Bank of Brookhaven: 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%.
Accumulated other comprehensive income climbed 13.0% in Q2 2026, from -$2.1M to -$1.8M. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, Bank of Brookhaven is 6th of 20 on CET1 ratio, 18.04% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Bank of Brookhaven sits 2.97 points higher, at 18.04% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.04% |
| Tier 1 risk-based capital ratio | 18.04% |
| Total risk-based capital ratio | 18.83% |
| Tier 1 leverage ratio | 11.64% |
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 | $30.5M |
| Tier 1 capital | $30.5M |
| Total risk-based capital | $31.8M |
| Total equity capital | $28.7M |
| Risk-weighted assets | $169.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.93% |
| Tangible equity to tangible assets | 10.93% |
| Equity capital to average assets | 10.94% |
| Internal capital growth rate | 11.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.1M |
| Common stock surplus | $6.7M |
| Retained earnings | $21.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 18.72% | 18.72% | 19.40% | 11.98% | $145.2M |
| Q4 2023 | 17.98% | 17.98% | 18.66% | 11.75% | $144.3M |
| Q1 2024 | 17.83% | 17.83% | 18.57% | 11.38% | $149.1M |
| Q2 2024 | 17.46% | 17.46% | 18.20% | 11.75% | $156.2M |
| Q3 2024 | 17.86% | 17.86% | 18.60% | 12.00% | $156.4M |
| Q4 2024 | 17.42% | 17.42% | 18.21% | 11.81% | $156.8M |
| Q1 2025 | 17.56% | 17.56% | 18.33% | 11.51% | $160.3M |
| Q2 2025 | 18.28% | 18.28% | 19.02% | 11.63% | $158.5M |
| Q3 2025 | 18.89% | 18.89% | 19.64% | 12.20% | $157.9M |
| Q4 2025 | 17.96% | 17.96% | 18.76% | 11.95% | $160.6M |
| Q1 2026 | 17.08% | 17.08% | 17.84% | 11.64% | $173.9M |
| Q2 2026 | 18.04% | 18.04% | 18.83% | 11.64% | $169.1M |
Bank of Brookhaven regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Brookhaven, 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 Brookhaven profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35439) · FFIEC NIC profile (RSSD 2877831)