Armor 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%.
The standout move of Q2 2026 was in Retained earnings: 15.0% higher than in Q1 2026, at $9.2M.
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 | 9.40% |
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 | $46.3M |
| Tier 1 capital | $46.3M |
| Total risk-based capital | — |
| Total equity capital | $43.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.45% |
| Tangible equity to tangible assets | 7.92% |
| Equity capital to average assets | 8.82% |
| Internal capital growth rate | 11.22% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2K |
| Common stock surplus | $40.0M |
| Retained earnings | $9.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.5M |
| 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 | — | — | — | 8.30% | — |
| Q4 2023 | 10.53% | 10.53% | 11.60% | 7.97% | $328.4M |
| Q1 2024 | 10.53% | 10.53% | 11.63% | 8.09% | $327.2M |
| Q2 2024 | 10.55% | 10.55% | 11.58% | 8.83% | $362.0M |
| Q3 2024 | 10.50% | 10.50% | 11.56% | 8.33% | $370.6M |
| Q4 2024 | 10.44% | 10.44% | 11.49% | 8.85% | $393.1M |
| Q1 2025 | 11.58% | 11.58% | 12.78% | 9.02% | $358.9M |
| Q2 2025 | 11.40% | 11.40% | 12.57% | 9.15% | $372.5M |
| Q3 2025 | 11.40% | 11.40% | 12.59% | 9.17% | $378.5M |
| Q4 2025 | 12.15% | 12.15% | 13.40% | 9.12% | $362.8M |
| Q1 2026 | — | — | — | 9.32% | — |
| Q2 2026 | — | — | — | 9.40% | — |
Armor Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Armor 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 Armor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28812) · FFIEC NIC profile (RSSD 168571)