Bank of Clarke: 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%.
Risk-weighted assets rose 3.2% from Q1 2026 to Q2 2026, ending at $1.59B against $1.54B. It was the largest change among the key lines on this page. Bank of Clarke ranks 22nd of 44 Virginia banks on CET1 ratio, in the upper half at 14.29% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Bank of Clarke sits 0.81 points higher, at 14.29% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.29% |
| Tier 1 risk-based capital ratio | 14.29% |
| Total risk-based capital ratio | 15.48% |
| Tier 1 leverage ratio | 12.27% |
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 | $227.7M |
| Tier 1 capital | $227.7M |
| Total risk-based capital | $246.6M |
| Total equity capital | $222.4M |
| Risk-weighted assets | $1.59B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.04% |
| Tangible equity to tangible assets | 12.00% |
| Equity capital to average assets | 11.97% |
| Internal capital growth rate | 7.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.7M |
| Common stock surplus | $9.8M |
| Retained earnings | $217.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.1M |
| 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 | — | — | — | 8.40% | — |
| Q4 2023 | 10.27% | 10.27% | 11.16% | 8.48% | $1.51B |
| Q1 2024 | 10.40% | 10.40% | 11.32% | 8.76% | $1.50B |
| Q2 2024 | 10.47% | 10.47% | 11.41% | 8.86% | $1.52B |
| Q3 2024 | 10.57% | 10.57% | 11.53% | 8.71% | $1.52B |
| Q4 2024 | 11.04% | 11.04% | 12.00% | 8.79% | $1.50B |
| Q1 2025 | 13.83% | 13.83% | 14.86% | 10.69% | $1.49B |
| Q2 2025 | 14.14% | 14.14% | 15.20% | 10.92% | $1.50B |
| Q3 2025 | 14.29% | 14.29% | 15.25% | 10.78% | $1.53B |
| Q4 2025 | 14.54% | 14.54% | 15.53% | 11.68% | $1.53B |
| Q1 2026 | 14.47% | 14.47% | 15.62% | 11.94% | $1.54B |
| Q2 2026 | 14.29% | 14.29% | 15.48% | 12.27% | $1.59B |
Bank of Clarke regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Clarke, 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 Clarke profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6123) · FFIEC NIC profile (RSSD 753324)