American Commercial Bank & Trust, N.A.: 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%.
Accumulated other comprehensive income dropped 8.3% in Q2 2026, from -$3.8M to -$4.1M. 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 | 9.34% |
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 | $191.3M |
| Tier 1 capital | $191.3M |
| Total risk-based capital | — |
| Total equity capital | $188.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.13% |
| Tangible equity to tangible assets | 9.02% |
| Equity capital to average assets | 9.21% |
| Internal capital growth rate | 16.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $750K |
| Common stock surplus | $63.2M |
| Retained earnings | $129.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.1M |
| 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 | 9.76% | 9.76% | 11.02% | 8.75% | $1.30B |
| Q4 2023 | 9.57% | 9.57% | 10.82% | 8.95% | $1.37B |
| Q1 2024 | 9.74% | 9.74% | 10.99% | 8.97% | $1.40B |
| Q2 2024 | 9.62% | 9.62% | 10.88% | 8.90% | $1.47B |
| Q3 2024 | 9.82% | 9.82% | 11.07% | 8.81% | $1.48B |
| Q4 2024 | 9.75% | 9.75% | 11.00% | 9.06% | $1.56B |
| Q1 2025 | 9.98% | 9.98% | 11.23% | 9.13% | $1.59B |
| Q2 2025 | 9.92% | 9.92% | 11.17% | 9.12% | $1.66B |
| Q3 2025 | 10.15% | 10.15% | 11.41% | 9.04% | $1.69B |
| Q4 2025 | 9.99% | 9.99% | 11.25% | 9.08% | $1.79B |
| Q1 2026 | 10.45% | 10.45% | 11.70% | 9.10% | $1.76B |
| Q2 2026 | — | — | — | 9.34% | — |
American Commercial Bank & Trust, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Commercial Bank & Trust, N.A., 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 Commercial Bank & Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3719) · FFIEC NIC profile (RSSD 856243)