Bankcda: 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.
Common stock surplus dropped 46.3% in Q2 2026, from $10.8M to $5.8M. 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 | 11.45% |
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 | $27.2M |
| Tier 1 capital | $27.2M |
| Total risk-based capital | — |
| Total equity capital | $26.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.95% |
| Tangible equity to tangible assets | 10.94% |
| Equity capital to average assets | 11.01% |
| Internal capital growth rate | 4.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.5M |
| Common stock surplus | $5.8M |
| Retained earnings | $15.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.90% | 9.58% | 9.56% |
| Q4 2023 | 12.01% | 10.44% | 10.42% |
| Q1 2024 | 12.07% | 10.49% | 10.47% |
| Q2 2024 | 12.37% | 10.87% | 10.85% |
| Q3 2024 | 12.22% | 11.65% | 11.63% |
| Q4 2024 | 12.35% | 11.42% | 11.40% |
| Q1 2025 | 12.70% | 12.32% | 12.31% |
| Q2 2025 | 13.49% | 12.81% | 12.79% |
| Q3 2025 | 13.33% | 12.76% | 12.75% |
| Q4 2025 | 12.88% | 12.65% | 12.64% |
| Q1 2026 | 13.66% | 13.26% | 13.24% |
| Q2 2026 | 11.45% | 10.95% | 10.94% |
Bankcda regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankcda, 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 Bankcda profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57074) · FFIEC NIC profile (RSSD 3010363)