The Bank of Romney: 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.38 percentage points to 16.33%.
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 | 15.97% |
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 | $59.9M |
| Tier 1 capital | $59.9M |
| Total risk-based capital | — |
| Total equity capital | $60.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.33% |
| Tangible equity to tangible assets | 16.33% |
| Equity capital to average assets | 15.98% |
| Internal capital growth rate | 6.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $1.5M |
| Retained earnings | $58.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $350K |
| 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 | 14.20% | 12.52% | 12.52% |
| Q4 2023 | 14.09% | 12.94% | 12.94% |
| Q1 2024 | 14.40% | 13.08% | 13.08% |
| Q2 2024 | 14.45% | 13.53% | 13.53% |
| Q3 2024 | 15.11% | 14.33% | 14.33% |
| Q4 2024 | 15.32% | 14.93% | 14.93% |
| Q1 2025 | 15.55% | 15.14% | 15.14% |
| Q2 2025 | 15.85% | 15.86% | 15.86% |
| Q3 2025 | 16.04% | 15.69% | 15.69% |
| Q4 2025 | 15.80% | 15.93% | 15.93% |
| Q1 2026 | 15.91% | 15.94% | 15.94% |
| Q2 2026 | 15.97% | 16.33% | 16.33% |
The Bank of Romney regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Romney, 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 Romney profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 845) · FFIEC NIC profile (RSSD 722432)