Bank of Ann Arbor: 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 standout move of Q2 2026 was in Common stock surplus: 11.1% higher than in Q1 2026, at $253.0M. Within Michigan, Bank of Ann Arbor is 23rd of 43 on CET1 ratio, 14.27% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Bank of Ann Arbor sits 0.80 points higher, at 14.27% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.27% |
| Tier 1 risk-based capital ratio | 14.27% |
| Total risk-based capital ratio | 15.42% |
| Tier 1 leverage ratio | 13.17% |
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 | $434.7M |
| Tier 1 capital | $434.7M |
| Total risk-based capital | $469.7M |
| Total equity capital | $499.0M |
| Risk-weighted assets | $3.05B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.27% |
| Tangible equity to tangible assets | 12.48% |
| Equity capital to average assets | 14.79% |
| Internal capital growth rate | 14.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $20.0M |
| Common stock surplus | $253.0M |
| Retained earnings | $233.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.3M |
| 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 | 11.59% | 11.59% | 12.84% | 10.79% | $2.82B |
| Q4 2023 | 11.84% | 11.84% | 12.87% | 11.23% | $2.85B |
| Q1 2024 | 11.80% | 11.80% | 12.84% | 11.40% | $2.89B |
| Q2 2024 | 11.68% | 11.68% | 12.73% | 11.63% | $3.00B |
| Q3 2024 | 12.19% | 12.19% | 13.26% | 11.70% | $2.94B |
| Q4 2024 | 12.37% | 12.37% | 13.46% | 12.05% | $2.98B |
| Q1 2025 | 12.54% | 12.54% | 13.67% | 11.89% | $2.98B |
| Q2 2025 | 12.55% | 12.55% | 13.67% | 12.26% | $3.10B |
| Q3 2025 | 13.01% | 13.01% | 14.15% | 12.22% | $3.06B |
| Q4 2025 | 13.23% | 13.23% | 14.33% | 12.91% | $3.10B |
| Q1 2026 | 13.54% | 13.54% | 14.69% | 12.86% | $3.08B |
| Q2 2026 | 14.27% | 14.27% | 15.42% | 13.17% | $3.05B |
Bank of Ann Arbor regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Ann Arbor, 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 Ann Arbor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34120) · FFIEC NIC profile (RSSD 2390929)