The Apple Creek Banking Company: 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 biggest quarter-over-quarter change on this page was a small one: Equity capital to total assets edged down 0.25 percentage points between Q1 2026 and Q2 2026, to 8.76%.
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 | 9.17% |
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 | $24.4M |
| Tier 1 capital | $24.4M |
| Total risk-based capital | — |
| Total equity capital | $23.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.76% |
| Tangible equity to tangible assets | 8.76% |
| Equity capital to average assets | 8.89% |
| Internal capital growth rate | 2.28% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $380K |
| Common stock surplus | $4.0M |
| Retained earnings | $20.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$734K |
| 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 | 10.17% | 10.17% | 11.13% | 8.33% | $191.3M |
| Q4 2023 | 10.27% | 10.27% | 11.17% | 8.34% | $192.0M |
| Q1 2024 | 10.19% | 10.19% | 11.08% | 8.04% | $197.6M |
| Q2 2024 | 10.34% | 10.34% | 11.26% | 8.01% | $196.1M |
| Q3 2024 | 10.48% | 10.48% | 11.37% | 8.14% | $200.1M |
| Q4 2024 | 10.47% | 10.47% | 11.37% | 8.10% | $204.5M |
| Q1 2025 | 10.60% | 10.60% | 11.51% | 8.58% | $209.2M |
| Q2 2025 | 10.69% | 10.69% | 11.61% | 8.64% | $210.4M |
| Q3 2025 | 10.69% | 10.69% | 11.61% | 8.88% | $216.9M |
| Q4 2025 | 10.70% | 10.70% | 11.62% | 8.84% | $218.9M |
| Q1 2026 | 11.04% | 11.04% | 11.96% | 9.34% | $220.2M |
| Q2 2026 | — | — | — | 9.17% | — |
The Apple Creek Banking Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Apple Creek Banking Company, 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 The Apple Creek Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 737) · FFIEC NIC profile (RSSD 213912)