Bankflorida: 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.
Retained earnings dropped 67.0% in Q2 2026, from $1.3M to $422K. It was the largest change from Q1 2026 among the key lines here. Bankflorida ranks 28th of 56 Florida banks on CET1 ratio, in the upper half at 14.29% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Bankflorida sits 0.80 points lower, at 14.29% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.29% |
| Tier 1 risk-based capital ratio | 14.29% |
| Total risk-based capital ratio | 15.54% |
| Tier 1 leverage ratio | 12.58% |
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 | $54.5M |
| Tier 1 capital | $54.5M |
| Total risk-based capital | $59.3M |
| Total equity capital | $54.9M |
| Risk-weighted assets | $381.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.94% |
| Tangible equity to tangible assets | 11.94% |
| Equity capital to average assets | 12.66% |
| Internal capital growth rate | -6.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.8M |
| Common stock surplus | $51.7M |
| Retained earnings | $422K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 13.68% | 13.68% | 14.79% | 12.52% | $292.1M |
| Q4 2023 | 14.29% | 14.29% | 15.49% | 12.44% | $282.2M |
| Q1 2024 | 14.16% | 14.16% | 15.40% | 11.27% | $287.2M |
| Q2 2024 | 13.54% | 13.54% | 14.76% | 11.64% | $303.3M |
| Q3 2024 | 12.97% | 12.97% | 14.22% | 11.57% | $314.0M |
| Q4 2024 | 11.56% | 11.56% | 12.72% | 11.38% | $351.1M |
| Q1 2025 | 12.27% | 12.27% | 13.52% | 10.91% | $335.5M |
| Q2 2025 | 11.38% | 11.38% | 12.57% | 10.50% | $368.8M |
| Q3 2025 | 11.59% | 11.59% | 12.81% | 10.69% | $369.6M |
| Q4 2025 | 11.52% | 11.52% | 12.74% | 10.57% | $381.2M |
| Q1 2026 | 14.54% | 14.54% | 15.79% | 12.83% | $380.6M |
| Q2 2026 | 14.29% | 14.29% | 15.54% | 12.58% | $381.4M |
Bankflorida regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankflorida, 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 Bankflorida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58537) · FFIEC NIC profile (RSSD 3629484)