American Business 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%.
Compared with Q1 2026, Accumulated other comprehensive income rose 5.8% in Q2 2026 to -$50.9M, the biggest move on this page. American Business Bank ranks 64th of 74 California banks on CET1 ratio, in the lower half at 12.35% (Q2 2026). American Business Bank reported 12.35% on CET1 ratio for Q2 2026, 1.13 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.35% |
| Tier 1 risk-based capital ratio | 12.35% |
| Total risk-based capital ratio | 13.24% |
| Tier 1 leverage ratio | 11.01% |
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 | $487.5M |
| Tier 1 capital | $487.5M |
| Total risk-based capital | $522.8M |
| Total equity capital | $436.7M |
| Risk-weighted assets | $3.95B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.89% |
| Tangible equity to tangible assets | 9.88% |
| Equity capital to average assets | 9.86% |
| Internal capital growth rate | 12.83% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $137.8M |
| Common stock surplus | $58.1M |
| Retained earnings | $291.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$50.9M |
| 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 | 11.73% | 11.73% | 12.66% | 9.41% | $3.18B |
| Q4 2023 | 11.47% | 11.47% | 12.37% | 9.64% | $3.35B |
| Q1 2024 | 11.72% | 11.72% | 12.62% | 9.99% | $3.37B |
| Q2 2024 | 11.94% | 11.94% | 12.84% | 10.14% | $3.40B |
| Q3 2024 | 12.11% | 12.11% | 12.99% | 10.17% | $3.44B |
| Q4 2024 | 12.14% | 12.14% | 13.02% | 10.21% | $3.54B |
| Q1 2025 | 11.96% | 11.96% | 12.84% | 10.44% | $3.65B |
| Q2 2025 | 11.92% | 11.92% | 12.80% | 10.45% | $3.72B |
| Q3 2025 | 12.09% | 12.09% | 12.96% | 10.22% | $3.75B |
| Q4 2025 | 12.11% | 12.11% | 13.00% | 10.29% | $3.83B |
| Q1 2026 | 12.14% | 12.14% | 13.03% | 10.76% | $3.92B |
| Q2 2026 | 12.35% | 12.35% | 13.24% | 11.01% | $3.95B |
American Business Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Business 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 American Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34788) · FFIEC NIC profile (RSSD 2734729)