Bank Plus: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to average assets climbed 0.95 percentage points in Q2 2026, from 11.03% to 11.98%. It was the largest change from Q1 2026 among the key lines here.
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 | 10.67% |
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 | $15.3M |
| Tier 1 capital | $15.3M |
| Total risk-based capital | — |
| Total equity capital | $17.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.08% |
| Tangible equity to tangible assets | 10.44% |
| Equity capital to average assets | 11.98% |
| Internal capital growth rate | 10.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $6.6M |
| Retained earnings | $11.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$459K |
| 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 | 9.75% | 9.75% | 10.96% | 8.71% | $139.1M |
| Q4 2023 | 9.74% | 9.74% | 10.51% | 8.81% | $141.6M |
| Q1 2024 | 9.80% | 9.80% | 10.59% | 8.75% | $143.0M |
| Q2 2024 | 9.93% | 9.93% | 10.70% | 8.95% | $144.7M |
| Q3 2024 | — | — | — | 9.12% | — |
| Q4 2024 | — | — | — | 9.17% | — |
| Q1 2025 | — | — | — | 9.53% | — |
| Q2 2025 | — | — | — | 10.10% | — |
| Q3 2025 | — | — | — | 10.00% | — |
| Q4 2025 | — | — | — | 10.11% | — |
| Q1 2026 | — | — | — | 9.81% | — |
| Q2 2026 | — | — | — | 10.67% | — |
Bank Plus regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Plus, 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 Plus profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16547) · FFIEC NIC profile (RSSD 329149)