Brannen 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%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 5.4% to -$27.2M. Within Florida, Brannen Bank is 24th of 56 on CET1 ratio, 14.94% as of Q2 2026, above the middle of the field. Brannen Bank reported 14.94% on CET1 ratio for Q2 2026, 1.46 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 | 14.94% |
| Tier 1 risk-based capital ratio | 14.94% |
| Total risk-based capital ratio | 15.95% |
| Tier 1 leverage ratio | 6.07% |
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 | $64.1M |
| Tier 1 capital | $64.1M |
| Total risk-based capital | $68.5M |
| Total equity capital | $37.0M |
| Risk-weighted assets | $429.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 3.59% |
| Tangible equity to tangible assets | 3.59% |
| Equity capital to average assets | 3.50% |
| Internal capital growth rate | 12.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $24.1M |
| Retained earnings | $38.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$27.2M |
| 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 | 15.77% | 15.77% | 16.84% | 5.96% | $339.3M |
| Q4 2023 | 14.52% | 14.52% | 15.57% | 5.30% | $346.3M |
| Q1 2024 | 15.60% | 15.60% | 16.65% | 5.89% | $353.6M |
| Q2 2024 | 15.62% | 15.62% | 16.68% | 6.09% | $363.5M |
| Q3 2024 | 15.39% | 15.39% | 16.44% | 6.21% | $375.5M |
| Q4 2024 | 14.16% | 14.16% | 15.23% | 5.37% | $377.5M |
| Q1 2025 | 14.89% | 14.89% | 15.94% | 5.89% | $390.6M |
| Q2 2025 | 14.91% | 14.91% | 15.96% | 5.96% | $398.1M |
| Q3 2025 | 15.07% | 15.07% | 16.11% | 6.08% | $401.8M |
| Q4 2025 | 14.03% | 14.03% | 15.06% | 5.43% | $412.9M |
| Q1 2026 | 14.82% | 14.82% | 15.83% | 5.96% | $424.7M |
| Q2 2026 | 14.94% | 14.94% | 15.95% | 6.07% | $429.3M |
Brannen Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Brannen 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 Brannen Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5676) · FFIEC NIC profile (RSSD 760331)