The Bank of Tioga: 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%.
Total equity capital climbed 21.0% in Q2 2026, from $7.1M to $8.6M. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, The Bank of Tioga is 8th of 25 on CET1 ratio, 15.38% as of Q2 2026, above the middle of the field. At 15.38%, The Bank of Tioga's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.38% |
| Tier 1 risk-based capital ratio | 15.38% |
| Total risk-based capital ratio | 15.89% |
| Tier 1 leverage ratio | 9.39% |
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 | $38.0M |
| Tier 1 capital | $38.0M |
| Total risk-based capital | $39.3M |
| Total equity capital | $8.6M |
| Risk-weighted assets | $247.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 2.08% |
| Tangible equity to tangible assets | 2.08% |
| Equity capital to average assets | 2.12% |
| Internal capital growth rate | 2.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $450K |
| Common stock surplus | $23.9M |
| Retained earnings | $13.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$29.4M |
| 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 | 12.57% | 12.57% | 12.91% | 7.91% | $211.2M |
| Q4 2023 | 12.35% | 12.35% | 12.71% | 6.87% | $217.3M |
| Q1 2024 | 13.13% | 13.13% | 13.49% | 7.37% | $225.0M |
| Q2 2024 | 13.28% | 13.28% | 13.63% | 7.57% | $231.6M |
| Q3 2024 | 13.76% | 13.76% | 14.19% | 7.68% | $228.2M |
| Q4 2024 | 14.14% | 14.14% | 14.58% | 7.32% | $226.1M |
| Q1 2025 | 14.62% | 14.62% | 15.05% | 7.41% | $222.9M |
| Q2 2025 | 13.97% | 13.97% | 14.45% | 7.47% | $232.5M |
| Q3 2025 | 14.29% | 14.29% | 14.81% | 8.22% | $239.2M |
| Q4 2025 | 15.26% | 15.26% | 15.80% | 8.55% | $226.4M |
| Q1 2026 | 15.64% | 15.64% | 16.15% | 9.34% | $237.9M |
| Q2 2026 | 15.38% | 15.38% | 15.89% | 9.39% | $247.2M |
The Bank of Tioga regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Tioga, 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 Tioga profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17280) · FFIEC NIC profile (RSSD 768953)