Adams County 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.46 percentage points in Q2 2026 to 10.32%, the biggest move on this page. Adams County Bank ranks 16th of 57 Nebraska banks on CET1 ratio, in the upper half at 16.81% (Q2 2026). Adams County Bank reported 16.81% on CET1 ratio for Q2 2026, 1.74 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.81% |
| Tier 1 risk-based capital ratio | 16.81% |
| Total risk-based capital ratio | 17.84% |
| Tier 1 leverage ratio | 11.82% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $28.5M |
| Tier 1 capital | $28.5M |
| Total risk-based capital | $30.2M |
| Total equity capital | $24.9M |
| Risk-weighted assets | $169.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.32% |
| Tangible equity to tangible assets | 10.32% |
| Equity capital to average assets | 10.32% |
| Internal capital growth rate | 19.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $1.7M |
| Retained earnings | $26.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.6M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.24% | 14.24% | 14.97% | 10.58% | $163.4M |
| Q4 2023 | 13.98% | 13.98% | 14.68% | 10.52% | $169.9M |
| Q1 2024 | 14.20% | 14.20% | 14.92% | 10.38% | $166.7M |
| Q2 2024 | 13.82% | 13.82% | 14.50% | 10.61% | $177.4M |
| Q3 2024 | 14.38% | 14.38% | 15.06% | 10.81% | $176.9M |
| Q4 2024 | 14.07% | 14.07% | 14.87% | 10.79% | $181.1M |
| Q1 2025 | 14.71% | 14.71% | 15.55% | 10.61% | $171.8M |
| Q2 2025 | 15.21% | 15.21% | 16.04% | 10.99% | $172.7M |
| Q3 2025 | 15.06% | 15.06% | 15.86% | 11.69% | $181.4M |
| Q4 2025 | 15.56% | 15.56% | 16.54% | 11.62% | $177.8M |
| Q1 2026 | 16.28% | 16.28% | 17.33% | 11.44% | $168.0M |
| Q2 2026 | 16.81% | 16.81% | 17.84% | 11.82% | $169.5M |
Adams County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Adams County 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 Adams County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14311) · FFIEC NIC profile (RSSD 9553)