Bank of Pensacola: 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%.
Retained earnings rose 3.2% from Q1 2026 to Q2 2026, ending at $12.4M against $12.1M. It was the largest change among the key lines 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 | 9.84% |
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 | $14.1M |
| Tier 1 capital | $14.1M |
| Total risk-based capital | — |
| Total equity capital | $14.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.62% |
| Tangible equity to tangible assets | 9.62% |
| Equity capital to average assets | 9.84% |
| Internal capital growth rate | 11.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $350K |
| Common stock surplus | $1.3M |
| Retained earnings | $12.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 20.75% | 20.75% | 21.66% | 8.72% | $59.9M |
| Q4 2023 | 19.42% | 19.42% | 20.27% | 8.80% | $64.4M |
| Q1 2024 | 20.85% | 20.85% | 21.77% | 8.70% | $59.3M |
| Q2 2024 | 21.07% | 21.07% | 22.00% | 8.78% | $59.2M |
| Q3 2024 | 20.77% | 20.77% | 21.68% | 8.80% | $60.8M |
| Q4 2024 | 18.53% | 18.53% | 19.32% | 8.84% | $69.2M |
| Q1 2025 | 20.72% | 20.72% | 21.59% | 9.33% | $62.5M |
| Q2 2025 | — | — | — | 9.54% | — |
| Q3 2025 | — | — | — | 9.60% | — |
| Q4 2025 | — | — | — | 9.74% | — |
| Q1 2026 | — | — | — | 9.84% | — |
| Q2 2026 | — | — | — | 9.84% | — |
Bank of Pensacola regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Pensacola, 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 Pensacola profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21284) · FFIEC NIC profile (RSSD 581237)