Bank of Travelers Rest: 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%.
Retained earnings rose 3.1% from Q1 2026 to Q2 2026, ending at $131.2M against $127.3M. It was the largest change among the key lines on this page. Within South Carolina, Bank of Travelers Rest is 14th of 30 on CET1 ratio, 15.87% 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. Bank of Travelers Rest sits 2.39 points higher, at 15.87% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.87% |
| Tier 1 risk-based capital ratio | 15.87% |
| Total risk-based capital ratio | 17.07% |
| Tier 1 leverage ratio | 10.29% |
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 | $165.6M |
| Tier 1 capital | $165.6M |
| Total risk-based capital | $178.1M |
| Total equity capital | $147.0M |
| Risk-weighted assets | $1.04B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.18% |
| Tangible equity to tangible assets | 9.18% |
| Equity capital to average assets | 9.14% |
| Internal capital growth rate | 10.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.1M |
| Common stock surplus | $31.3M |
| Retained earnings | $131.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$18.6M |
| 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 | 14.90% | 14.90% | 16.13% | 9.53% | $872.1M |
| Q4 2023 | 14.88% | 14.88% | 16.11% | 9.57% | $888.1M |
| Q1 2024 | 14.75% | 14.75% | 15.95% | 9.57% | $911.5M |
| Q2 2024 | 14.73% | 14.73% | 15.92% | 9.49% | $927.4M |
| Q3 2024 | 14.85% | 14.85% | 16.07% | 9.68% | $941.1M |
| Q4 2024 | 14.77% | 14.77% | 15.97% | 9.43% | $966.3M |
| Q1 2025 | 14.81% | 14.81% | 15.99% | 9.55% | $984.6M |
| Q2 2025 | 14.89% | 14.89% | 16.08% | 9.64% | $998.8M |
| Q3 2025 | 14.90% | 14.90% | 16.08% | 9.79% | $1.02B |
| Q4 2025 | 15.16% | 15.16% | 16.35% | 9.85% | $1.02B |
| Q1 2026 | 15.33% | 15.33% | 16.50% | 10.23% | $1.06B |
| Q2 2026 | 15.87% | 15.87% | 17.07% | 10.29% | $1.04B |
Bank of Travelers Rest regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Travelers Rest, 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 Travelers Rest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16389) · FFIEC NIC profile (RSSD 589523)