Barrington Bank & Trust Company, N.A.: 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%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 4.7% to -$24.9M. Within Illinois, Barrington Bank & Trust Company, N.A. is 175th of 198 on CET1 ratio, 10.91% as of Q2 2026, below the middle of the field. Barrington Bank & Trust Company, N.A. reported 10.91% on CET1 ratio for Q2 2026, 2.57 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.91% |
| Tier 1 risk-based capital ratio | 10.91% |
| Total risk-based capital ratio | 11.53% |
| Tier 1 leverage ratio | 10.08% |
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 | $500.6M |
| Tier 1 capital | $500.6M |
| Total risk-based capital | $529.3M |
| Total equity capital | $527.8M |
| Risk-weighted assets | $4.59B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.22% |
| Tangible equity to tangible assets | 9.49% |
| Equity capital to average assets | 10.52% |
| Internal capital growth rate | 9.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $205.9M |
| Retained earnings | $344.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$24.9M |
| 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 | 11.22% | 11.22% | 11.67% | 10.67% | $3.58B |
| Q4 2023 | 11.15% | 11.15% | 11.57% | 10.80% | $3.73B |
| Q1 2024 | 10.56% | 10.56% | 11.03% | 10.64% | $4.01B |
| Q2 2024 | 11.10% | 11.10% | 11.58% | 10.53% | $3.93B |
| Q3 2024 | 11.34% | 11.34% | 11.81% | 11.03% | $4.02B |
| Q4 2024 | 10.96% | 10.96% | 11.43% | 10.66% | $4.13B |
| Q1 2025 | 11.12% | 11.12% | 11.66% | 10.85% | $4.22B |
| Q2 2025 | 11.10% | 11.10% | 11.65% | 10.90% | $4.41B |
| Q3 2025 | 11.29% | 11.29% | 11.84% | 10.85% | $4.54B |
| Q4 2025 | 10.93% | 10.93% | 11.54% | 10.42% | $4.50B |
| Q1 2026 | 10.85% | 10.85% | 11.49% | 10.46% | $4.52B |
| Q2 2026 | 10.91% | 10.91% | 11.53% | 10.08% | $4.59B |
Barrington Bank & Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Barrington Bank & Trust Company, N.A., 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 Barrington Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34395) · FFIEC NIC profile (RSSD 2508751)