BankPlus: 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.5% to $340.1M.
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 | 10.84% |
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 | $888.6M |
| Tier 1 capital | $888.6M |
| Total risk-based capital | — |
| Total equity capital | $942.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.25% |
| Tangible equity to tangible assets | 10.52% |
| Equity capital to average assets | 11.40% |
| Internal capital growth rate | 4.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $900K |
| Common stock surplus | $614.7M |
| Retained earnings | $340.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$13.5M |
| 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 | 9.20% | 9.18% | 8.30% |
| Q4 2023 | 10.01% | 10.15% | 9.29% |
| Q1 2024 | 10.01% | 10.10% | 9.26% |
| Q2 2024 | 10.01% | 10.28% | 9.45% |
| Q3 2024 | 10.09% | 10.43% | 9.62% |
| Q4 2024 | 10.13% | 10.48% | 9.67% |
| Q1 2025 | 10.37% | 10.68% | 9.89% |
| Q2 2025 | 10.52% | 11.21% | 10.41% |
| Q3 2025 | 10.84% | 11.40% | 10.61% |
| Q4 2025 | 10.91% | 11.42% | 10.65% |
| Q1 2026 | 10.77% | 11.27% | 10.53% |
| Q2 2026 | 10.84% | 11.25% | 10.52% |
BankPlus regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock BankPlus, 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 BankPlus profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5903) · FFIEC NIC profile (RSSD 121642)