardized calculation minimum. Surpassing this constraint suggests the bank's internal risk models now generate a higher capital requirement than the standardized floor.