Bank of Clarks: 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.54 percentage points to 9.94%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.79% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $5.8M |
| Tier 1 capital | $5.8M |
| Total risk-based capital | — |
| Total equity capital | $5.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.94% |
| Tangible equity to tangible assets | 9.94% |
| Equity capital to average assets | 9.77% |
| Internal capital growth rate | 3.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $2.3M |
| Retained earnings | $3.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14K |
| 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 | 15.15% | 15.15% | 16.41% | 10.01% | $30.4M |
| Q4 2023 | 13.46% | 13.46% | 14.71% | 10.08% | $34.2M |
| Q1 2024 | 13.43% | 13.43% | 14.69% | 9.92% | $34.2M |
| Q2 2024 | 12.01% | 12.01% | 13.26% | 9.96% | $38.6M |
| Q3 2024 | 10.16% | 10.16% | 11.41% | 9.37% | $46.6M |
| Q4 2024 | 10.13% | 10.13% | 11.38% | 8.19% | $46.6M |
| Q1 2025 | 10.19% | 10.19% | 11.44% | 8.43% | $47.9M |
| Q2 2025 | 9.90% | 9.90% | 11.15% | 8.48% | $49.7M |
| Q3 2025 | 10.80% | 10.80% | 12.05% | 9.47% | $53.1M |
| Q4 2025 | 10.82% | 10.82% | 12.07% | 9.24% | $53.0M |
| Q1 2026 | 11.31% | 11.31% | 12.56% | 9.29% | $51.1M |
| Q2 2026 | — | — | — | 9.79% | — |
Bank of Clarks regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Clarks, 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 Clarks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16953) · FFIEC NIC profile (RSSD 76153)