Bank & Trust Company: 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%.
Compared with Q1 2026, Accumulated other comprehensive income fell 2.8% in Q2 2026 to -$3.4M, the biggest move on this page. Within Illinois, Bank & Trust Company is 80th of 198 on CET1 ratio, 16.19% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Bank & Trust Company sits 1.12 points higher, at 16.19% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.19% |
| Tier 1 risk-based capital ratio | 16.19% |
| Total risk-based capital ratio | 17.44% |
| Tier 1 leverage ratio | 11.27% |
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 | $72.3M |
| Tier 1 capital | $72.3M |
| Total risk-based capital | $77.9M |
| Total equity capital | $68.9M |
| Risk-weighted assets | $446.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.74% |
| Tangible equity to tangible assets | 10.74% |
| Equity capital to average assets | 10.73% |
| Internal capital growth rate | 8.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $360K |
| Common stock surplus | $13.9M |
| Retained earnings | $58.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.4M |
| 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 | 15.31% | 15.31% | 16.57% | 10.75% | $320.2M |
| Q4 2023 | 14.76% | 14.76% | 16.01% | 10.48% | $328.9M |
| Q1 2024 | 14.75% | 14.75% | 16.01% | 10.15% | $332.4M |
| Q2 2024 | 15.82% | 15.82% | 17.07% | 10.37% | $383.9M |
| Q3 2024 | 15.76% | 15.76% | 17.01% | 10.62% | $393.5M |
| Q4 2024 | 15.75% | 15.75% | 17.01% | 10.86% | $401.3M |
| Q1 2025 | 16.03% | 16.03% | 17.29% | 10.94% | $403.2M |
| Q2 2025 | 16.09% | 16.09% | 17.35% | 10.83% | $411.4M |
| Q3 2025 | 15.76% | 15.76% | 17.02% | 10.95% | $430.9M |
| Q4 2025 | 15.68% | 15.68% | 16.93% | 11.01% | $440.1M |
| Q1 2026 | 16.00% | 16.00% | 17.25% | 11.11% | $442.6M |
| Q2 2026 | 16.19% | 16.19% | 17.44% | 11.27% | $446.8M |
Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1047) · FFIEC NIC profile (RSSD 496845)