Atlantic Community Bankers 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, Retained earnings edged up by 1.9%, from $120.2M to $122.5M, the largest move among the key lines here. Atlantic Community Bankers Bank ranks 18th of 72 Pennsylvania banks on CET1 ratio, in the upper half at 20.38% (Q2 2026). Atlantic Community Bankers Bank reported 20.38% on CET1 ratio for Q2 2026, 5.31 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.38% |
| Tier 1 risk-based capital ratio | 20.38% |
| Total risk-based capital ratio | 21.70% |
| Tier 1 leverage ratio | 15.76% |
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 | $153.4M |
| Tier 1 capital | $153.4M |
| Total risk-based capital | $163.4M |
| Total equity capital | $152.9M |
| Risk-weighted assets | $752.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.23% |
| Tangible equity to tangible assets | 15.94% |
| Equity capital to average assets | 15.65% |
| Internal capital growth rate | 6.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.3M |
| Common stock surplus | $30.8M |
| Retained earnings | $122.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.7M |
| 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 | 20.39% | 20.39% | 21.73% | 15.27% | $649.2M |
| Q4 2023 | 20.48% | 20.48% | 21.82% | 15.12% | $654.2M |
| Q1 2024 | 20.79% | 20.79% | 22.13% | 15.16% | $653.9M |
| Q2 2024 | 20.42% | 20.42% | 21.76% | 14.59% | $676.2M |
| Q3 2024 | 20.49% | 20.49% | 21.83% | 14.06% | $662.9M |
| Q4 2024 | 20.23% | 20.23% | 21.58% | 14.73% | $679.0M |
| Q1 2025 | 20.11% | 20.11% | 21.45% | 14.39% | $692.1M |
| Q2 2025 | 20.23% | 20.23% | 21.57% | 14.50% | $701.0M |
| Q3 2025 | 20.44% | 20.44% | 21.78% | 14.63% | $705.9M |
| Q4 2025 | 20.60% | 20.60% | 21.94% | 14.49% | $713.2M |
| Q1 2026 | 20.42% | 20.42% | 21.75% | 15.60% | $739.4M |
| Q2 2026 | 20.38% | 20.38% | 21.70% | 15.76% | $752.9M |
Atlantic Community Bankers Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Atlantic Community Bankers 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 Atlantic Community Bankers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24829) · FFIEC NIC profile (RSSD 959715)