Avana 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 total assets fell 0.33 percentage points from Q1 2026 to Q2 2026, ending at 22.09% against 22.42%. It was the largest change among the key lines on this page.
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 | 17.52% |
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 | $6.6M |
| Tier 1 capital | $6.6M |
| Total risk-based capital | — |
| Total equity capital | $8.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 22.09% |
| Tangible equity to tangible assets | 17.59% |
| Equity capital to average assets | 21.91% |
| Internal capital growth rate | -2.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $8.9M |
| Retained earnings | -$331K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$31K |
| 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 | 19.92% | 25.19% | 20.11% |
| Q4 2023 | 19.26% | 23.91% | 19.06% |
| Q1 2024 | 18.09% | 21.89% | 17.38% |
| Q2 2024 | 17.90% | 23.27% | 18.59% |
| Q3 2024 | 17.94% | 22.67% | 18.09% |
| Q4 2024 | 17.46% | 22.40% | 17.79% |
| Q1 2025 | 16.56% | 20.83% | 16.45% |
| Q2 2025 | 17.42% | 22.37% | 17.68% |
| Q3 2025 | 17.27% | 22.45% | 17.70% |
| Q4 2025 | 18.75% | 21.85% | 17.43% |
| Q1 2026 | 17.38% | 22.42% | 17.89% |
| Q2 2026 | 17.52% | 22.09% | 17.59% |
Avana Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Avana 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 Avana Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10704) · FFIEC NIC profile (RSSD 498456)