Bank of the Sierra: 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 0.31 percentage points to 12.02%.
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 | 12.25% |
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 | $443.9M |
| Tier 1 capital | $443.9M |
| Total risk-based capital | — |
| Total equity capital | $447.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.02% |
| Tangible equity to tangible assets | 11.37% |
| Equity capital to average assets | 12.24% |
| Internal capital growth rate | 5.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $73.3M |
| Common stock surplus | $85.9M |
| Retained earnings | $312.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$24.2M |
| 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 | 11.05% | 10.15% | 9.44% |
| Q4 2023 | 11.29% | 11.00% | 10.30% |
| Q1 2024 | 11.57% | 11.32% | 10.60% |
| Q2 2024 | 11.60% | 11.29% | 10.60% |
| Q3 2024 | 11.70% | 11.58% | 10.90% |
| Q4 2024 | 11.80% | 11.76% | 11.07% |
| Q1 2025 | 12.11% | 12.00% | 11.32% |
| Q2 2025 | 11.75% | 11.42% | 10.77% |
| Q3 2025 | 11.73% | 11.74% | 11.08% |
| Q4 2025 | 11.94% | 11.55% | 10.92% |
| Q1 2026 | 12.05% | 11.72% | 11.07% |
| Q2 2026 | 12.25% | 12.02% | 11.37% |
Bank of the Sierra regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Sierra, 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 the Sierra profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22597) · FFIEC NIC profile (RSSD 662369)