Bank of Cattaraugus: 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 Equity capital to total assets: 1.48 percentage points higher than in Q1 2026, at 11.28%. Bank of Cattaraugus ranks 36th of 82 New York banks on CET1 ratio, in the upper half at 17.39% (Q2 2026). The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Bank of Cattaraugus sits 2.17 points lower, at 17.39% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.39% |
| Tier 1 risk-based capital ratio | 17.39% |
| Total risk-based capital ratio | 18.48% |
| Tier 1 leverage ratio | 10.32% |
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 | $3.5M |
| Tier 1 capital | $3.5M |
| Total risk-based capital | $3.7M |
| Total equity capital | $3.5M |
| Risk-weighted assets | $20.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.28% |
| Tangible equity to tangible assets | 11.28% |
| Equity capital to average assets | 10.32% |
| Internal capital growth rate | 9.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $200K |
| Retained earnings | $3.2M |
| 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 | 17.97% | 17.97% | 19.22% | 8.14% | $15.6M |
| Q4 2023 | 17.70% | 17.70% | 18.94% | 8.70% | $16.0M |
| Q1 2024 | 18.16% | 18.16% | 19.41% | 9.52% | $16.1M |
| Q2 2024 | 17.72% | 17.72% | 18.89% | 9.52% | $17.1M |
| Q3 2024 | 17.91% | 17.91% | 19.08% | 11.53% | $17.3M |
| Q4 2024 | 16.78% | 16.78% | 17.89% | 10.85% | $18.4M |
| Q1 2025 | 16.79% | 16.79% | 17.89% | 10.73% | $18.8M |
| Q2 2025 | 17.42% | 17.42% | 18.51% | 10.08% | $18.8M |
| Q3 2025 | 17.35% | 17.35% | 18.42% | 11.95% | $19.2M |
| Q4 2025 | 17.38% | 17.38% | 18.49% | 10.59% | $19.1M |
| Q1 2026 | 17.89% | 17.89% | 19.00% | 11.19% | $19.1M |
| Q2 2026 | 17.39% | 17.39% | 18.48% | 10.32% | $20.1M |
Bank of Cattaraugus regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Cattaraugus, 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 Cattaraugus profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9406) · FFIEC NIC profile (RSSD 92902)