Albany Bank & Trust Co., 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%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.31 percentage points to 17.23%.
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 | 16.98% |
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 | $123.4M |
| Tier 1 capital | $123.4M |
| Total risk-based capital | — |
| Total equity capital | $124.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.23% |
| Tangible equity to tangible assets | 17.10% |
| Equity capital to average assets | 17.09% |
| Internal capital growth rate | 3.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $5.8M |
| Retained earnings | $118.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$122K |
| 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 | 15.83% | 15.74% | 15.61% |
| Q4 2023 | 15.39% | 15.49% | 15.36% |
| Q1 2024 | 15.93% | 16.32% | 16.19% |
| Q2 2024 | 16.27% | 16.41% | 16.28% |
| Q3 2024 | 16.56% | 16.74% | 16.61% |
| Q4 2024 | 16.45% | 16.69% | 16.56% |
| Q1 2025 | 16.76% | 16.91% | 16.78% |
| Q2 2025 | 16.72% | 16.90% | 16.77% |
| Q3 2025 | 16.54% | 16.68% | 16.56% |
| Q4 2025 | 16.50% | 16.80% | 16.68% |
| Q1 2026 | 16.69% | 16.92% | 16.80% |
| Q2 2026 | 16.98% | 17.23% | 17.10% |
Albany Bank & Trust Co., N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Albany Bank & Trust Co., 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 Albany Bank & Trust Co., N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17230) · FFIEC NIC profile (RSSD 2732)