Bank of Commerce & Trust Company: 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%.
Compared with Q1 2026, Accumulated other comprehensive income rose 5.4% in Q2 2026 to -$10.1M, the biggest move on this page.
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 | 11.10% |
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 | $43.5M |
| Tier 1 capital | $43.5M |
| Total risk-based capital | — |
| Total equity capital | $33.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.81% |
| Tangible equity to tangible assets | 8.81% |
| Equity capital to average assets | 8.51% |
| Internal capital growth rate | 4.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $525K |
| Common stock surplus | $7.5M |
| Retained earnings | $35.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.1M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.33% | 3.16% | 3.16% |
| Q4 2023 | 11.02% | 5.01% | 5.01% |
| Q1 2024 | 11.27% | 5.19% | 5.19% |
| Q2 2024 | 11.41% | 5.49% | 5.49% |
| Q3 2024 | 11.68% | 7.15% | 7.15% |
| Q4 2024 | 11.57% | 6.14% | 6.14% |
| Q1 2025 | 11.28% | 7.16% | 7.16% |
| Q2 2025 | 11.34% | 7.82% | 7.82% |
| Q3 2025 | 11.50% | 8.41% | 8.41% |
| Q4 2025 | 11.23% | 8.11% | 8.11% |
| Q1 2026 | 11.08% | 8.63% | 8.63% |
| Q2 2026 | 11.10% | 8.81% | 8.81% |
Bank of Commerce & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Commerce & Trust Company, 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 Commerce & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10523) · FFIEC NIC profile (RSSD 476539)