Americana 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 Accumulated other comprehensive income: 8.7% lower than in Q1 2026, at -$1.3M.
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 | 11.66% |
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 | $20.7M |
| Tier 1 capital | $20.7M |
| Total risk-based capital | — |
| Total equity capital | $19.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.81% |
| Tangible equity to tangible assets | 10.81% |
| Equity capital to average assets | 10.92% |
| Internal capital growth rate | 4.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $21.4M |
| Retained earnings | -$732K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 13.03% | 13.03% | 14.06% | 10.93% | $139.4M |
| Q4 2023 | 12.82% | 12.82% | 13.88% | 10.91% | $143.7M |
| Q1 2024 | 12.61% | 12.61% | 13.64% | 10.87% | $147.9M |
| Q2 2024 | 12.47% | 12.47% | 13.51% | 10.78% | $150.7M |
| Q3 2024 | 13.01% | 13.01% | 14.07% | 10.79% | $146.4M |
| Q4 2024 | 13.01% | 13.01% | 14.06% | 10.72% | $148.3M |
| Q1 2025 | 12.91% | 12.91% | 13.94% | 11.10% | $151.4M |
| Q2 2025 | 12.71% | 12.71% | 13.74% | 11.09% | $155.6M |
| Q3 2025 | 13.00% | 13.00% | 14.07% | 11.19% | $154.4M |
| Q4 2025 | — | — | — | 11.50% | — |
| Q1 2026 | — | — | — | 11.67% | — |
| Q2 2026 | — | — | — | 11.66% | — |
Americana Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Americana 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 Americana Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8205) · FFIEC NIC profile (RSSD 201254)