Arrow Bank N.A.: 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%.
Accumulated other comprehensive income dropped 9.1% in Q2 2026, from -$7.5M to -$8.2M. It was the largest change from Q1 2026 among the key lines here. Within New York, Arrow Bank N.A. is 70th of 82 on CET1 ratio, 12.71% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Arrow Bank N.A. sits 0.77 points lower, at 12.71% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.71% |
| Tier 1 risk-based capital ratio | 12.71% |
| Total risk-based capital ratio | 13.87% |
| Tier 1 leverage ratio | 9.33% |
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 | $409.6M |
| Tier 1 capital | $409.7M |
| Total risk-based capital | $447.1M |
| Total equity capital | $423.2M |
| Risk-weighted assets | $3.22B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.50% |
| Tangible equity to tangible assets | 8.98% |
| Equity capital to average assets | 9.57% |
| Internal capital growth rate | -12.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.9M |
| Common stock surplus | $38.2M |
| Retained earnings | $390.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.2M |
| 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 | 13.44% | 13.44% | 14.49% | 9.28% | $2.21B |
| Q4 2023 | 13.24% | 13.24% | 14.25% | 9.16% | $2.25B |
| Q1 2024 | 13.03% | 13.03% | 14.02% | 8.76% | $2.24B |
| Q2 2024 | 13.13% | 13.14% | 14.12% | 8.79% | $2.24B |
| Q3 2024 | 12.97% | 12.97% | 13.94% | 8.75% | $2.26B |
| Q4 2024 | 12.86% | 12.86% | 13.99% | 9.22% | $3.11B |
| Q1 2025 | 12.75% | 12.75% | 14.00% | 9.24% | $3.13B |
| Q2 2025 | 12.88% | 12.88% | 14.02% | 9.26% | $3.11B |
| Q3 2025 | 13.16% | 13.16% | 14.31% | 9.24% | $3.08B |
| Q4 2025 | 13.14% | 13.14% | 14.27% | 9.26% | $3.15B |
| Q1 2026 | 13.41% | 13.41% | 14.53% | 9.62% | $3.15B |
| Q2 2026 | 12.71% | 12.71% | 13.87% | 9.33% | $3.22B |
Arrow Bank N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Arrow Bank N.A., 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 Arrow Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7074) · FFIEC NIC profile (RSSD 866000)