Bank of Dudley: 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 Q3 2026 was in Common stock surplus: 54.8% higher than in Q2 2026, at $15.2M.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.71% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $57.3M |
| Tier 1 capital | $57.3M |
| Total risk-based capital | — |
| Total equity capital | $54.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 10.32% |
| Tangible equity to tangible assets | 10.32% |
| Equity capital to average assets | 10.23% |
| Internal capital growth rate | 10.53% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $15.2M |
| Retained earnings | $41.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.6M |
| 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 |
|---|---|---|---|
| Q4 2023 | 10.64% | 9.59% | 9.59% |
| Q1 2024 | 10.27% | 9.33% | 9.33% |
| Q2 2024 | 10.03% | 9.37% | 9.37% |
| Q3 2024 | 10.22% | 9.61% | 9.61% |
| Q4 2024 | 10.06% | 9.21% | 9.21% |
| Q1 2025 | 10.00% | 9.37% | 9.37% |
| Q2 2025 | 10.15% | 9.62% | 9.62% |
| Q3 2025 | 10.11% | 9.13% | 9.13% |
| Q4 2025 | 9.67% | 9.33% | 9.33% |
| Q1 2026 | 9.66% | 9.11% | 9.11% |
| Q2 2026 | 9.62% | 9.10% | 9.10% |
| Q3 2026 | 10.71% | 10.32% | 10.32% |
Bank of Dudley regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Dudley, 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 Dudley profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9068) · FFIEC NIC profile (RSSD 546535)