Adrian 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 standout move of Q2 2026 was in Equity capital to total assets: 0.80 percentage points higher than in Q1 2026, at 11.09%.
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 | 12.56% |
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 | $25.4M |
| Tier 1 capital | $25.4M |
| Total risk-based capital | — |
| Total equity capital | $21.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.09% |
| Tangible equity to tangible assets | 11.09% |
| Equity capital to average assets | 10.70% |
| Internal capital growth rate | 18.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $600K |
| Retained earnings | $24.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.8M |
| 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 | 21.20% | 21.20% | 22.45% | 11.62% | $98.6M |
| Q4 2023 | 20.55% | 20.55% | 21.80% | 11.49% | $101.2M |
| Q1 2024 | 20.82% | 20.82% | 22.08% | 11.73% | $102.3M |
| Q2 2024 | 20.60% | 20.60% | 21.85% | 11.89% | $106.0M |
| Q3 2024 | 20.61% | 20.61% | 21.86% | 12.09% | $107.8M |
| Q4 2024 | 20.29% | 20.29% | 21.54% | 11.98% | $109.5M |
| Q1 2025 | 20.81% | 20.81% | 22.06% | 12.21% | $109.3M |
| Q2 2025 | 21.42% | 21.42% | 22.67% | 12.61% | $110.0M |
| Q3 2025 | 21.17% | 21.17% | 22.43% | 12.53% | $113.1M |
| Q4 2025 | 20.69% | 20.69% | 21.95% | 12.28% | $114.9M |
| Q1 2026 | 21.62% | 21.62% | 22.88% | 12.55% | $114.9M |
| Q2 2026 | — | — | — | 12.56% | — |
Adrian Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Adrian 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 Adrian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8251) · FFIEC NIC profile (RSSD 94858)