Artisans' 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%.
In Q2 2026, Risk-weighted assets edged up by 2.1%, from $573.0M to $584.8M, the largest move among the key lines here. Artisans' Bank has the 3rd lowest CET1 ratio of the 13 banks headquartered in Delaware, at 13.01% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Artisans' Bank sits 2.07 points lower, at 13.01% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.01% |
| Tier 1 risk-based capital ratio | 13.01% |
| Total risk-based capital ratio | 13.95% |
| Tier 1 leverage ratio | 10.44% |
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 | $76.1M |
| Tier 1 capital | $76.1M |
| Total risk-based capital | $81.6M |
| Total equity capital | $68.0M |
| Risk-weighted assets | $584.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.47% |
| Tangible equity to tangible assets | 9.47% |
| Equity capital to average assets | 9.33% |
| Internal capital growth rate | 6.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $7.0M |
| Retained earnings | $69.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.1M |
| 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 | 12.06% | 12.06% | 12.96% | 9.70% | $557.2M |
| Q4 2023 | 12.35% | 12.35% | 13.24% | 9.84% | $552.4M |
| Q1 2024 | 12.19% | 12.19% | 13.07% | 9.93% | $565.4M |
| Q2 2024 | 12.17% | 12.17% | 13.07% | 9.91% | $571.6M |
| Q3 2024 | 12.43% | 12.43% | 13.33% | 9.97% | $565.4M |
| Q4 2024 | 12.45% | 12.45% | 13.34% | 9.98% | $569.5M |
| Q1 2025 | 12.80% | 12.80% | 13.70% | 9.98% | $557.9M |
| Q2 2025 | 12.72% | 12.72% | 13.64% | 10.15% | $565.7M |
| Q3 2025 | 13.00% | 13.00% | 13.91% | 10.07% | $562.5M |
| Q4 2025 | 12.92% | 12.92% | 13.83% | 10.17% | $574.6M |
| Q1 2026 | 13.08% | 13.08% | 14.00% | 10.32% | $573.0M |
| Q2 2026 | 13.01% | 13.01% | 13.95% | 10.44% | $584.8M |
Artisans' Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Artisans' 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 Artisans' Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17123) · FFIEC NIC profile (RSSD 73116)