Bankmiami: 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 standout move of Q2 2026 was in Equity capital to average assets: 4.23 percentage points lower than in Q1 2026, at 11.82%. Bankmiami ranks 8th of 56 Florida banks on CET1 ratio, in the upper half at 28.79% (Q2 2026). Bankmiami's CET1 ratio of 28.79% is well above the 15.08% median for banks in the $100M-1B asset tier, a gap of 13.71 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 28.79% |
| Tier 1 risk-based capital ratio | 28.79% |
| Total risk-based capital ratio | 29.73% |
| Tier 1 leverage ratio | 11.43% |
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 | $33.6M |
| Tier 1 capital | $33.6M |
| Total risk-based capital | $34.7M |
| Total equity capital | $34.9M |
| Risk-weighted assets | $116.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.99% |
| Tangible equity to tangible assets | 10.98% |
| Equity capital to average assets | 11.82% |
| Internal capital growth rate | -5.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $19.3M |
| Common stock surplus | $19.7M |
| Retained earnings | -$4.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$33K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 6 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 |
|---|---|---|---|---|---|
| Q1 2025 | 433.10% | 433.10% | 433.10% | 96.40% | $8.7M |
| Q2 2025 | 140.41% | 140.41% | 141.02% | 68.49% | $26.0M |
| Q3 2025 | 77.48% | 77.48% | 78.39% | 32.44% | $45.8M |
| Q4 2025 | 41.63% | 41.63% | 42.55% | 20.94% | $83.1M |
| Q1 2026 | 36.24% | 36.24% | 37.13% | 15.59% | $94.1M |
| Q2 2026 | 28.79% | 28.79% | 29.73% | 11.43% | $116.8M |
Bankmiami regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankmiami, 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 Bankmiami profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59354) · FFIEC NIC profile (RSSD 5906497)