Acb Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which fell 3.6% to $11.7M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.24% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $17.4M |
| Tier 1 capital | $17.4M |
| Total risk-based capital | — |
| Total equity capital | $16.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.09% |
| Tangible equity to tangible assets | 12.09% |
| Equity capital to average assets | 11.50% |
| Internal capital growth rate | -10.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $5.4M |
| Retained earnings | $11.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.03% | 10.51% | 10.51% |
| Q4 2023 | 11.45% | 10.27% | 10.27% |
| Q1 2024 | 11.39% | 10.30% | 10.30% |
| Q2 2024 | 11.60% | 10.28% | 10.28% |
| Q3 2024 | 11.46% | 10.94% | 10.94% |
| Q4 2024 | 11.35% | 10.40% | 10.40% |
| Q1 2025 | 11.62% | 10.98% | 10.98% |
| Q2 2025 | 12.20% | 10.77% | 10.77% |
| Q3 2025 | 12.01% | 11.34% | 11.34% |
| Q4 2025 | 12.07% | 11.44% | 11.44% |
| Q1 2026 | 12.41% | 11.76% | 11.76% |
| Q2 2026 | 12.24% | 12.09% | 12.09% |
Acb Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Acb Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Acb Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4061) · FFIEC NIC profile (RSSD 266253)