The Bank of Lafayette: 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%.
Compared with Q1 2026, Total equity capital rose 5.2% in Q2 2026 to $18.1M, the biggest move on this page.
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 | 9.35% |
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 | $45.5M |
| Tier 1 capital | $45.5M |
| Total risk-based capital | — |
| Total equity capital | $18.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 4.06% |
| Tangible equity to tangible assets | 4.06% |
| Equity capital to average assets | 3.73% |
| Internal capital growth rate | 24.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $9.2M |
| Retained earnings | $35.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$27.4M |
| 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 | 9.85% | -0.51% | -0.51% |
| Q4 2023 | 9.24% | 0.97% | 0.97% |
| Q1 2024 | 9.14% | 0.59% | 0.59% |
| Q2 2024 | 9.01% | 1.20% | 1.20% |
| Q3 2024 | 9.37% | 3.16% | 3.16% |
| Q4 2024 | 9.56% | 1.58% | 1.58% |
| Q1 2025 | 9.36% | 2.42% | 2.42% |
| Q2 2025 | 9.70% | 3.04% | 3.04% |
| Q3 2025 | 10.00% | 4.29% | 4.29% |
| Q4 2025 | 9.57% | 4.01% | 4.01% |
| Q1 2026 | 9.20% | 3.81% | 3.81% |
| Q2 2026 | 9.35% | 4.06% | 4.06% |
The Bank of Lafayette regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Lafayette, 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 The Bank of Lafayette profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9245) · FFIEC NIC profile (RSSD 944739)