Arbor 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.
Compared with Q1 2026, Retained earnings rose 6.0% in Q2 2026 to $17.9M, the biggest move on this page. Arbor Bank has the 3rd lowest CET1 ratio of the 57 banks headquartered in Nebraska, at 11.02% as of Q2 2026. Arbor Bank reported 11.02% on CET1 ratio for Q2 2026, 4.07 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.02% |
| Tier 1 risk-based capital ratio | 11.02% |
| Total risk-based capital ratio | 12.06% |
| Tier 1 leverage ratio | 8.69% |
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 | $62.1M |
| Tier 1 capital | $62.1M |
| Total risk-based capital | $68.0M |
| Total equity capital | $61.1M |
| Risk-weighted assets | $563.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.70% |
| Tangible equity to tangible assets | 8.70% |
| Equity capital to average assets | 8.55% |
| Internal capital growth rate | 6.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $43.7M |
| Retained earnings | $17.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 12.26% | 12.26% | 13.41% | 9.67% | $449.1M |
| Q4 2023 | 12.49% | 12.49% | 13.64% | 9.68% | $450.0M |
| Q1 2024 | 11.83% | 11.83% | 12.96% | 9.24% | $467.5M |
| Q2 2024 | 11.67% | 11.67% | 12.81% | 8.80% | $469.4M |
| Q3 2024 | 11.34% | 11.34% | 12.44% | 9.01% | $492.3M |
| Q4 2024 | 11.91% | 11.91% | 13.03% | 9.33% | $483.0M |
| Q1 2025 | 11.68% | 11.68% | 12.79% | 9.29% | $490.0M |
| Q2 2025 | 11.25% | 11.25% | 12.33% | 9.07% | $504.0M |
| Q3 2025 | 10.90% | 10.90% | 11.96% | 9.02% | $525.9M |
| Q4 2025 | 10.91% | 10.91% | 11.95% | 9.06% | $543.7M |
| Q1 2026 | 11.21% | 11.21% | 12.26% | 8.91% | $545.0M |
| Q2 2026 | 11.02% | 11.02% | 12.06% | 8.69% | $563.6M |
Arbor Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Arbor 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 Arbor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33450) · FFIEC NIC profile (RSSD 1872941)