Bank of Grandin: 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 biggest quarter-over-quarter change on this page was a small one: Equity capital to total assets edged up 0.25 percentage points between Q2 2026 and Q3 2026, to 14.54%.
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 | 14.53% |
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 | $35.1M |
| Tier 1 capital | $35.1M |
| Total risk-based capital | — |
| Total equity capital | $34.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 14.54% |
| Tangible equity to tangible assets | 14.54% |
| Equity capital to average assets | 14.45% |
| Internal capital growth rate | 6.14% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $240K |
| Common stock surplus | $530K |
| Retained earnings | $34.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$206K |
| 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 | 14.47% | 13.93% | 13.93% |
| Q1 2024 | 14.42% | 14.10% | 14.10% |
| Q2 2024 | 14.49% | 14.08% | 14.08% |
| Q3 2024 | 14.26% | 13.90% | 13.90% |
| Q4 2024 | 14.14% | 13.94% | 13.94% |
| Q1 2025 | 14.27% | 14.00% | 14.00% |
| Q2 2025 | 14.16% | 14.09% | 14.09% |
| Q3 2025 | 14.24% | 14.19% | 14.19% |
| Q4 2025 | 14.22% | 14.16% | 14.16% |
| Q1 2026 | 14.50% | 14.47% | 14.47% |
| Q2 2026 | 14.66% | 14.29% | 14.29% |
| Q3 2026 | 14.53% | 14.54% | 14.54% |
Bank of Grandin regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Grandin, 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 Grandin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9392) · FFIEC NIC profile (RSSD 1351)