Auburnbank: 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%.
Compared with Q1 2026, Equity capital to total assets fell 0.47 percentage points in Q2 2026 to 8.38%, the biggest move on this page. Within Alabama, Auburnbank is 12th of 36 on CET1 ratio, 16.26% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Auburnbank sits 2.78 points higher, at 16.26% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.26% |
| Tier 1 risk-based capital ratio | 16.26% |
| Total risk-based capital ratio | 17.24% |
| Tier 1 leverage ratio | 10.65% |
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 | $110.9M |
| Tier 1 capital | $110.9M |
| Total risk-based capital | $117.6M |
| Total equity capital | $90.9M |
| Risk-weighted assets | $682.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.38% |
| Tangible equity to tangible assets | 8.38% |
| Equity capital to average assets | 8.73% |
| Internal capital growth rate | 1.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $102K |
| Common stock surplus | $10.8M |
| Retained earnings | $99.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$20.0M |
| 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 | 15.01% | 15.01% | 15.98% | 10.26% | $724.4M |
| Q4 2023 | 14.52% | 14.52% | 15.52% | 9.72% | $715.4M |
| Q1 2024 | 14.62% | 14.62% | 15.69% | 10.34% | $710.7M |
| Q2 2024 | 14.47% | 14.47% | 15.49% | 10.39% | $724.3M |
| Q3 2024 | 14.75% | 14.75% | 15.76% | 10.43% | $716.0M |
| Q4 2024 | 14.80% | 14.80% | 15.81% | 10.49% | $717.9M |
| Q1 2025 | 15.04% | 15.04% | 16.05% | 10.52% | $710.7M |
| Q2 2025 | 15.32% | 15.32% | 16.35% | 10.64% | $705.4M |
| Q3 2025 | 15.51% | 15.51% | 16.49% | 10.72% | $705.4M |
| Q4 2025 | 16.06% | 16.06% | 17.14% | 10.71% | $686.1M |
| Q1 2026 | 16.07% | 16.07% | 17.08% | 10.57% | $687.2M |
| Q2 2026 | 16.26% | 16.26% | 17.24% | 10.65% | $682.1M |
Auburnbank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Auburnbank, 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 Auburnbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35) · FFIEC NIC profile (RSSD 749635)