Altos 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%.
Tangible equity to tangible assets dropped 7.01 percentage points in Q2 2026, from 32.21% to 25.20%. It was the largest change from Q1 2026 among the key lines here.
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 | 28.45% |
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 | $17.3M |
| Tier 1 capital | $17.3M |
| Total risk-based capital | — |
| Total equity capital | $17.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 25.26% |
| Tangible equity to tangible assets | 25.20% |
| Equity capital to average assets | 28.50% |
| Internal capital growth rate | -25.61% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $29.7M |
| Retained earnings | -$12.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 7 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 |
|---|---|---|---|
| Q4 2024 | 85.41% | 90.22% | 90.22% |
| Q1 2025 | 85.74% | 80.46% | 80.46% |
| Q2 2025 | 67.42% | 53.86% | 53.86% |
| Q3 2025 | 52.58% | 49.71% | 49.71% |
| Q4 2025 | 44.77% | 36.92% | 36.92% |
| Q1 2026 | 33.44% | 32.21% | 32.21% |
| Q2 2026 | 28.45% | 25.26% | 25.20% |
Altos Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Altos 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 Altos Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59339) · FFIEC NIC profile (RSSD 5861541)