Bank of England: 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%.
Equity capital to average assets fell 0.34 percentage points from Q1 2026 to Q2 2026, ending at 19.56% against 19.90%. It was the largest change among the key lines on this page. On CET1 ratio, Bank of England ranks 2nd highest among the 37 banks headquartered in Arkansas, at 24.59% (Q2 2026). Bank of England's CET1 ratio of 24.59% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 9.52 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.59% |
| Tier 1 risk-based capital ratio | 24.59% |
| Total risk-based capital ratio | 25.76% |
| Tier 1 leverage ratio | 19.91% |
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 | $66.2M |
| Tier 1 capital | $66.2M |
| Total risk-based capital | $69.4M |
| Total equity capital | $65.0M |
| Risk-weighted assets | $269.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 19.57% |
| Tangible equity to tangible assets | 19.57% |
| Equity capital to average assets | 19.56% |
| Internal capital growth rate | 1.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $850K |
| Retained earnings | $65.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 | 16.89% | 16.89% | 18.18% | 14.01% | $360.9M |
| Q4 2023 | 15.20% | 15.20% | 16.49% | 13.38% | $362.7M |
| Q1 2024 | 14.60% | 14.60% | 15.89% | 13.56% | $367.6M |
| Q2 2024 | 15.02% | 15.02% | 15.81% | 14.01% | $363.0M |
| Q3 2024 | 15.80% | 15.80% | 16.82% | 13.83% | $337.6M |
| Q4 2024 | 21.96% | 21.96% | 23.12% | 17.23% | $302.8M |
| Q1 2025 | 23.17% | 23.17% | 24.42% | 17.99% | $282.9M |
| Q2 2025 | 22.87% | 22.87% | 24.11% | 19.08% | $283.9M |
| Q3 2025 | 23.18% | 23.18% | 24.36% | 19.63% | $282.4M |
| Q4 2025 | 23.93% | 23.93% | 25.12% | 19.60% | $274.1M |
| Q1 2026 | 24.55% | 24.55% | 25.70% | 20.16% | $268.6M |
| Q2 2026 | 24.59% | 24.59% | 25.76% | 19.91% | $269.2M |
Bank of England regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of England, 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 England profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13303) · FFIEC NIC profile (RSSD 244149)