Armstrong County Building and Loan Association: 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%.
Compared with Q1 2026, Total risk-based capital ratio fell 0.89 percentage points in Q2 2026 to 29.00%, the biggest move on this page. Armstrong County Building and Loan Association ranks 10th of 72 Pennsylvania banks on CET1 ratio, in the upper half at 28.13% (Q2 2026). Armstrong County Building and Loan Association reported 28.13% on CET1 ratio for Q2 2026, 8.57 points above the 19.57% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 28.13% |
| Tier 1 risk-based capital ratio | 28.13% |
| Total risk-based capital ratio | 29.00% |
| Tier 1 leverage ratio | 12.50% |
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 | $11.9M |
| Tier 1 capital | $11.9M |
| Total risk-based capital | $12.3M |
| Total equity capital | $11.9M |
| Risk-weighted assets | $42.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.57% |
| Tangible equity to tangible assets | 12.57% |
| Equity capital to average assets | 12.50% |
| Internal capital growth rate | 3.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $11.9M |
| 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 | 32.08% | 32.08% | 33.18% | 13.02% | $37.7M |
| Q4 2023 | 30.65% | 30.65% | 31.72% | 13.07% | $39.4M |
| Q1 2024 | 31.12% | 31.12% | 32.20% | 12.96% | $38.4M |
| Q2 2024 | 30.36% | 30.36% | 31.41% | 12.82% | $39.1M |
| Q3 2024 | 30.88% | 30.88% | 31.93% | 12.57% | $38.4M |
| Q4 2024 | 27.76% | 27.76% | 28.57% | 12.15% | $42.3M |
| Q1 2025 | 29.85% | 29.85% | 30.76% | 12.07% | $39.3M |
| Q2 2025 | 28.18% | 28.18% | 29.02% | 12.20% | $41.7M |
| Q3 2025 | 29.65% | 29.65% | 30.52% | 12.19% | $39.9M |
| Q4 2025 | 27.72% | 27.72% | 28.57% | 12.27% | $42.6M |
| Q1 2026 | 28.99% | 28.99% | 29.89% | 12.37% | $40.9M |
| Q2 2026 | 28.13% | 28.13% | 29.00% | 12.50% | $42.5M |
Armstrong County Building and Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Armstrong County Building and Loan Association, 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 Armstrong County Building and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29471) · FFIEC NIC profile (RSSD 269571)