Bay Port State Bank: 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%.
Compared with Q1 2026, Retained earnings rose 4.8% in Q2 2026 to $10.1M, the biggest move on this page.
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 | 10.89% |
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 | $16.6M |
| Tier 1 capital | $16.6M |
| Total risk-based capital | — |
| Total equity capital | $16.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.77% |
| Tangible equity to tangible assets | 10.77% |
| Equity capital to average assets | 10.86% |
| Internal capital growth rate | 11.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $550K |
| Common stock surplus | $5.9M |
| Retained earnings | $10.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$41K |
| 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 | 12.30% | 12.30% | 13.55% | 8.84% | $99.9M |
| Q4 2023 | 12.58% | 12.58% | 13.83% | 9.07% | $100.4M |
| Q1 2024 | 12.61% | 12.61% | 13.86% | 8.91% | $102.9M |
| Q2 2024 | 12.87% | 12.87% | 14.12% | 9.08% | $103.5M |
| Q3 2024 | 13.11% | 13.11% | 14.36% | 9.28% | $104.7M |
| Q4 2024 | 13.49% | 13.49% | 14.74% | 9.55% | $104.2M |
| Q1 2025 | — | — | — | 9.56% | — |
| Q2 2025 | — | — | — | 9.85% | — |
| Q3 2025 | — | — | — | 10.05% | — |
| Q4 2025 | — | — | — | 10.23% | — |
| Q1 2026 | — | — | — | 10.55% | — |
| Q2 2026 | — | — | — | 10.89% | — |
Bay Port State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bay Port State Bank, 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 Bay Port State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15585) · FFIEC NIC profile (RSSD 961446)