Banktennessee: 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%.
Accumulated other comprehensive income climbed 15.4% in Q2 2026, from -$1.9M to -$1.6M. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Banktennessee is 52nd of 71 on CET1 ratio, 12.05% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Banktennessee sits 3.02 points lower, at 12.05% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.05% |
| Tier 1 risk-based capital ratio | 12.05% |
| Total risk-based capital ratio | 13.30% |
| Tier 1 leverage ratio | 9.73% |
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 | $60.1M |
| Tier 1 capital | $60.1M |
| Total risk-based capital | $66.3M |
| Total equity capital | $61.7M |
| Risk-weighted assets | $498.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.78% |
| Tangible equity to tangible assets | 9.33% |
| Equity capital to average assets | 9.93% |
| Internal capital growth rate | 6.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $30.1M |
| Common stock surplus | $0 |
| Retained earnings | $33.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 9.67% | 9.67% | 10.92% | 8.57% | $491.1M |
| Q4 2023 | 9.99% | 9.99% | 11.24% | 8.60% | $488.0M |
| Q1 2024 | 10.48% | 10.48% | 11.73% | 8.69% | $478.8M |
| Q2 2024 | 10.48% | 10.48% | 11.74% | 8.75% | $486.3M |
| Q3 2024 | 10.61% | 10.61% | 11.86% | 8.87% | $490.9M |
| Q4 2024 | 10.87% | 10.87% | 12.12% | 8.97% | $496.6M |
| Q1 2025 | 11.22% | 11.22% | 12.47% | 9.16% | $494.1M |
| Q2 2025 | 11.51% | 11.51% | 12.76% | 9.30% | $487.8M |
| Q3 2025 | 11.67% | 11.67% | 12.92% | 9.39% | $491.2M |
| Q4 2025 | 11.76% | 11.76% | 13.01% | 9.58% | $495.1M |
| Q1 2026 | 12.01% | 12.01% | 13.26% | 9.71% | $492.6M |
| Q2 2026 | 12.05% | 12.05% | 13.30% | 9.73% | $498.6M |
Banktennessee regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Banktennessee, 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 Banktennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29177) · FFIEC NIC profile (RSSD 831576)