American Bank of Commerce: 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 9.4% higher than in Q1 2026, at -$34.1M.
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 | 9.65% |
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 | $181.3M |
| Tier 1 capital | $181.3M |
| Total risk-based capital | — |
| Total equity capital | $147.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.92% |
| Tangible equity to tangible assets | 7.91% |
| Equity capital to average assets | 7.85% |
| Internal capital growth rate | 11.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $320K |
| Common stock surplus | $55.4M |
| Retained earnings | $125.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$34.1M |
| 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 | 11.82% | 11.82% | 12.88% | 8.49% | $1.12B |
| Q4 2023 | 12.26% | 12.26% | 13.38% | 8.74% | $1.10B |
| Q1 2024 | 12.58% | 12.58% | 13.75% | 9.03% | $1.08B |
| Q2 2024 | 12.91% | 12.91% | 14.11% | 9.41% | $1.07B |
| Q3 2024 | 12.83% | 12.83% | 13.97% | 9.27% | $1.09B |
| Q4 2024 | 12.89% | 12.89% | 13.99% | 9.41% | $1.10B |
| Q1 2025 | 12.57% | 12.57% | 13.65% | 9.48% | $1.15B |
| Q2 2025 | 13.88% | 13.88% | 14.92% | 10.43% | $1.20B |
| Q3 2025 | 13.79% | 13.79% | 14.84% | 9.96% | $1.23B |
| Q4 2025 | 13.14% | 13.14% | 14.18% | 10.06% | $1.32B |
| Q1 2026 | 12.04% | 12.04% | 13.02% | 9.90% | $1.47B |
| Q2 2026 | — | — | — | 9.65% | — |
American Bank of Commerce regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank of Commerce, 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 American Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18609) · FFIEC NIC profile (RSSD 215662)