Bna 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: 93.1% higher than in Q1 2026, at $7.0M. Within Mississippi, Bna Bank is 5th of 20 on CET1 ratio, 18.04% as of Q2 2026. Bna Bank reported 18.04% on CET1 ratio for Q2 2026, 2.96 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.04% |
| Tier 1 risk-based capital ratio | 18.04% |
| Total risk-based capital ratio | 18.88% |
| Tier 1 leverage ratio | 12.49% |
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 | $104.2M |
| Tier 1 capital | $104.2M |
| Total risk-based capital | $109.0M |
| Total equity capital | $94.2M |
| Risk-weighted assets | $577.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.01% |
| Tangible equity to tangible assets | 11.00% |
| Equity capital to average assets | 11.29% |
| Internal capital growth rate | 14.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9.0M |
| Common stock surplus | $88.4M |
| Retained earnings | $7.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.1M |
| 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 | 16.76% | 16.76% | 18.01% | 11.20% | $514.9M |
| Q4 2023 | 16.68% | 16.68% | 17.93% | 11.01% | $511.0M |
| Q1 2024 | 17.25% | 17.25% | 18.51% | 11.28% | $507.6M |
| Q2 2024 | 17.40% | 17.40% | 18.65% | 11.60% | $518.2M |
| Q3 2024 | 18.08% | 18.08% | 19.33% | 11.96% | $511.9M |
| Q4 2024 | 17.74% | 17.74% | 18.99% | 11.81% | $516.7M |
| Q1 2025 | 18.20% | 18.20% | 19.45% | 12.10% | $521.8M |
| Q2 2025 | 18.42% | 18.42% | 19.67% | 12.28% | $531.8M |
| Q3 2025 | 18.35% | 18.35% | 19.60% | 12.59% | $552.7M |
| Q4 2025 | 16.88% | 16.88% | 18.13% | 11.78% | $577.0M |
| Q1 2026 | 17.60% | 17.60% | 18.37% | 11.87% | $572.9M |
| Q2 2026 | 18.04% | 18.04% | 18.88% | 12.49% | $577.6M |
Bna Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bna 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 Bna Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19448) · FFIEC NIC profile (RSSD 916745)