Auburn State 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to average assets climbed 1.00 percentage points in Q2 2026, from 11.03% to 12.02%. It was the largest change from Q1 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.07% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $39.3M |
| Tier 1 capital | $39.3M |
| Total risk-based capital | — |
| Total equity capital | $31.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.48% |
| Tangible equity to tangible assets | 12.48% |
| Equity capital to average assets | 12.02% |
| Internal capital growth rate | 10.54% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $1.6M |
| Retained earnings | $36.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.9M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 15.02% | 7.93% | 7.93% |
| Q4 2023 | 15.33% | 10.21% | 10.21% |
| Q1 2024 | 14.64% | 9.65% | 9.65% |
| Q2 2024 | 14.86% | 9.99% | 9.99% |
| Q3 2024 | 14.92% | 11.02% | 11.02% |
| Q4 2024 | 14.79% | 10.28% | 10.28% |
| Q1 2025 | 13.87% | 10.05% | 10.05% |
| Q2 2025 | 13.97% | 10.08% | 10.08% |
| Q3 2025 | 14.29% | 11.22% | 11.22% |
| Q4 2025 | 14.65% | 12.15% | 12.15% |
| Q1 2026 | 14.44% | 11.76% | 11.76% |
| Q2 2026 | 15.07% | 12.48% | 12.48% |
Auburn State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Auburn State 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 Auburn State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11477) · FFIEC NIC profile (RSSD 979151)