Bank of Tennessee: 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%.
Risk-weighted assets rose 6.2% from Q1 2026 to Q2 2026, ending at $1.85B against $1.74B. It was the largest change among the key lines on this page. Within Tennessee, Bank of Tennessee is 61st of 71 on CET1 ratio, 11.31% as of Q2 2026, below the middle of the field. Bank of Tennessee reported 11.31% on CET1 ratio for Q2 2026, 2.17 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.31% |
| Tier 1 risk-based capital ratio | 11.31% |
| Total risk-based capital ratio | 12.29% |
| Tier 1 leverage ratio | 9.63% |
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 | $209.3M |
| Tier 1 capital | $209.3M |
| Total risk-based capital | $227.4M |
| Total equity capital | $198.0M |
| Risk-weighted assets | $1.85B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.80% |
| Tangible equity to tangible assets | 8.80% |
| Equity capital to average assets | 9.09% |
| Internal capital growth rate | 13.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.3M |
| Common stock surplus | $26.1M |
| Retained earnings | $185.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15.7M |
| 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 | 11.58% | 11.58% | 12.59% | 9.59% | $1.51B |
| Q4 2023 | 11.46% | 11.46% | 12.45% | 9.45% | $1.53B |
| Q1 2024 | 11.62% | 11.62% | 12.57% | 9.45% | $1.52B |
| Q2 2024 | 11.53% | 11.53% | 12.49% | 9.41% | $1.54B |
| Q3 2024 | 11.87% | 11.87% | 12.86% | 9.40% | $1.51B |
| Q4 2024 | 11.48% | 11.48% | 12.47% | 9.49% | $1.59B |
| Q1 2025 | 11.56% | 11.56% | 12.60% | 9.44% | $1.60B |
| Q2 2025 | 11.87% | 11.87% | 12.92% | 9.67% | $1.59B |
| Q3 2025 | 12.03% | 12.03% | 13.04% | 9.59% | $1.61B |
| Q4 2025 | 11.84% | 11.84% | 12.86% | 9.62% | $1.67B |
| Q1 2026 | 11.65% | 11.65% | 12.69% | 9.74% | $1.74B |
| Q2 2026 | 11.31% | 11.31% | 12.29% | 9.63% | $1.85B |
Bank of Tennessee regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Tennessee, 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 Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21573) · FFIEC NIC profile (RSSD 340135)