The Bank of Clovis: 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 Accumulated other comprehensive income: 16.9% lower than in Q1 2026, at -$5.7M. Within New Mexico, The Bank of Clovis is 7th of 20 on CET1 ratio, 21.67% as of Q2 2026, above the middle of the field. The Bank of Clovis reported 21.67% on CET1 ratio for Q2 2026, 6.60 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.67% |
| Tier 1 risk-based capital ratio | 21.67% |
| Total risk-based capital ratio | 22.93% |
| Tier 1 leverage ratio | 10.84% |
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 | $49.9M |
| Tier 1 capital | $49.9M |
| Total risk-based capital | $52.8M |
| Total equity capital | $44.2M |
| Risk-weighted assets | $230.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.09% |
| Tangible equity to tangible assets | 10.09% |
| Equity capital to average assets | 9.60% |
| Internal capital growth rate | 6.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.6M |
| Common stock surplus | $16.8M |
| Retained earnings | $29.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.7M |
| 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 | 18.84% | 18.84% | 20.09% | 9.85% | $175.2M |
| Q4 2023 | 19.35% | 19.35% | 20.60% | 10.60% | $174.8M |
| Q1 2024 | 18.87% | 18.87% | 20.12% | 10.84% | $181.2M |
| Q2 2024 | 19.39% | 19.39% | 20.65% | 10.57% | $181.2M |
| Q3 2024 | 22.31% | 22.31% | 23.56% | 12.21% | $195.4M |
| Q4 2024 | 21.53% | 21.53% | 22.78% | 11.25% | $205.5M |
| Q1 2025 | 21.61% | 21.61% | 22.86% | 11.49% | $207.7M |
| Q2 2025 | 20.71% | 20.71% | 21.96% | 11.28% | $222.1M |
| Q3 2025 | 20.73% | 20.73% | 21.99% | 11.44% | $228.1M |
| Q4 2025 | 20.97% | 20.97% | 22.23% | 10.46% | $230.5M |
| Q1 2026 | 21.66% | 21.66% | 22.91% | 10.81% | $227.3M |
| Q2 2026 | 21.67% | 21.67% | 22.93% | 10.84% | $230.3M |
The Bank of Clovis regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Clovis, 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 Clovis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57022) · FFIEC NIC profile (RSSD 2948423)