Bank of Bird-In-Hand: 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 Retained earnings: 12.1% higher than in Q1 2026, at $53.4M. On CET1 ratio, Bank of Bird-In-Hand is 5th from the bottom among 72 Pennsylvania banks, 10.76% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Bank of Bird-In-Hand sits 2.72 points lower, at 10.76% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.76% |
| Tier 1 risk-based capital ratio | 10.76% |
| Total risk-based capital ratio | 11.39% |
| Tier 1 leverage ratio | 9.82% |
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 | $183.6M |
| Tier 1 capital | $183.6M |
| Total risk-based capital | $194.3M |
| Total equity capital | $183.6M |
| Risk-weighted assets | $1.71B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.62% |
| Tangible equity to tangible assets | 9.62% |
| Equity capital to average assets | 9.82% |
| Internal capital growth rate | 13.20% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.0M |
| Common stock surplus | $122.2M |
| Retained earnings | $53.4M |
| 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 | 10.82% | 10.82% | 11.42% | 9.80% | $1.14B |
| Q4 2023 | 11.78% | 11.78% | 12.37% | 10.77% | $1.20B |
| Q1 2024 | 11.57% | 11.57% | 12.17% | 10.33% | $1.24B |
| Q2 2024 | 11.13% | 11.13% | 11.72% | 10.06% | $1.30B |
| Q3 2024 | 11.14% | 11.14% | 11.74% | 9.55% | $1.32B |
| Q4 2024 | 10.73% | 10.73% | 11.34% | 9.22% | $1.37B |
| Q1 2025 | 10.53% | 10.53% | 11.12% | 9.34% | $1.42B |
| Q2 2025 | 10.72% | 10.72% | 11.35% | 9.76% | $1.49B |
| Q3 2025 | 10.81% | 10.81% | 11.45% | 9.59% | $1.52B |
| Q4 2025 | 10.96% | 10.96% | 11.60% | 9.68% | $1.57B |
| Q1 2026 | 10.68% | 10.68% | 11.32% | 9.64% | $1.63B |
| Q2 2026 | 10.76% | 10.76% | 11.39% | 9.82% | $1.71B |
Bank of Bird-In-Hand regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Bird-In-Hand, 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 Bird-In-Hand profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59074) · FFIEC NIC profile (RSSD 4536084)