The Business 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 standout move of Q2 2026 was in Risk-weighted assets: 18.7% higher than in Q1 2026, at $272.0M. The Business Bank has the 3rd lowest CET1 ratio of the 10 banks headquartered in Vermont, at 14.74% as of Q2 2026. At 14.74%, The Business Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.74% |
| Tier 1 risk-based capital ratio | 14.74% |
| Total risk-based capital ratio | 15.70% |
| Tier 1 leverage ratio | 12.40% |
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 | $40.1M |
| Tier 1 capital | $40.1M |
| Total risk-based capital | $42.7M |
| Total equity capital | $39.2M |
| Risk-weighted assets | $272.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.14% |
| Tangible equity to tangible assets | 11.14% |
| Equity capital to average assets | 12.14% |
| Internal capital growth rate | -4.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.8M |
| Common stock surplus | $45.8M |
| Retained earnings | -$7.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$857K |
| 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 | — | — | — | 20.46% | — |
| Q4 2023 | — | — | — | 18.46% | — |
| Q1 2024 | — | — | — | 16.41% | — |
| Q2 2024 | — | — | — | 13.45% | — |
| Q3 2024 | — | — | — | 10.91% | — |
| Q4 2024 | 16.78% | 16.78% | 17.58% | 9.77% | $150.1M |
| Q1 2025 | 16.99% | 16.99% | 17.83% | 9.26% | $147.7M |
| Q2 2025 | 16.04% | 16.04% | 16.88% | 9.99% | $164.6M |
| Q3 2025 | 14.87% | 14.87% | 15.77% | 9.32% | $177.2M |
| Q4 2025 | 18.73% | 18.73% | 19.88% | 11.36% | $182.6M |
| Q1 2026 | 15.57% | 15.57% | 16.53% | 12.45% | $229.2M |
| Q2 2026 | 14.74% | 14.74% | 15.70% | 12.40% | $272.0M |
The Business Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Business 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 The Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59298) · FFIEC NIC profile (RSSD 5760662)