C3bank, N.A.: 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, Equity capital to total assets fell 0.50 percentage points in Q2 2026 to 9.87%, the biggest move on this page. C3bank, N.A. ranks 27th of 74 California banks on CET1 ratio, in the upper half at 16.57% (Q2 2026). C3bank, N.A. reported 16.57% on CET1 ratio for Q2 2026, 1.50 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.57% |
| Tier 1 risk-based capital ratio | 16.57% |
| Total risk-based capital ratio | 17.83% |
| Tier 1 leverage ratio | 10.59% |
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 | $93.8M |
| Tier 1 capital | $93.8M |
| Total risk-based capital | $100.8M |
| Total equity capital | $93.7M |
| Risk-weighted assets | $565.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.87% |
| Tangible equity to tangible assets | 9.87% |
| Equity capital to average assets | 10.58% |
| Internal capital growth rate | 9.77% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.6M |
| Common stock surplus | $34.6M |
| Retained earnings | $55.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$58K |
| 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 | 13.17% | 13.17% | 14.42% | 9.09% | $584.9M |
| Q4 2023 | 13.71% | 13.71% | 14.96% | 9.23% | $574.9M |
| Q1 2024 | 13.98% | 13.98% | 15.24% | 9.16% | $578.7M |
| Q2 2024 | 13.56% | 13.56% | 14.82% | 9.46% | $599.4M |
| Q3 2024 | 14.88% | 14.88% | 16.14% | 10.35% | $561.1M |
| Q4 2024 | 15.92% | 15.92% | 17.17% | 9.78% | $538.9M |
| Q1 2025 | 16.74% | 16.74% | 17.99% | 8.98% | $526.5M |
| Q2 2025 | 15.64% | 15.64% | 16.89% | 9.53% | $552.2M |
| Q3 2025 | 16.11% | 16.11% | 17.36% | 9.55% | $553.4M |
| Q4 2025 | 15.79% | 15.79% | 17.04% | 9.97% | $581.9M |
| Q1 2026 | 15.80% | 15.80% | 17.05% | 10.26% | $579.2M |
| Q2 2026 | 16.57% | 16.57% | 17.83% | 10.59% | $565.7M |
C3bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock C3bank, N.A., 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 C3bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25249) · FFIEC NIC profile (RSSD 754068)