Bank of Eufaula: 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 fell 0.44 percentage points to 10.94%.
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 | 12.10% |
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 | $10.6M |
| Tier 1 capital | $10.6M |
| Total risk-based capital | — |
| Total equity capital | $9.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.94% |
| Tangible equity to tangible assets | 10.94% |
| Equity capital to average assets | 10.91% |
| Internal capital growth rate | -0.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $400K |
| Retained earnings | $10.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.0M |
| 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 | 10.00% | 6.97% | 6.97% |
| Q4 2023 | 9.20% | 6.76% | 6.76% |
| Q1 2024 | 9.17% | 7.01% | 7.01% |
| Q2 2024 | 9.53% | 6.98% | 6.98% |
| Q3 2024 | 9.69% | 8.15% | 8.15% |
| Q4 2024 | 9.70% | 7.23% | 7.23% |
| Q1 2025 | 9.81% | 8.47% | 8.47% |
| Q2 2025 | 10.11% | 8.70% | 8.70% |
| Q3 2025 | 11.19% | 10.58% | 10.58% |
| Q4 2025 | 11.89% | 10.67% | 10.67% |
| Q1 2026 | 12.24% | 11.38% | 11.38% |
| Q2 2026 | 12.10% | 10.94% | 10.94% |
Bank of Eufaula regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Eufaula, 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 Eufaula profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4094) · FFIEC NIC profile (RSSD 343051)