American Community 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%.
The standout move of Q2 2026 was in Equity capital to total assets: 1.22 percentage points higher than in Q1 2026, at 13.26%.
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 | 13.37% |
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 | $42.1M |
| Tier 1 capital | $42.1M |
| Total risk-based capital | — |
| Total equity capital | $40.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.26% |
| Tangible equity to tangible assets | 13.26% |
| Equity capital to average assets | 12.92% |
| Internal capital growth rate | 10.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9.8M |
| Common stock surplus | $10.8M |
| Retained earnings | $21.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 14.06% | 12.92% | 12.92% |
| Q4 2023 | 13.74% | 12.85% | 12.85% |
| Q1 2024 | 13.27% | 12.21% | 12.21% |
| Q2 2024 | 13.15% | 12.25% | 12.25% |
| Q3 2024 | 13.31% | 12.17% | 12.17% |
| Q4 2024 | 13.31% | 12.86% | 12.86% |
| Q1 2025 | 13.03% | 12.41% | 12.41% |
| Q2 2025 | 13.27% | 12.67% | 12.67% |
| Q3 2025 | 13.16% | 12.81% | 12.81% |
| Q4 2025 | 12.60% | 12.21% | 12.21% |
| Q1 2026 | 12.54% | 12.04% | 12.04% |
| Q2 2026 | 13.37% | 13.26% | 13.26% |
American Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35033) · FFIEC NIC profile (RSSD 2871558)