The Bank of Tampa: 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, Accumulated other comprehensive income rose 6.9% in Q2 2026 to -$47.0M, the biggest move on this page. Within Florida, The Bank of Tampa is 27th of 56 on CET1 ratio, 14.52% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. The Bank of Tampa sits 1.04 points higher, at 14.52% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.52% |
| Tier 1 risk-based capital ratio | 14.52% |
| Total risk-based capital ratio | 15.77% |
| Tier 1 leverage ratio | 10.97% |
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 | $336.0M |
| Tier 1 capital | $336.0M |
| Total risk-based capital | $364.9M |
| Total equity capital | $295.2M |
| Risk-weighted assets | $2.31B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.76% |
| Tangible equity to tangible assets | 9.58% |
| Equity capital to average assets | 9.62% |
| Internal capital growth rate | 9.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $77.6M |
| Retained earnings | $262.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$47.0M |
| 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 | 13.90% | 13.90% | 14.92% | 8.78% | $1.99B |
| Q4 2023 | 14.04% | 14.04% | 15.13% | 8.74% | $1.99B |
| Q1 2024 | 13.77% | 13.77% | 14.89% | 9.18% | $2.06B |
| Q2 2024 | 14.22% | 14.22% | 15.38% | 9.38% | $2.04B |
| Q3 2024 | 14.27% | 14.27% | 15.46% | 9.81% | $2.08B |
| Q4 2024 | 14.62% | 14.62% | 15.82% | 9.89% | $2.08B |
| Q1 2025 | 14.45% | 14.45% | 15.68% | 10.23% | $2.14B |
| Q2 2025 | 14.54% | 14.54% | 15.79% | 10.43% | $2.17B |
| Q3 2025 | 14.78% | 14.78% | 16.03% | 10.49% | $2.16B |
| Q4 2025 | 14.84% | 14.84% | 16.09% | 10.57% | $2.19B |
| Q1 2026 | 14.81% | 14.81% | 16.06% | 10.82% | $2.22B |
| Q2 2026 | 14.52% | 14.52% | 15.77% | 10.97% | $2.31B |
The Bank of Tampa regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Tampa, 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 Tampa profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21031) · FFIEC NIC profile (RSSD 273336)