Bank of Perry County: 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, Risk-weighted assets rose 2.8% in Q2 2026 to $179.7M, the biggest move on this page. Within Tennessee, Bank of Perry County is 44th of 71 on CET1 ratio, 12.76% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Bank of Perry County sits 2.31 points lower, at 12.76% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.76% |
| Tier 1 risk-based capital ratio | 12.76% |
| Total risk-based capital ratio | 13.91% |
| Tier 1 leverage ratio | 9.11% |
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 | $22.9M |
| Tier 1 capital | $22.9M |
| Total risk-based capital | $25.0M |
| Total equity capital | $23.0M |
| Risk-weighted assets | $179.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.09% |
| Tangible equity to tangible assets | 9.09% |
| Equity capital to average assets | 9.14% |
| Internal capital growth rate | 0.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $70K |
| Common stock surplus | $70K |
| Retained earnings | $22.9M |
| 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 | 12.60% | 12.60% | 13.81% | 9.08% | $157.2M |
| Q4 2023 | 12.94% | 12.94% | 14.14% | 9.05% | $158.2M |
| Q1 2024 | 13.18% | 13.18% | 14.40% | 9.21% | $155.6M |
| Q2 2024 | 12.97% | 12.97% | 14.18% | 9.25% | $157.8M |
| Q3 2024 | 12.87% | 12.87% | 14.05% | 9.16% | $161.0M |
| Q4 2024 | 13.14% | 13.14% | 14.29% | 9.17% | $162.5M |
| Q1 2025 | 13.05% | 13.05% | 14.22% | 9.28% | $165.2M |
| Q2 2025 | 12.95% | 12.95% | 14.10% | 9.06% | $166.3M |
| Q3 2025 | 12.94% | 12.94% | 14.09% | 9.09% | $170.0M |
| Q4 2025 | 13.32% | 13.32% | 14.46% | 9.39% | $170.9M |
| Q1 2026 | 13.15% | 13.15% | 14.31% | 9.39% | $174.9M |
| Q2 2026 | 12.76% | 12.76% | 13.91% | 9.11% | $179.7M |
Bank of Perry County regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Perry County, 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 Perry County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1713) · FFIEC NIC profile (RSSD 284239)