Alpine Capital 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%.
Common equity tier 1 ratio dropped 2.49 percentage points in Q2 2026, from 24.69% to 22.20%. It was the largest change from Q1 2026 among the key lines here. Within New York, Alpine Capital Bank is 21st of 82 on CET1 ratio, 22.20% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Alpine Capital Bank sits 7.13 points higher, at 22.20% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.20% |
| Tier 1 risk-based capital ratio | 22.20% |
| Total risk-based capital ratio | 23.45% |
| Tier 1 leverage ratio | 13.74% |
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 | $32.0M |
| Tier 1 capital | $32.0M |
| Total risk-based capital | $33.8M |
| Total equity capital | $33.9M |
| Risk-weighted assets | $144.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.27% |
| Tangible equity to tangible assets | 13.52% |
| Equity capital to average assets | 14.43% |
| Internal capital growth rate | -6.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.0M |
| Common stock surplus | $10.5M |
| Retained earnings | $16.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8K |
| 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 | 70.68% | 70.68% | 71.94% | 28.26% | $88.0M |
| Q4 2023 | 39.40% | 39.40% | 40.63% | 16.48% | $87.8M |
| Q1 2024 | 50.06% | 50.06% | 51.32% | 18.25% | $71.1M |
| Q2 2024 | 57.19% | 57.19% | 58.45% | 16.10% | $52.9M |
| Q3 2024 | 56.55% | 56.55% | 57.81% | 16.35% | $54.0M |
| Q4 2024 | 45.52% | 45.52% | 46.78% | 16.49% | $68.3M |
| Q1 2025 | 40.83% | 40.83% | 42.08% | 14.35% | $76.6M |
| Q2 2025 | 35.57% | 35.57% | 36.82% | 15.48% | $88.5M |
| Q3 2025 | 29.96% | 29.96% | 31.21% | 15.55% | $105.6M |
| Q4 2025 | 28.82% | 28.82% | 30.07% | 15.06% | $110.8M |
| Q1 2026 | 24.69% | 24.69% | 25.94% | 14.59% | $131.1M |
| Q2 2026 | 22.20% | 22.20% | 23.45% | 13.74% | $144.0M |
Alpine Capital Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Alpine Capital 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 Alpine Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35377) · FFIEC NIC profile (RSSD 2889227)