Adp Trust Company N.A.: 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%.
Common equity tier 1 ratio climbed 200.81 percentage points in Q2 2026, from 442.61% to 643.42%. It was the largest change from Q1 2026 among the key lines here. Adp Trust Company N.A.'s CET1 ratio of 643.42% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 623.86 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 643.42% |
| Tier 1 risk-based capital ratio | 643.42% |
| Total risk-based capital ratio | 643.42% |
| Tier 1 leverage ratio | 94.43% |
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 | $43.3M |
| Tier 1 capital | $43.3M |
| Total risk-based capital | $43.3M |
| Total equity capital | $43.3M |
| Risk-weighted assets | $6.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 88.61% |
| Tangible equity to tangible assets | 88.61% |
| Equity capital to average assets | 94.43% |
| Internal capital growth rate | 77.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $13.5M |
| Retained earnings | $29.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 939.56% | 939.56% | 939.56% | 98.20% | $4.6M |
| Q4 2023 | 511.45% | 511.45% | 511.45% | 55.93% | $5.1M |
| Q1 2024 | 509.20% | 509.20% | 509.20% | 99.90% | $6.6M |
| Q2 2024 | 807.10% | 807.10% | 807.10% | 96.46% | $4.9M |
| Q3 2024 | 937.91% | 937.91% | 937.91% | 99.28% | $4.8M |
| Q4 2024 | 404.30% | 404.30% | 404.30% | 55.38% | $6.7M |
| Q1 2025 | 448.53% | 448.53% | 448.53% | 98.55% | $7.8M |
| Q2 2025 | 596.59% | 596.59% | 596.59% | 93.98% | $7.0M |
| Q3 2025 | 705.05% | 705.05% | 705.05% | 94.84% | $6.8M |
| Q4 2025 | 366.43% | 366.43% | 366.43% | 54.44% | $7.6M |
| Q1 2026 | 442.61% | 442.61% | 442.61% | 98.94% | $8.2M |
| Q2 2026 | 643.42% | 643.42% | 643.42% | 94.43% | $6.7M |
Adp Trust Company N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Adp Trust Company N.A., 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 Adp Trust Company N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 5397639)