Apple 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.
In Q2 2026, Total equity capital edged up by 1.6%, from $1.58B to $1.60B, the largest move among the key lines here. On CET1 ratio, Apple Bank is 5th from the bottom among 82 New York banks, 11.68% (Q2 2026). Apple Bank reported 11.68% on CET1 ratio for Q2 2026, 1.27 points below the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.68% |
| Tier 1 risk-based capital ratio | 11.68% |
| Total risk-based capital ratio | 12.12% |
| Tier 1 leverage ratio | 7.74% |
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 | $1.51B |
| Tier 1 capital | $1.51B |
| Total risk-based capital | $1.56B |
| Total equity capital | $1.60B |
| Risk-weighted assets | $12.91B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.06% |
| Tangible equity to tangible assets | 6.78% |
| Equity capital to average assets | 8.13% |
| Internal capital growth rate | 5.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $247.3M |
| Retained earnings | $1.47B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$116.1M |
| 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 | 11.81% | 11.81% | 12.24% | 8.22% | $11.77B |
| Q4 2023 | 11.87% | 11.87% | 12.27% | 8.37% | $11.96B |
| Q1 2024 | 11.55% | 11.55% | 12.28% | 8.31% | $12.17B |
| Q2 2024 | 11.87% | 11.87% | 12.55% | 8.39% | $11.99B |
| Q3 2024 | 11.93% | 11.93% | 12.53% | 8.42% | $12.04B |
| Q4 2024 | 11.81% | 11.81% | 12.33% | 8.43% | $12.26B |
| Q1 2025 | 11.45% | 11.45% | 11.96% | 8.25% | $12.72B |
| Q2 2025 | 11.22% | 11.22% | 11.76% | 8.11% | $13.06B |
| Q3 2025 | 11.52% | 11.52% | 12.05% | 8.00% | $12.83B |
| Q4 2025 | 11.30% | 11.30% | 11.80% | 7.80% | $13.05B |
| Q1 2026 | 11.55% | 11.55% | 12.07% | 7.82% | $12.86B |
| Q2 2026 | 11.68% | 11.68% | 12.12% | 7.74% | $12.91B |
Apple Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Apple 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 Apple Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16068) · FFIEC NIC profile (RSSD 249612)