Amg National Trust 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 climbed 2.09 percentage points in Q2 2026, from 15.04% to 17.13%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, Amg National Trust Bank is 7th of 34 on CET1 ratio, 24.32% as of Q2 2026, above the middle of the field. Against a median of 15.07% for banks in the $100M-1B asset tier, Amg National Trust Bank reported 24.32% on CET1 ratio in Q2 2026, 9.25 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.32% |
| Tier 1 risk-based capital ratio | 24.32% |
| Total risk-based capital ratio | 24.95% |
| Tier 1 leverage ratio | 15.37% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $113.8M |
| Tier 1 capital | $113.8M |
| Total risk-based capital | $116.8M |
| Total equity capital | $123.8M |
| Risk-weighted assets | $468.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.13% |
| Tangible equity to tangible assets | 15.84% |
| Equity capital to average assets | 16.47% |
| Internal capital growth rate | 15.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $21.5M |
| Retained earnings | $102.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 20.31% | 20.31% | 21.07% | 14.18% | $439.0M |
| Q4 2023 | 18.24% | 18.24% | 19.00% | 12.53% | $452.6M |
| Q1 2024 | 18.74% | 18.74% | 19.49% | 13.04% | $459.1M |
| Q2 2024 | 18.59% | 18.59% | 19.39% | 12.79% | $484.0M |
| Q3 2024 | 19.91% | 19.91% | 20.68% | 14.54% | $473.2M |
| Q4 2024 | 17.77% | 17.77% | 18.49% | 13.33% | $492.6M |
| Q1 2025 | 17.85% | 17.85% | 18.50% | 12.67% | $512.4M |
| Q2 2025 | 20.12% | 20.12% | 20.77% | 13.28% | $476.9M |
| Q3 2025 | 21.88% | 21.88% | 22.55% | 13.57% | $458.1M |
| Q4 2025 | 22.00% | 22.00% | 22.66% | 14.38% | $472.6M |
| Q1 2026 | 21.69% | 21.69% | 22.27% | 14.64% | $501.9M |
| Q2 2026 | 24.32% | 24.32% | 24.95% | 15.37% | $468.1M |
Amg National Trust Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Amg National Trust 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 Amg National Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57295) · FFIEC NIC profile (RSSD 3015939)