Belmont Bank & Trust Company: 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, Accumulated other comprehensive income rose 6.8% in Q2 2026 to -$9.8M, the biggest move on this page. Within Illinois, Belmont Bank & Trust Company is 91st of 198 on CET1 ratio, 15.68% as of Q2 2026, above the middle of the field. Belmont Bank & Trust Company reported 15.68% on CET1 ratio for Q2 2026, 2.20 points above 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 | 15.68% |
| Tier 1 risk-based capital ratio | 15.68% |
| Total risk-based capital ratio | 16.86% |
| Tier 1 leverage ratio | 11.87% |
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 | $123.4M |
| Tier 1 capital | $123.4M |
| Total risk-based capital | $132.8M |
| Total equity capital | $113.6M |
| Risk-weighted assets | $787.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.82% |
| Tangible equity to tangible assets | 10.82% |
| Equity capital to average assets | 10.93% |
| Internal capital growth rate | 13.28% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $30.6M |
| Retained earnings | $91.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.8M |
| 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 | 15.52% | 15.52% | 16.68% | 11.87% | $710.4M |
| Q4 2023 | 15.93% | 15.93% | 17.08% | 12.16% | $712.2M |
| Q1 2024 | 16.33% | 16.33% | 17.48% | 12.49% | $712.8M |
| Q2 2024 | 16.57% | 16.57% | 17.71% | 12.84% | $719.2M |
| Q3 2024 | 16.40% | 16.40% | 17.53% | 12.95% | $744.6M |
| Q4 2024 | 15.50% | 15.50% | 16.63% | 11.98% | $743.1M |
| Q1 2025 | 15.39% | 15.39% | 16.51% | 12.20% | $769.9M |
| Q2 2025 | 15.84% | 15.84% | 16.97% | 12.40% | $769.2M |
| Q3 2025 | 15.07% | 15.07% | 16.18% | 11.69% | $782.6M |
| Q4 2025 | 14.88% | 14.88% | 16.04% | 11.13% | $779.5M |
| Q1 2026 | 15.68% | 15.68% | 16.87% | 11.49% | $763.5M |
| Q2 2026 | 15.68% | 15.68% | 16.86% | 11.87% | $787.5M |
Belmont Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Belmont Bank & Trust Company, 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 Belmont Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58165) · FFIEC NIC profile (RSSD 3391718)