Bank of 1889: 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%.
The largest change between Q2 2026 and Q3 2026 was in Retained earnings, which rose 5.2% to $37.3M.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.24% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $38.7M |
| Tier 1 capital | $38.7M |
| Total risk-based capital | — |
| Total equity capital | $38.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 11.17% |
| Tangible equity to tangible assets | 11.11% |
| Equity capital to average assets | 11.30% |
| Internal capital growth rate | 19.84% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $570K |
| Common stock surplus | $1.1M |
| Retained earnings | $37.3M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q4 2023 | 10.13% | 10.28% | 10.21% |
| Q1 2024 | 10.83% | 10.81% | 10.74% |
| Q2 2024 | 10.83% | 10.60% | 10.53% |
| Q3 2024 | 11.31% | 11.08% | 11.01% |
| Q4 2024 | 10.83% | 10.92% | 10.85% |
| Q1 2025 | 11.45% | 11.39% | 11.32% |
| Q2 2025 | 11.43% | 11.34% | 11.28% |
| Q3 2025 | 11.69% | 11.65% | 11.58% |
| Q4 2025 | 10.81% | 10.70% | 10.64% |
| Q1 2026 | 11.10% | 11.04% | 10.98% |
| Q2 2026 | 10.85% | 10.93% | 10.87% |
| Q3 2026 | 11.24% | 11.17% | 11.11% |
Bank of 1889 regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of 1889, 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 of 1889 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3854) · FFIEC NIC profile (RSSD 864846)