Andrew Johnson 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 total assets, which rose 0.69 percentage points to 10.16%. Within Tennessee, Andrew Johnson Bank is 19th of 71 on CET1 ratio, 16.10% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Andrew Johnson Bank sits 1.03 points higher, at 16.10% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.10% |
| Tier 1 risk-based capital ratio | 16.10% |
| Total risk-based capital ratio | 17.36% |
| Tier 1 leverage ratio | 11.24% |
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 | $69.6M |
| Tier 1 capital | $69.6M |
| Total risk-based capital | $75.0M |
| Total equity capital | $62.2M |
| Risk-weighted assets | $432.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.16% |
| Tangible equity to tangible assets | 10.16% |
| Equity capital to average assets | 10.04% |
| Internal capital growth rate | 16.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $549K |
| Common stock surplus | $2.5M |
| Retained earnings | $66.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.4M |
| 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 | 13.72% | 13.72% | 14.97% | 10.08% | $397.4M |
| Q4 2023 | 13.90% | 13.90% | 15.15% | 10.12% | $401.4M |
| Q1 2024 | 14.09% | 14.09% | 15.35% | 9.94% | $396.9M |
| Q2 2024 | 14.20% | 14.20% | 15.46% | 9.90% | $404.3M |
| Q3 2024 | 14.44% | 14.44% | 15.69% | 9.93% | $403.7M |
| Q4 2024 | 14.74% | 14.74% | 15.99% | 10.16% | $407.3M |
| Q1 2025 | 14.83% | 14.83% | 16.08% | 10.30% | $409.5M |
| Q2 2025 | 14.80% | 14.80% | 16.06% | 10.29% | $424.2M |
| Q3 2025 | 15.22% | 15.22% | 16.47% | 10.36% | $421.8M |
| Q4 2025 | 15.72% | 15.72% | 16.97% | 10.58% | $420.4M |
| Q1 2026 | 16.07% | 16.07% | 17.33% | 10.70% | $417.4M |
| Q2 2026 | 16.10% | 16.10% | 17.36% | 11.24% | $432.1M |
Andrew Johnson Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Andrew Johnson 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 Andrew Johnson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22015) · FFIEC NIC profile (RSSD 361439)