Applied 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%.
Retained earnings climbed 95.2% in Q2 2026, from $1.6M to $3.1M. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Applied Bank ranks 3rd highest among the 13 banks headquartered in Delaware, at 78.16% (Q2 2026). Applied Bank's CET1 ratio of 78.16% is well above the 15.08% median for banks in the $100M-1B asset tier, a gap of 63.07 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 78.16% |
| Tier 1 risk-based capital ratio | 78.16% |
| Total risk-based capital ratio | 78.67% |
| Tier 1 leverage ratio | 17.49% |
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 | $44.5M |
| Tier 1 capital | $44.5M |
| Total risk-based capital | $44.8M |
| Total equity capital | $44.5M |
| Risk-weighted assets | $57.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.25% |
| Tangible equity to tangible assets | 16.25% |
| Equity capital to average assets | 17.49% |
| Internal capital growth rate | 14.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.5M |
| Common stock surplus | $37.9M |
| Retained earnings | $3.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 95.67% | 95.67% | 96.28% | 21.13% | $48.6M |
| Q4 2023 | 78.97% | 78.97% | 79.60% | 18.40% | $50.7M |
| Q1 2024 | 83.93% | 83.93% | 84.60% | 19.69% | $50.3M |
| Q2 2024 | 78.80% | 78.80% | 79.42% | 20.46% | $56.4M |
| Q3 2024 | 87.38% | 87.38% | 88.00% | 18.35% | $54.0M |
| Q4 2024 | 68.17% | 68.17% | 68.78% | 15.01% | $59.3M |
| Q1 2025 | 72.89% | 72.89% | 73.47% | 15.95% | $58.8M |
| Q2 2025 | 75.72% | 75.72% | 76.30% | 16.66% | $60.2M |
| Q3 2025 | 79.76% | 79.76% | 80.31% | 18.17% | $60.2M |
| Q4 2025 | 69.23% | 69.23% | 69.77% | 14.77% | $59.5M |
| Q1 2026 | 72.18% | 72.18% | 72.69% | 16.31% | $59.6M |
| Q2 2026 | 78.16% | 78.16% | 78.67% | 17.49% | $57.0M |
Applied Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Applied 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 Applied Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34193) · FFIEC NIC profile (RSSD 2467670)