Benchmark Community 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, Accumulated other comprehensive income rose 4.9% in Q2 2026 to -$4.4M, the biggest move on this page. Benchmark Community Bank ranks 34th of 44 Virginia banks on CET1 ratio, in the lower half at 13.02% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Benchmark Community Bank sits 0.46 points lower, at 13.02% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.02% |
| Tier 1 risk-based capital ratio | 13.02% |
| Total risk-based capital ratio | 13.87% |
| Tier 1 leverage ratio | 9.80% |
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 | $137.2M |
| Tier 1 capital | $137.2M |
| Total risk-based capital | $146.2M |
| Total equity capital | $133.5M |
| Risk-weighted assets | $1.05B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.44% |
| Tangible equity to tangible assets | 9.39% |
| Equity capital to average assets | 9.58% |
| Internal capital growth rate | 11.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $900K |
| Retained earnings | $135.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.4M |
| 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 | 12.87% | 12.87% | 13.77% | 9.34% | $798.2M |
| Q4 2023 | 12.84% | 12.84% | 13.72% | 9.27% | $811.3M |
| Q1 2024 | 11.76% | 11.76% | 12.55% | 9.29% | $908.8M |
| Q2 2024 | 12.28% | 12.28% | 13.13% | 9.21% | $883.4M |
| Q3 2024 | 11.77% | 11.77% | 12.58% | 9.34% | $957.3M |
| Q4 2024 | 12.10% | 12.10% | 12.93% | 9.28% | $949.9M |
| Q1 2025 | 12.46% | 12.46% | 13.31% | 9.57% | $957.7M |
| Q2 2025 | 12.22% | 12.22% | 13.08% | 9.49% | $996.2M |
| Q3 2025 | 12.56% | 12.56% | 13.41% | 9.68% | $1.01B |
| Q4 2025 | 12.32% | 12.32% | 13.16% | 9.67% | $1.05B |
| Q1 2026 | 12.50% | 12.50% | 13.35% | 9.65% | $1.07B |
| Q2 2026 | 13.02% | 13.02% | 13.87% | 9.80% | $1.05B |
Benchmark Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Benchmark Community 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 Benchmark Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20484) · FFIEC NIC profile (RSSD 94522)