Bank47: 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 Equity capital to total assets: 0.97 percentage points lower than in Q1 2026, at 8.54%.
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 | 12.97% |
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 | $11.8M |
| Tier 1 capital | $11.8M |
| Total risk-based capital | — |
| Total equity capital | $8.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.54% |
| Tangible equity to tangible assets | 8.54% |
| Equity capital to average assets | 9.07% |
| Internal capital growth rate | -35.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $392K |
| Common stock surplus | $24.4M |
| Retained earnings | -$12.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.6M |
| 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 | 21.24% | 21.24% | 22.52% | 9.01% | $23.1M |
| Q4 2023 | 21.17% | 21.17% | 22.46% | 9.12% | $22.7M |
| Q1 2024 | 63.15% | 63.15% | 64.43% | 24.14% | $24.1M |
| Q2 2024 | 64.64% | 64.64% | 65.93% | 22.40% | $22.8M |
| Q3 2024 | 42.84% | 42.84% | 44.10% | 20.23% | $33.3M |
| Q4 2024 | 40.04% | 40.04% | 41.30% | 18.25% | $34.3M |
| Q1 2025 | 33.65% | 33.65% | 34.91% | 17.07% | $38.8M |
| Q2 2025 | 26.01% | 26.01% | 27.28% | 16.33% | $46.8M |
| Q3 2025 | 26.62% | 26.62% | 27.89% | 16.43% | $47.1M |
| Q4 2025 | 22.35% | 22.35% | 23.62% | 13.61% | $51.1M |
| Q1 2026 | — | — | — | 13.50% | — |
| Q2 2026 | — | — | — | 12.97% | — |
Bank47 regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank47, 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 Bank47 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32968) · FFIEC NIC profile (RSSD 1474309)