The Bank of Charlotte County: 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 average assets: 1.55 percentage points higher than in Q1 2026, at 11.99%. Within Virginia, The Bank of Charlotte County is 8th of 44 on CET1 ratio, 20.00% 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. The Bank of Charlotte County sits 4.93 points higher, at 20.00% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.00% |
| Tier 1 risk-based capital ratio | 20.00% |
| Total risk-based capital ratio | 21.25% |
| Tier 1 leverage ratio | 12.79% |
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 | $29.1M |
| Tier 1 capital | $29.1M |
| Total risk-based capital | $30.9M |
| Total equity capital | $27.2M |
| Risk-weighted assets | $145.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.23% |
| Tangible equity to tangible assets | 12.23% |
| Equity capital to average assets | 11.99% |
| Internal capital growth rate | 51.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $529K |
| Retained earnings | $28.4M |
| 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 | 17.95% | 17.95% | 18.86% | 13.61% | $141.3M |
| Q4 2023 | 17.35% | 17.35% | 18.25% | 13.13% | $143.0M |
| Q1 2024 | 15.83% | 15.83% | 16.73% | 12.40% | $144.7M |
| Q2 2024 | 16.17% | 16.17% | 17.07% | 12.30% | $145.9M |
| Q3 2024 | 16.26% | 16.26% | 17.14% | 12.28% | $149.0M |
| Q4 2024 | 15.90% | 15.90% | 16.85% | 11.65% | $149.9M |
| Q1 2025 | 16.52% | 16.52% | 17.48% | 11.77% | $148.4M |
| Q2 2025 | 17.15% | 17.15% | 18.12% | 12.08% | $146.7M |
| Q3 2025 | 17.44% | 17.44% | 18.46% | 11.85% | $148.1M |
| Q4 2025 | 16.87% | 16.87% | 17.97% | 10.99% | $149.2M |
| Q1 2026 | 17.50% | 17.50% | 18.59% | 11.33% | $148.5M |
| Q2 2026 | 20.00% | 20.00% | 21.25% | 12.79% | $145.2M |
The Bank of Charlotte County regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Charlotte County, 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 The Bank of Charlotte County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14491) · FFIEC NIC profile (RSSD 667524)