The Callaway 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 higher than in Q1 2026, at 9.78%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.12% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $52.3M |
| Tier 1 capital | $52.3M |
| Total risk-based capital | — |
| Total equity capital | $50.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.78% |
| Tangible equity to tangible assets | 9.78% |
| Equity capital to average assets | 9.69% |
| Internal capital growth rate | 14.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $6.1M |
| Retained earnings | $44.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.2M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 9.08% | 7.80% | 7.80% |
| Q4 2023 | 9.20% | 8.27% | 8.27% |
| Q1 2024 | 9.26% | 8.28% | 8.28% |
| Q2 2024 | 9.45% | 8.45% | 8.45% |
| Q3 2024 | 9.48% | 8.69% | 8.69% |
| Q4 2024 | 9.07% | 8.30% | 8.30% |
| Q1 2025 | 9.34% | 8.75% | 8.75% |
| Q2 2025 | 9.65% | 8.99% | 8.99% |
| Q3 2025 | 9.69% | 9.19% | 9.19% |
| Q4 2025 | 9.79% | 9.50% | 9.50% |
| Q1 2026 | 9.81% | 8.97% | 8.97% |
| Q2 2026 | 10.12% | 9.78% | 9.78% |
The Callaway Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Callaway 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 Callaway Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12223) · FFIEC NIC profile (RSSD 719656)