American Exchange 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%.
Equity capital to total assets rose 0.46 percentage points from Q1 2026 to Q2 2026, ending at 13.43% against 12.97%. It was the largest change among the key lines 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 | 13.54% |
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 | $14.3M |
| Tier 1 capital | $14.3M |
| Total risk-based capital | — |
| Total equity capital | $13.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.43% |
| Tangible equity to tangible assets | 13.43% |
| Equity capital to average assets | 13.20% |
| Internal capital growth rate | 8.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $4.0M |
| Retained earnings | $8.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$358K |
| 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 | 11.18% | 10.19% | 10.19% |
| Q4 2023 | 11.08% | 10.47% | 10.47% |
| Q1 2024 | 10.71% | 9.86% | 9.86% |
| Q2 2024 | 10.72% | 10.07% | 10.07% |
| Q3 2024 | 12.31% | 12.05% | 12.05% |
| Q4 2024 | 14.01% | 13.47% | 13.47% |
| Q1 2025 | 13.56% | 12.97% | 12.97% |
| Q2 2025 | 13.38% | 12.99% | 12.99% |
| Q3 2025 | 14.07% | 14.04% | 14.04% |
| Q4 2025 | 14.46% | 14.07% | 14.07% |
| Q1 2026 | 13.55% | 12.97% | 12.97% |
| Q2 2026 | 13.54% | 13.43% | 13.43% |
American Exchange Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 428) · FFIEC NIC profile (RSSD 811550)