B2 Bank 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 total assets dropped 8.37 percentage points in Q2 2026, from 17.64% to 9.26%. 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 | 13.66% |
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 | $9.5M |
| Tier 1 capital | $9.5M |
| Total risk-based capital | — |
| Total equity capital | $10.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.26% |
| Tangible equity to tangible assets | 8.95% |
| Equity capital to average assets | 14.98% |
| Internal capital growth rate | -12.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $13.6M |
| Retained earnings | -$3.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1K |
| 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 | 33.92% | 33.92% | 34.76% | 11.19% | $21.7M |
| Q4 2023 | 39.93% | 39.93% | 40.75% | 12.87% | $20.9M |
| Q1 2024 | 44.71% | 44.71% | 45.53% | 12.93% | $20.5M |
| Q2 2024 | 27.16% | 27.16% | 27.73% | 12.13% | $35.2M |
| Q3 2024 | 29.55% | 29.55% | 30.24% | 12.28% | $34.1M |
| Q4 2024 | 25.95% | 25.95% | 26.76% | 13.07% | $40.0M |
| Q1 2025 | — | — | — | 13.11% | — |
| Q2 2025 | — | — | — | 14.29% | — |
| Q3 2025 | — | — | — | 15.27% | — |
| Q4 2025 | — | — | — | 15.97% | — |
| Q1 2026 | — | — | — | 15.60% | — |
| Q2 2026 | — | — | — | 13.66% | — |
B2 Bank N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock B2 Bank 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 B2 Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5105) · FFIEC NIC profile (RSSD 108652)