American Continental 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, Retained earnings rose 3.4% in Q2 2026 to $41.4M, the biggest move on this page.
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 | 16.23% |
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 | $61.6M |
| Tier 1 capital | $61.6M |
| Total risk-based capital | — |
| Total equity capital | $62.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.23% |
| Tangible equity to tangible assets | 16.04% |
| Equity capital to average assets | 16.43% |
| Internal capital growth rate | 8.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $20.6M |
| Common stock surplus | $544K |
| Retained earnings | $41.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $11K |
| 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 | 14.19% | 14.79% | 14.40% |
| Q4 2023 | 14.65% | 14.69% | 14.35% |
| Q1 2024 | 14.91% | 15.39% | 15.09% |
| Q2 2024 | 15.25% | 15.38% | 15.12% |
| Q3 2024 | 15.16% | 15.22% | 14.98% |
| Q4 2024 | 15.27% | 15.56% | 15.31% |
| Q1 2025 | 15.45% | 15.62% | 15.38% |
| Q2 2025 | 15.67% | 16.00% | 15.79% |
| Q3 2025 | 15.84% | 15.68% | 15.46% |
| Q4 2025 | 15.54% | 15.78% | 15.59% |
| Q1 2026 | 16.07% | 16.13% | 15.93% |
| Q2 2026 | 16.23% | 16.23% | 16.04% |
American Continental Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Continental 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 Continental Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57444) · FFIEC NIC profile (RSSD 3216316)