Bank of Cave City: 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 rose 2.8% from Q1 2026 to Q2 2026, ending at -$4.9M against -$5.0M. It was the largest change among the key lines on this page. Bank of Cave City ranks 6th of 37 Arkansas banks on CET1 ratio, in the upper half at 20.62% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Bank of Cave City sits 5.55 points higher, at 20.62% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.62% |
| Tier 1 risk-based capital ratio | 20.62% |
| Total risk-based capital ratio | 21.80% |
| Tier 1 leverage ratio | 8.38% |
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 | $16.3M |
| Tier 1 capital | $16.3M |
| Total risk-based capital | $17.2M |
| Total equity capital | $11.5M |
| Risk-weighted assets | $79.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.94% |
| Tangible equity to tangible assets | 5.86% |
| Equity capital to average assets | 5.93% |
| Internal capital growth rate | 2.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $2.6M |
| Retained earnings | $13.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.9M |
| 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 | 14.05% | 14.05% | 15.30% | 8.20% | $103.1M |
| Q4 2023 | 19.68% | 19.68% | 20.95% | 8.00% | $72.6M |
| Q1 2024 | 20.00% | 20.00% | 21.23% | 8.51% | $77.4M |
| Q2 2024 | 18.72% | 18.72% | 19.76% | 8.46% | $83.2M |
| Q3 2024 | 20.10% | 20.10% | 21.31% | 8.29% | $76.4M |
| Q4 2024 | 20.48% | 20.48% | 21.70% | 8.34% | $76.1M |
| Q1 2025 | 20.09% | 20.09% | 21.24% | 8.23% | $78.8M |
| Q2 2025 | 21.27% | 21.27% | 22.49% | 8.41% | $75.5M |
| Q3 2025 | 21.49% | 21.49% | 22.73% | 8.38% | $74.5M |
| Q4 2025 | 21.86% | 21.86% | 23.11% | 8.41% | $73.7M |
| Q1 2026 | 20.12% | 20.12% | 21.29% | 8.56% | $80.6M |
| Q2 2026 | 20.62% | 20.62% | 21.80% | 8.38% | $79.0M |
Bank of Cave City regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Cave City, 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 Cave City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 105) · FFIEC NIC profile (RSSD 629148)