Arlo 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 standout move of Q2 2026 was in Equity capital to total assets: 2.40 percentage points lower than in Q1 2026, at 14.27%.
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 | 13.53% |
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 | $32.7M |
| Tier 1 capital | $32.7M |
| Total risk-based capital | — |
| Total equity capital | $38.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.27% |
| Tangible equity to tangible assets | 12.66% |
| Equity capital to average assets | 15.51% |
| Internal capital growth rate | 3.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6K |
| Common stock surplus | $37.6M |
| Retained earnings | $959K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$144K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 16.96% | 15.12% | 15.12% |
| Q4 2023 | 16.66% | 16.21% | 16.21% |
| Q1 2024 | 16.18% | 15.43% | 15.43% |
| Q2 2024 | 15.72% | 15.16% | 15.16% |
| Q3 2024 | 15.14% | 14.92% | 14.92% |
| Q4 2024 | 23.79% | 24.73% | 21.23% |
| Q1 2025 | 25.85% | 27.35% | 24.42% |
| Q2 2025 | 21.89% | 23.65% | 21.02% |
| Q3 2025 | 19.23% | 21.45% | 19.01% |
| Q4 2025 | 17.52% | 18.87% | 16.69% |
| Q1 2026 | 15.04% | 16.68% | 14.74% |
| Q2 2026 | 13.53% | 14.27% | 12.66% |
Arlo Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Arlo 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 Arlo Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29143) · FFIEC NIC profile (RSSD 717670)