The Bank of Tescott: 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 17.7% lower than in Q1 2026, at -$6.2M.
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 | 10.62% |
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 | $68.8M |
| Tier 1 capital | $68.8M |
| Total risk-based capital | — |
| Total equity capital | $67.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.35% |
| Tangible equity to tangible assets | 9.72% |
| Equity capital to average assets | 10.28% |
| Internal capital growth rate | 8.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $12.9M |
| Retained earnings | $59.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.2M |
| 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 | 14.70% | 12.35% | 12.35% |
| Q4 2023 | 14.61% | 12.74% | 12.74% |
| Q1 2024 | 14.53% | 12.52% | 12.52% |
| Q2 2024 | 14.45% | 12.43% | 12.43% |
| Q3 2024 | 14.10% | 12.72% | 12.72% |
| Q4 2024 | 13.87% | 12.10% | 12.10% |
| Q1 2025 | 13.59% | 12.12% | 12.12% |
| Q2 2025 | 12.20% | 9.87% | 9.10% |
| Q3 2025 | 10.78% | 10.92% | 10.15% |
| Q4 2025 | 10.79% | 10.28% | 9.59% |
| Q1 2026 | 10.46% | 10.37% | 9.71% |
| Q2 2026 | 10.62% | 10.35% | 9.72% |
The Bank of Tescott regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Tescott, 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 Tescott profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1868) · FFIEC NIC profile (RSSD 54058)