California 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 Equity capital to total assets: 0.82 percentage points lower than in Q1 2026, at 13.44%. California Business Bank ranks 16th of 74 California banks on CET1 ratio, in the upper half at 19.75% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. California Business Bank sits 4.68 points higher, at 19.75% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.75% |
| Tier 1 risk-based capital ratio | 19.75% |
| Total risk-based capital ratio | 21.00% |
| Tier 1 leverage ratio | 14.46% |
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 | $17.9M |
| Tier 1 capital | $17.9M |
| Total risk-based capital | $19.0M |
| Total equity capital | $17.5M |
| Risk-weighted assets | $90.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.44% |
| Tangible equity to tangible assets | 13.44% |
| Equity capital to average assets | 14.19% |
| Internal capital growth rate | 5.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $51.5M |
| Common stock surplus | $1.9M |
| Retained earnings | -$35.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$335K |
| 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 | — | — | — | 15.86% | — |
| Q4 2023 | 20.01% | 20.01% | 21.27% | 15.07% | $80.2M |
| Q1 2024 | 19.56% | 19.56% | 20.82% | 16.11% | $82.1M |
| Q2 2024 | 20.34% | 20.34% | 21.60% | 16.27% | $79.8M |
| Q3 2024 | 19.71% | 19.71% | 20.97% | 15.97% | $83.3M |
| Q4 2024 | 18.24% | 18.24% | 19.50% | 16.46% | $90.7M |
| Q1 2025 | 18.82% | 18.82% | 20.07% | 15.93% | $89.0M |
| Q2 2025 | 18.07% | 18.07% | 19.33% | 15.29% | $93.1M |
| Q3 2025 | 17.59% | 17.59% | 18.85% | 13.78% | $96.3M |
| Q4 2025 | 18.00% | 18.00% | 19.26% | 14.01% | $96.8M |
| Q1 2026 | 19.21% | 19.21% | 20.47% | 14.79% | $91.8M |
| Q2 2026 | 19.75% | 19.75% | 21.00% | 14.46% | $90.5M |
California Business Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock California 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 California Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58037) · FFIEC NIC profile (RSSD 3390337)