Bank of Franklin: 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 dropped 1.14 percentage points in Q2 2026, from 11.96% to 10.82%. It was the largest change from Q1 2026 among the key lines here.
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 | 9.88% |
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 | $29.5M |
| Tier 1 capital | $29.5M |
| Total risk-based capital | — |
| Total equity capital | $32.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.82% |
| Tangible equity to tangible assets | 9.64% |
| Equity capital to average assets | 10.82% |
| Internal capital growth rate | 10.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $12.6M |
| Retained earnings | $20.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$724K |
| 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 | 11.83% | 9.13% | 9.13% |
| Q4 2023 | 10.85% | 10.28% | 10.28% |
| Q1 2024 | 11.13% | 10.18% | 10.18% |
| Q2 2024 | 11.30% | 10.44% | 10.44% |
| Q3 2024 | 11.44% | 11.16% | 11.16% |
| Q4 2024 | 11.78% | 11.12% | 11.12% |
| Q1 2025 | 12.08% | 11.54% | 11.54% |
| Q2 2025 | 12.18% | 11.58% | 11.58% |
| Q3 2025 | 12.35% | 12.11% | 12.11% |
| Q4 2025 | 12.43% | 12.01% | 12.01% |
| Q1 2026 | 10.89% | 10.50% | 9.30% |
| Q2 2026 | 9.88% | 10.82% | 9.64% |
Bank of Franklin regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Franklin, 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 Franklin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10594) · FFIEC NIC profile (RSSD 68831)