Alton 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 largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 5.4% to $118.4M. Alton Bank has the 4th lowest CET1 ratio of the 97 banks headquartered in Missouri, at 9.77% as of Q2 2026. Alton Bank reported 9.77% on CET1 ratio for Q2 2026, 5.31 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.77% |
| Tier 1 risk-based capital ratio | 9.77% |
| Total risk-based capital ratio | 10.26% |
| Tier 1 leverage ratio | 7.96% |
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 | $11.6M |
| Tier 1 capital | $11.6M |
| Total risk-based capital | $12.2M |
| Total equity capital | $10.7M |
| Risk-weighted assets | $118.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.41% |
| Tangible equity to tangible assets | 7.41% |
| Equity capital to average assets | 7.39% |
| Internal capital growth rate | 12.44% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $100K |
| Retained earnings | $11.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$821K |
| 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 | 11.17% | 11.17% | 11.97% | 8.55% | $87.6M |
| Q4 2023 | 10.82% | 10.82% | 11.61% | 8.29% | $88.3M |
| Q1 2024 | 11.05% | 11.05% | 11.83% | 8.14% | $86.4M |
| Q2 2024 | 11.22% | 11.22% | 11.99% | 8.36% | $86.6M |
| Q3 2024 | 10.37% | 10.37% | 11.08% | 8.12% | $95.0M |
| Q4 2024 | 10.32% | 10.32% | 11.02% | 7.88% | $97.0M |
| Q1 2025 | 10.04% | 10.04% | 10.69% | 7.43% | $101.0M |
| Q2 2025 | 10.76% | 10.76% | 11.43% | 7.98% | $96.4M |
| Q3 2025 | 10.75% | 10.75% | 11.41% | 8.19% | $98.3M |
| Q4 2025 | 10.51% | 10.51% | 11.05% | 8.21% | $103.5M |
| Q1 2026 | 10.00% | 10.00% | 10.49% | 8.16% | $112.4M |
| Q2 2026 | 9.77% | 9.77% | 10.26% | 7.96% | $118.4M |
Alton Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Alton 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 Alton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8276) · FFIEC NIC profile (RSSD 881441)