Apex 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 4.1% to $182.1M. Among 71 Tennessee banks, Apex Bank sits 4th from the top on CET1 ratio, 23.20% as of Q2 2026. Apex Bank's CET1 ratio of 23.20% is well above the 13.49% median for banks in the $1B-10B asset tier, a gap of 9.71 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 23.20% |
| Tier 1 risk-based capital ratio | 23.20% |
| Total risk-based capital ratio | 24.46% |
| Tier 1 leverage ratio | 14.46% |
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 | $207.8M |
| Tier 1 capital | $207.8M |
| Total risk-based capital | $219.0M |
| Total equity capital | $218.8M |
| Risk-weighted assets | $895.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.02% |
| Tangible equity to tangible assets | 14.38% |
| Equity capital to average assets | 15.11% |
| Internal capital growth rate | 13.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $700K |
| Common stock surplus | $36.0M |
| Retained earnings | $182.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $8K |
| 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 | 24.55% | 24.55% | 25.80% | 13.55% | $697.6M |
| Q4 2023 | 23.29% | 23.29% | 24.55% | 12.91% | $708.1M |
| Q1 2024 | 24.48% | 24.48% | 25.73% | 13.45% | $708.3M |
| Q2 2024 | 24.65% | 24.65% | 25.91% | 14.40% | $736.2M |
| Q3 2024 | 25.59% | 25.59% | 26.84% | 15.39% | $747.0M |
| Q4 2024 | 24.11% | 24.11% | 25.36% | 14.48% | $757.0M |
| Q1 2025 | 22.73% | 22.73% | 23.98% | 14.76% | $842.2M |
| Q2 2025 | 24.22% | 24.22% | 25.47% | 14.80% | $820.2M |
| Q3 2025 | 25.11% | 25.11% | 26.36% | 15.72% | $828.5M |
| Q4 2025 | 22.34% | 22.34% | 23.59% | 14.17% | $859.2M |
| Q1 2026 | 22.83% | 22.83% | 24.08% | 14.45% | $878.1M |
| Q2 2026 | 23.20% | 23.20% | 24.46% | 14.46% | $895.5M |
Apex Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Apex 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 Apex Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9176) · FFIEC NIC profile (RSSD 51253)