Baybank: 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.
Retained earnings rose 2.9% from Q1 2026 to Q2 2026, ending at $5.6M against $5.5M. It was the largest change among the key lines 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 | 10.71% |
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 | $18.6M |
| Tier 1 capital | $18.6M |
| Total risk-based capital | — |
| Total equity capital | $17.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.00% |
| Tangible equity to tangible assets | 10.00% |
| Equity capital to average assets | 9.97% |
| Internal capital growth rate | 3.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $12.0M |
| Retained earnings | $5.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 9.56% | 7.45% | 7.45% |
| Q4 2023 | 9.49% | 7.79% | 7.79% |
| Q1 2024 | 9.59% | 8.05% | 8.05% |
| Q2 2024 | 9.92% | 8.37% | 8.37% |
| Q3 2024 | 9.92% | 8.93% | 8.93% |
| Q4 2024 | 9.92% | 8.74% | 8.74% |
| Q1 2025 | 9.98% | 8.91% | 8.91% |
| Q2 2025 | 10.13% | 9.26% | 9.26% |
| Q3 2025 | 10.37% | 9.74% | 9.74% |
| Q4 2025 | 10.62% | 9.91% | 9.91% |
| Q1 2026 | 10.77% | 9.82% | 9.82% |
| Q2 2026 | 10.71% | 10.00% | 10.00% |
Baybank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Baybank, 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 Baybank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1092) · FFIEC NIC profile (RSSD 242958)