Bank of Halls: 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 Q2 2026 was in Risk-weighted assets: 8.4% higher than in Q1 2026, at $85.3M. Within Tennessee, Bank of Halls is 43rd of 71 on CET1 ratio, 12.79% as of Q2 2026, below the middle of the field. Bank of Halls reported 12.79% on CET1 ratio for Q2 2026, 2.28 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.79% |
| Tier 1 risk-based capital ratio | 12.79% |
| Total risk-based capital ratio | 13.88% |
| Tier 1 leverage ratio | 7.95% |
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 | $10.9M |
| Tier 1 capital | $10.9M |
| Total risk-based capital | $11.8M |
| Total equity capital | $10.4M |
| Risk-weighted assets | $85.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.73% |
| Tangible equity to tangible assets | 7.73% |
| Equity capital to average assets | 7.58% |
| Internal capital growth rate | -5.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $1.0M |
| Retained earnings | $9.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$515K |
| 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 | 14.67% | 14.67% | 15.87% | 8.20% | $72.6M |
| Q4 2023 | 13.06% | 13.06% | 14.23% | 7.16% | $76.6M |
| Q1 2024 | 13.77% | 13.77% | 15.02% | 7.21% | $74.6M |
| Q2 2024 | 13.77% | 13.77% | 15.01% | 7.36% | $74.0M |
| Q3 2024 | 13.97% | 13.97% | 15.20% | 7.91% | $75.5M |
| Q4 2024 | 12.83% | 12.83% | 13.98% | 7.85% | $81.0M |
| Q1 2025 | 13.26% | 13.26% | 14.42% | 7.79% | $80.2M |
| Q2 2025 | 14.33% | 14.33% | 15.52% | 8.20% | $77.5M |
| Q3 2025 | 13.46% | 13.46% | 14.61% | 8.52% | $80.7M |
| Q4 2025 | 13.00% | 13.00% | 14.12% | 7.93% | $82.5M |
| Q1 2026 | 14.04% | 14.04% | 15.22% | 8.01% | $78.7M |
| Q2 2026 | 12.79% | 12.79% | 13.88% | 7.95% | $85.3M |
Bank of Halls regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Halls, 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 Halls profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10315) · FFIEC NIC profile (RSSD 145059)