Bankchampaign, N.A.: 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%.
Equity capital to total assets rose 0.45 percentage points from Q1 2026 to Q2 2026, ending at 11.96% against 11.52%. It was the largest change among the key lines on this page. Within Illinois, Bankchampaign, N.A. is 107th of 198 on CET1 ratio, 14.63% as of Q2 2026, below the middle of the field. At 14.63%, Bankchampaign, N.A.'s CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.63% |
| Tier 1 risk-based capital ratio | 14.63% |
| Total risk-based capital ratio | 15.89% |
| Tier 1 leverage ratio | 11.84% |
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 | $30.1M |
| Tier 1 capital | $30.1M |
| Total risk-based capital | $32.7M |
| Total equity capital | $29.1M |
| Risk-weighted assets | $205.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.96% |
| Tangible equity to tangible assets | 11.96% |
| Equity capital to average assets | 11.43% |
| Internal capital growth rate | -5.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $11.6M |
| Retained earnings | $18.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.0M |
| 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 | 15.38% | 15.38% | 16.64% | 13.50% | $178.4M |
| Q4 2023 | 15.01% | 15.01% | 16.27% | 13.45% | $188.9M |
| Q1 2024 | 15.21% | 15.21% | 16.46% | 12.92% | $184.6M |
| Q2 2024 | 14.52% | 14.52% | 15.78% | 12.51% | $189.6M |
| Q3 2024 | 15.31% | 15.31% | 16.57% | 12.96% | $192.1M |
| Q4 2024 | 14.83% | 14.83% | 16.08% | 13.46% | $205.7M |
| Q1 2025 | 13.62% | 13.62% | 14.87% | 12.29% | $214.0M |
| Q2 2025 | 13.77% | 13.77% | 15.03% | 12.08% | $206.7M |
| Q3 2025 | 13.41% | 13.41% | 14.67% | 11.80% | $214.6M |
| Q4 2025 | 13.88% | 13.88% | 15.14% | 12.09% | $217.4M |
| Q1 2026 | 14.65% | 14.65% | 15.90% | 12.07% | $208.1M |
| Q2 2026 | 14.63% | 14.63% | 15.89% | 11.84% | $205.6M |
Bankchampaign, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankchampaign, N.A., 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 Bankchampaign, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22434) · FFIEC NIC profile (RSSD 436739)