Bank 360: 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.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which rose 0.28 percentage points to 9.36%.
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 | 9.36% |
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 | $5.6M |
| Tier 1 capital | $5.6M |
| Total risk-based capital | — |
| Total equity capital | $5.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.25% |
| Tangible equity to tangible assets | 9.25% |
| Equity capital to average assets | 9.36% |
| Internal capital growth rate | 4.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $1.3M |
| Retained earnings | $4.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 11.66% | 11.66% | 12.80% | 9.04% | $43.1M |
| Q4 2023 | — | — | — | 9.08% | — |
| Q1 2024 | — | — | — | 9.13% | — |
| Q2 2024 | — | — | — | 8.93% | — |
| Q3 2024 | — | — | — | 8.78% | — |
| Q4 2024 | 14.28% | 14.28% | 15.53% | 8.65% | $37.5M |
| Q1 2025 | 17.10% | 17.10% | 18.35% | 8.56% | $31.9M |
| Q2 2025 | 14.94% | 14.94% | 16.19% | 8.83% | $36.9M |
| Q3 2025 | 15.93% | 15.93% | 17.18% | 8.88% | $34.9M |
| Q4 2025 | 15.31% | 15.31% | 16.57% | 8.86% | $36.5M |
| Q1 2026 | 14.53% | 14.53% | 15.78% | 9.08% | $38.4M |
| Q2 2026 | — | — | — | 9.36% | — |
Bank 360 regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank 360, 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 Bank 360 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9875) · FFIEC NIC profile (RSSD 464853)