Ascent 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: 22.5% higher than in Q1 2026, at $1.9M. Within Montana, Ascent Bank is 16th of 21 on CET1 ratio, 12.41% as of Q2 2026. Ascent Bank reported 12.41% on CET1 ratio for Q2 2026, 2.68 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.41% |
| Tier 1 risk-based capital ratio | 12.41% |
| Total risk-based capital ratio | 13.66% |
| Tier 1 leverage ratio | 8.69% |
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 | $9.1M |
| Tier 1 capital | $9.1M |
| Total risk-based capital | $10.1M |
| Total equity capital | $9.5M |
| Risk-weighted assets | $73.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.08% |
| Tangible equity to tangible assets | 8.24% |
| Equity capital to average assets | 8.92% |
| Internal capital growth rate | 15.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $7.6M |
| Retained earnings | $1.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$636K |
| 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 | 12.23% | 12.23% | 13.48% | 8.63% | $62.9M |
| Q4 2023 | 11.67% | 11.67% | 12.92% | 8.63% | $67.5M |
| Q1 2024 | 11.15% | 11.15% | 12.40% | 8.25% | $68.8M |
| Q2 2024 | 12.77% | 12.77% | 14.03% | 9.30% | $69.2M |
| Q3 2024 | 12.13% | 12.13% | 13.38% | 9.30% | $74.8M |
| Q4 2024 | 13.06% | 13.06% | 14.32% | 8.94% | $71.8M |
| Q1 2025 | 12.72% | 12.72% | 13.98% | 8.92% | $72.8M |
| Q2 2025 | 12.93% | 12.93% | 14.18% | 9.15% | $74.5M |
| Q3 2025 | 13.50% | 13.50% | 14.76% | 9.36% | $74.0M |
| Q4 2025 | 13.96% | 13.96% | 15.22% | 9.48% | $74.1M |
| Q1 2026 | 11.41% | 11.41% | 12.66% | 7.98% | $77.0M |
| Q2 2026 | 12.41% | 12.41% | 13.66% | 8.69% | $73.6M |
Ascent Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ascent 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 Ascent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20162) · FFIEC NIC profile (RSSD 647955)