Associated Trust Company, 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%.
Equity capital to average assets climbed 7.98 percentage points in Q2 2026, from 76.93% to 84.90%. It was the largest change from Q1 2026 among the key lines here. Against a median of 19.57% for banks in the < $100M asset tier, Associated Trust Company, N.A. reported 171.77% on CET1 ratio in Q2 2026, 152.20 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 171.77% |
| Tier 1 risk-based capital ratio | 171.77% |
| Total risk-based capital ratio | 171.77% |
| Tier 1 leverage ratio | 84.07% |
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 | $40.7M |
| Tier 1 capital | $40.7M |
| Total risk-based capital | $40.7M |
| Total equity capital | $68.2M |
| Risk-weighted assets | $23.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 85.65% |
| Tangible equity to tangible assets | 85.65% |
| Equity capital to average assets | 84.90% |
| Internal capital growth rate | 8.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $39.1M |
| Retained earnings | $28.8M |
| 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 | 146.32% | 146.32% | 146.32% | 83.09% | $28.4M |
| Q4 2023 | 142.34% | 142.34% | 142.34% | 82.50% | $28.4M |
| Q1 2024 | 138.78% | 138.78% | 138.78% | 80.93% | $29.3M |
| Q2 2024 | 147.21% | 147.21% | 147.21% | 88.08% | $31.0M |
| Q3 2024 | 142.06% | 142.06% | 142.06% | 82.03% | $32.2M |
| Q4 2024 | 133.49% | 133.49% | 133.49% | 76.05% | $31.9M |
| Q1 2025 | 130.96% | 130.96% | 130.96% | 79.21% | $32.1M |
| Q2 2025 | 136.95% | 136.95% | 136.95% | 82.70% | $31.4M |
| Q3 2025 | 131.18% | 131.18% | 131.18% | 81.98% | $33.3M |
| Q4 2025 | 130.89% | 130.89% | 130.89% | 79.00% | $32.5M |
| Q1 2026 | 176.11% | 176.11% | 176.11% | 72.95% | $22.9M |
| Q2 2026 | 171.77% | 171.77% | 171.77% | 84.07% | $23.7M |
Associated Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Associated Trust Company, 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 Associated Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 1629903)