Bank of Central Florida: 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%.
Retained earnings rose 6.9% from Q1 2026 to Q2 2026, ending at $64.9M against $60.7M. It was the largest change among the key lines on this page. Bank of Central Florida ranks 44th of 56 Florida banks on CET1 ratio, in the lower half at 12.53% (Q2 2026). Bank of Central Florida reported 12.53% on CET1 ratio for Q2 2026, 0.95 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.53% |
| Tier 1 risk-based capital ratio | 12.53% |
| Total risk-based capital ratio | 13.55% |
| Tier 1 leverage ratio | 8.75% |
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 | $110.9M |
| Tier 1 capital | $110.9M |
| Total risk-based capital | $119.9M |
| Total equity capital | $99.7M |
| Risk-weighted assets | $885.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.99% |
| Tangible equity to tangible assets | 7.98% |
| Equity capital to average assets | 7.87% |
| Internal capital growth rate | 17.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $12.4M |
| Common stock surplus | $33.8M |
| Retained earnings | $64.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.3M |
| 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 | 12.89% | 12.89% | 13.83% | 8.77% | $721.8M |
| Q4 2023 | 11.68% | 11.68% | 12.58% | 8.11% | $755.4M |
| Q1 2024 | 11.32% | 11.32% | 12.22% | 7.96% | $781.5M |
| Q2 2024 | 11.55% | 11.55% | 12.47% | 8.19% | $790.4M |
| Q3 2024 | 11.69% | 11.69% | 12.61% | 8.26% | $791.0M |
| Q4 2024 | 12.21% | 12.21% | 13.17% | 8.17% | $780.4M |
| Q1 2025 | 11.11% | 11.11% | 12.02% | 8.08% | $865.6M |
| Q2 2025 | 12.14% | 12.14% | 13.10% | 8.27% | $824.4M |
| Q3 2025 | 12.20% | 12.20% | 13.16% | 8.35% | $838.5M |
| Q4 2025 | 12.34% | 12.34% | 13.35% | 8.57% | $858.3M |
| Q1 2026 | 12.04% | 12.04% | 13.05% | 8.45% | $887.1M |
| Q2 2026 | 12.53% | 12.53% | 13.55% | 8.75% | $885.0M |
Bank of Central Florida regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Central Florida, 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 Central Florida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58479) · FFIEC NIC profile (RSSD 3588312)