Bank of York: 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 Total risk-based capital ratio: 1.70 percentage points higher than in Q1 2026, at 35.12%. On CET1 ratio, Bank of York ranks 3rd highest among the 30 banks headquartered in South Carolina, at 34.14% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, Bank of York reported 34.14% on CET1 ratio in Q2 2026, 19.07 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 34.14% |
| Tier 1 risk-based capital ratio | 34.14% |
| Total risk-based capital ratio | 35.12% |
| Tier 1 leverage ratio | 12.88% |
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 | $40.1M |
| Tier 1 capital | $40.1M |
| Total risk-based capital | $41.2M |
| Total equity capital | $39.7M |
| Risk-weighted assets | $117.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.49% |
| Tangible equity to tangible assets | 12.49% |
| Equity capital to average assets | 12.75% |
| Internal capital growth rate | 14.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $330K |
| Common stock surplus | $4.7M |
| Retained earnings | $35.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$391K |
| 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 | 30.85% | 30.85% | 31.72% | 10.85% | $106.4M |
| Q4 2023 | 28.32% | 28.32% | 29.26% | 10.24% | $108.8M |
| Q1 2024 | 28.86% | 28.86% | 29.77% | 10.89% | $111.0M |
| Q2 2024 | 30.31% | 30.31% | 31.20% | 11.54% | $110.9M |
| Q3 2024 | 30.84% | 30.84% | 31.71% | 11.97% | $113.7M |
| Q4 2024 | 29.41% | 29.41% | 30.45% | 11.51% | $116.5M |
| Q1 2025 | 29.84% | 29.84% | 30.86% | 12.16% | $118.8M |
| Q2 2025 | 31.72% | 31.72% | 32.75% | 12.29% | $116.0M |
| Q3 2025 | 32.66% | 32.66% | 33.67% | 12.42% | $117.1M |
| Q4 2025 | 32.00% | 32.00% | 32.98% | 12.25% | $116.7M |
| Q1 2026 | 32.46% | 32.46% | 33.42% | 12.59% | $119.0M |
| Q2 2026 | 34.14% | 34.14% | 35.12% | 12.88% | $117.3M |
Bank of York regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of York, 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 York profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15104) · FFIEC NIC profile (RSSD 922924)