American Metro 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which rose 0.74 percentage points to 14.69%.
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 | 13.10% |
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 | $16.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.75% |
| Tangible equity to tangible assets | 13.75% |
| Equity capital to average assets | 14.69% |
| Internal capital growth rate | 8.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.5M |
| Common stock surplus | $20.5M |
| Retained earnings | -$7.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 20.70% | 20.70% | 21.95% | 14.03% | $56.8M |
| Q4 2023 | 19.84% | 19.84% | 21.10% | 14.49% | $60.8M |
| Q1 2024 | 19.72% | 19.72% | 20.98% | 13.81% | $62.0M |
| Q2 2024 | 18.49% | 18.49% | 19.74% | 13.56% | $67.0M |
| Q3 2024 | 16.78% | 16.78% | 18.03% | 13.15% | $74.9M |
| Q4 2024 | 15.89% | 15.89% | 17.14% | 12.60% | $80.2M |
| Q1 2025 | 15.98% | 15.98% | 17.23% | 12.37% | $81.0M |
| Q2 2025 | 15.95% | 15.95% | 17.20% | 12.68% | $83.0M |
| Q3 2025 | 15.97% | 15.97% | 17.22% | 12.61% | $84.6M |
| Q4 2025 | 15.87% | 15.87% | 17.13% | 12.31% | $86.3M |
| Q1 2026 | 16.26% | 16.26% | 17.51% | 12.40% | $86.2M |
| Q2 2026 | — | — | — | 13.10% | — |
American Metro Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Metro 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 Metro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34334) · FFIEC NIC profile (RSSD 2533043)