BANK3: 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.
The standout move of Q2 2026 was in Retained earnings: 38.1% lower than in Q1 2026, at $2.6M. BANK3 ranks 57th of 71 Tennessee banks on CET1 ratio, in the lower half at 11.70% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. BANK3 sits 3.38 points lower, at 11.70% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.70% |
| Tier 1 risk-based capital ratio | 11.70% |
| Total risk-based capital ratio | 12.74% |
| Tier 1 leverage ratio | 10.98% |
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 | $53.1M |
| Tier 1 capital | $53.1M |
| Total risk-based capital | $57.9M |
| Total equity capital | $51.8M |
| Risk-weighted assets | $454.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.54% |
| Tangible equity to tangible assets | 10.54% |
| Equity capital to average assets | 10.72% |
| Internal capital growth rate | 3.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $50.4M |
| Retained earnings | $2.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 12.89% | 12.89% | 14.02% | 11.30% | $398.1M |
| Q4 2023 | 12.76% | 12.76% | 13.88% | 11.72% | $404.2M |
| Q1 2024 | 12.79% | 12.79% | 13.91% | 11.73% | $405.2M |
| Q2 2024 | 12.52% | 12.52% | 13.62% | 11.68% | $414.8M |
| Q3 2024 | 12.83% | 12.83% | 13.96% | 11.94% | $404.6M |
| Q4 2024 | 13.13% | 13.13% | 14.26% | 12.08% | $397.3M |
| Q1 2025 | 12.82% | 12.82% | 13.94% | 12.08% | $407.8M |
| Q2 2025 | 12.05% | 12.05% | 13.14% | 11.60% | $429.2M |
| Q3 2025 | 11.76% | 11.76% | 12.84% | 11.24% | $442.5M |
| Q4 2025 | 11.58% | 11.58% | 12.60% | 11.03% | $451.3M |
| Q1 2026 | 11.72% | 11.72% | 12.77% | 11.04% | $449.1M |
| Q2 2026 | 11.70% | 11.70% | 12.74% | 10.98% | $454.2M |
BANK3 regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock BANK3, 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 BANK3 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15205) · FFIEC NIC profile (RSSD 502652)