Bank of Yates City: 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 dropped 9.4% in Q3 2026, from $8.1M to $7.3M. It was the largest change from Q2 2026 among the key lines here.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.88% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $8.8M |
| Tier 1 capital | $8.8M |
| Total risk-based capital | — |
| Total equity capital | $7.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 8.42% |
| Tangible equity to tangible assets | 8.42% |
| Equity capital to average assets | 8.24% |
| Internal capital growth rate | 3.12% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $750K |
| Retained earnings | $7.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 |
|---|---|---|---|
| Q4 2023 | 8.82% | 7.49% | 7.49% |
| Q1 2024 | 9.17% | 7.76% | 7.76% |
| Q2 2024 | 9.51% | 8.05% | 8.05% |
| Q3 2024 | 9.56% | 8.31% | 8.31% |
| Q4 2024 | 8.98% | 7.74% | 7.74% |
| Q1 2025 | 8.87% | 7.78% | 7.78% |
| Q2 2025 | 9.22% | 8.16% | 8.16% |
| Q3 2025 | 9.34% | 8.64% | 8.64% |
| Q4 2025 | 9.26% | 8.90% | 8.90% |
| Q1 2026 | 9.63% | 9.13% | 9.13% |
| Q2 2026 | 9.74% | 9.06% | 9.06% |
| Q3 2026 | 9.88% | 8.42% | 8.42% |
Bank of Yates City regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Yates City, 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 Yates City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11715) · FFIEC NIC profile (RSSD 371849)