Bankpacific, Ltd.: 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.
In Q2 2026, Retained earnings edged up by 1.8%, from $21.1M to $21.4M, the largest move among the key lines here. Bankpacific, Ltd.'s CET1 ratio of 26.81% is well above the 15.08% median for banks in the $100M-1B asset tier, a gap of 11.73 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 26.81% |
| Tier 1 risk-based capital ratio | 26.81% |
| Total risk-based capital ratio | 27.94% |
| Tier 1 leverage ratio | 11.91% |
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 | $22.2M |
| Tier 1 capital | $22.2M |
| Total risk-based capital | $23.2M |
| Total equity capital | $22.2M |
| Risk-weighted assets | $83.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.60% |
| Tangible equity to tangible assets | 11.60% |
| Equity capital to average assets | 11.91% |
| Internal capital growth rate | 6.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $640K |
| Common stock surplus | $525K |
| Retained earnings | $21.4M |
| 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 | 24.26% | 24.26% | 25.25% | 10.65% | $81.3M |
| Q4 2023 | 24.13% | 24.13% | 25.16% | 10.86% | $83.1M |
| Q1 2024 | 24.45% | 24.45% | 25.57% | 11.12% | $84.1M |
| Q2 2024 | 25.07% | 25.07% | 26.33% | 11.56% | $82.1M |
| Q3 2024 | 25.17% | 25.17% | 26.38% | 11.70% | $81.2M |
| Q4 2024 | 24.88% | 24.88% | 26.11% | 11.84% | $82.7M |
| Q1 2025 | 24.37% | 24.37% | 25.62% | 11.50% | $85.4M |
| Q2 2025 | 25.23% | 25.23% | 26.48% | 11.98% | $83.7M |
| Q3 2025 | 26.45% | 26.45% | 27.70% | 12.01% | $80.4M |
| Q4 2025 | 27.24% | 27.24% | 28.49% | 12.38% | $79.2M |
| Q1 2026 | 26.83% | 26.83% | 28.04% | 11.87% | $81.5M |
| Q2 2026 | 26.81% | 26.81% | 27.94% | 11.91% | $83.0M |
Bankpacific, Ltd. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankpacific, Ltd., 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 Bankpacific, Ltd. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30692) · FFIEC NIC profile (RSSD 364270)