CalPrivate 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 5.5% to $212.0M. Within California, CalPrivate Bank is 52nd of 74 on CET1 ratio, 13.61% as of Q2 2026. At 13.61%, CalPrivate Bank's CET1 ratio is close to the 13.49% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.61% |
| Tier 1 risk-based capital ratio | 13.61% |
| Total risk-based capital ratio | 14.86% |
| Tier 1 leverage ratio | 11.52% |
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 | $304.2M |
| Tier 1 capital | $304.2M |
| Total risk-based capital | $332.2M |
| Total equity capital | $299.4M |
| Risk-weighted assets | $2.24B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.06% |
| Tangible equity to tangible assets | 11.04% |
| Equity capital to average assets | 11.33% |
| Internal capital growth rate | 15.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $67.9M |
| Common stock surplus | $25.7M |
| Retained earnings | $212.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.2M |
| 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 | 11.03% | 11.03% | 12.28% | 9.98% | $1.81B |
| Q4 2023 | 11.02% | 11.02% | 12.27% | 10.07% | $1.88B |
| Q1 2024 | 10.83% | 10.83% | 12.08% | 10.08% | $2.00B |
| Q2 2024 | 10.90% | 10.90% | 12.16% | 10.00% | $2.05B |
| Q3 2024 | 11.12% | 11.12% | 12.37% | 10.05% | $2.10B |
| Q4 2024 | 11.29% | 11.29% | 12.54% | 10.39% | $2.17B |
| Q1 2025 | 11.75% | 11.75% | 13.00% | 10.35% | $2.17B |
| Q2 2025 | 12.12% | 12.12% | 13.37% | 10.70% | $2.19B |
| Q3 2025 | 12.56% | 12.56% | 13.81% | 10.80% | $2.19B |
| Q4 2025 | 12.64% | 12.64% | 13.90% | 10.85% | $2.22B |
| Q1 2026 | 12.95% | 12.95% | 14.20% | 11.29% | $2.26B |
| Q2 2026 | 13.61% | 13.61% | 14.86% | 11.52% | $2.24B |
CalPrivate Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock CalPrivate 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 CalPrivate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58291) · FFIEC NIC profile (RSSD 3545258)