Adelphi 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%.
The standout move of Q2 2026 was in Equity capital to total assets: 0.91 percentage points lower than in Q1 2026, at 15.15%.
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 | 15.82% |
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 | $18.8M |
| Tier 1 capital | $18.8M |
| Total risk-based capital | — |
| Total equity capital | $18.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.15% |
| Tangible equity to tangible assets | 15.15% |
| Equity capital to average assets | 15.88% |
| Internal capital growth rate | 0.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $23.2M |
| Retained earnings | -$6.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$80K |
| 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 | 64.74% | 60.07% | 60.07% |
| Q4 2023 | 49.26% | 46.73% | 46.73% |
| Q1 2024 | 44.93% | 41.67% | 41.67% |
| Q2 2024 | 39.60% | 38.71% | 38.71% |
| Q3 2024 | 34.46% | 31.14% | 31.14% |
| Q4 2024 | 29.93% | 28.55% | 28.55% |
| Q1 2025 | 25.98% | 24.51% | 24.51% |
| Q2 2025 | 23.51% | 21.56% | 21.56% |
| Q3 2025 | 20.59% | 20.08% | 20.08% |
| Q4 2025 | 19.62% | 17.68% | 17.68% |
| Q1 2026 | 16.52% | 16.06% | 16.06% |
| Q2 2026 | 15.82% | 15.15% | 15.15% |
Adelphi Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Adelphi 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 Adelphi Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59292) · FFIEC NIC profile (RSSD 5777549)