Blueharbor 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%.
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.
The standout move of Q2 2026 was in Retained earnings: 7.8% higher than in Q1 2026, at $48.6M. Within North Carolina, Blueharbor Bank is 17th of 26 on CET1 ratio, 13.14% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Blueharbor Bank sits 1.94 points lower, at 13.14% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.14% |
| Tier 1 risk-based capital ratio | 13.14% |
| Total risk-based capital ratio | 14.16% |
| Tier 1 leverage ratio | 11.78% |
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 | $72.6M |
| Tier 1 capital | $72.6M |
| Total risk-based capital | $78.2M |
| Total equity capital | $69.6M |
| Risk-weighted assets | $552.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.08% |
| Tangible equity to tangible assets | 11.08% |
| Equity capital to average assets | 11.29% |
| Internal capital growth rate | 21.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $15.1M |
| Common stock surplus | $9.4M |
| Retained earnings | $48.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| 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 | 14.27% | 14.27% | 15.28% | 12.06% | $361.4M |
| Q4 2023 | 14.27% | 14.27% | 15.29% | 12.37% | $372.8M |
| Q1 2024 | 14.23% | 14.23% | 15.25% | 12.22% | $383.8M |
| Q2 2024 | 13.84% | 13.84% | 14.90% | 11.96% | $402.5M |
| Q3 2024 | 13.56% | 13.56% | 14.60% | 12.03% | $424.3M |
| Q4 2024 | 13.13% | 13.13% | 14.14% | 11.98% | $449.2M |
| Q1 2025 | 13.51% | 13.51% | 14.52% | 12.08% | $453.0M |
| Q2 2025 | 13.08% | 13.08% | 14.09% | 11.96% | $479.8M |
| Q3 2025 | 12.85% | 12.85% | 13.86% | 11.98% | $511.1M |
| Q4 2025 | 12.76% | 12.76% | 13.78% | 11.57% | $534.7M |
| Q1 2026 | 12.71% | 12.71% | 13.72% | 11.44% | $543.0M |
| Q2 2026 | 13.14% | 13.14% | 14.16% | 11.78% | $552.6M |
Blueharbor Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Blueharbor 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 Blueharbor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58691) · FFIEC NIC profile (RSSD 3636914)