BANK419: 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 largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which fell 3.1% to $67.0M. Within Ohio, BANK419 is 48th of 84 on CET1 ratio, 13.61% as of Q2 2026. BANK419 reported 13.61% on CET1 ratio for Q2 2026, 6.35 points below the 19.96% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.61% |
| Tier 1 risk-based capital ratio | 13.61% |
| Total risk-based capital ratio | 14.86% |
| Tier 1 leverage ratio | 9.27% |
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 | $9.1M |
| Tier 1 capital | $9.1M |
| Total risk-based capital | $9.9M |
| Total equity capital | $8.6M |
| Risk-weighted assets | $67.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.76% |
| Tangible equity to tangible assets | 8.76% |
| Equity capital to average assets | 8.75% |
| Internal capital growth rate | 1.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $375K |
| Common stock surplus | $1.1M |
| Retained earnings | $7.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$519K |
| 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 | 13.09% | 13.09% | 14.34% | 8.79% | $63.0M |
| Q4 2023 | 12.50% | 12.50% | 13.74% | 8.44% | $65.8M |
| Q1 2024 | 12.85% | 12.85% | 14.10% | 8.42% | $65.0M |
| Q2 2024 | 12.71% | 12.71% | 13.95% | 8.67% | $66.5M |
| Q3 2024 | 12.68% | 12.68% | 13.92% | 8.89% | $67.7M |
| Q4 2024 | 13.10% | 13.10% | 14.32% | 9.02% | $66.4M |
| Q1 2025 | 13.39% | 13.39% | 14.64% | 9.30% | $65.1M |
| Q2 2025 | 12.99% | 12.99% | 14.24% | 9.31% | $67.5M |
| Q3 2025 | 12.84% | 12.84% | 14.09% | 9.27% | $69.3M |
| Q4 2025 | 12.76% | 12.76% | 14.01% | 9.09% | $70.0M |
| Q1 2026 | 13.14% | 13.14% | 14.39% | 9.03% | $69.2M |
| Q2 2026 | 13.61% | 13.61% | 14.86% | 9.27% | $67.0M |
BANK419 regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock BANK419, 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 BANK419 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16167) · FFIEC NIC profile (RSSD 533227)