Canandaigua National Trust Company of Florida: 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 Common equity Tier 1 ratio: 4.52 percentage points higher than in Q1 2026, at 223.72%. Canandaigua National Trust Company of Florida's CET1 ratio of 223.72% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 204.16 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 223.72% |
| Tier 1 risk-based capital ratio | 223.72% |
| Total risk-based capital ratio | 223.72% |
| Tier 1 leverage ratio | 81.89% |
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 | $5.0M |
| Tier 1 capital | $5.0M |
| Total risk-based capital | $5.0M |
| Total equity capital | $5.0M |
| Risk-weighted assets | $2.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 77.45% |
| Tangible equity to tangible assets | 77.45% |
| Equity capital to average assets | 81.87% |
| Internal capital growth rate | 17.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $2.2M |
| Retained earnings | $786K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1K |
| 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 | 339.95% | 339.95% | 339.95% | 90.87% | $1.2M |
| Q4 2023 | 329.51% | 329.51% | 329.51% | 92.11% | $1.3M |
| Q1 2024 | 463.37% | 463.37% | 463.37% | 95.39% | $961K |
| Q2 2024 | 481.57% | 481.57% | 481.57% | 102.39% | $971K |
| Q3 2024 | 461.10% | 461.10% | 461.10% | 100.40% | $1.0M |
| Q4 2024 | 206.82% | 206.82% | 206.82% | 89.97% | $2.4M |
| Q1 2025 | 215.02% | 215.02% | 215.02% | 79.94% | $2.4M |
| Q2 2025 | 191.15% | 191.15% | 191.15% | 73.74% | $2.2M |
| Q3 2025 | 195.27% | 195.27% | 195.27% | 78.72% | $2.3M |
| Q4 2025 | 207.27% | 207.27% | 207.27% | 79.89% | $2.2M |
| Q1 2026 | 219.20% | 219.20% | 219.20% | 80.82% | $2.2M |
| Q2 2026 | 223.72% | 223.72% | 223.72% | 81.89% | $2.3M |
Canandaigua National Trust Company of Florida regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Canandaigua National Trust Company of Florida, 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 Canandaigua National Trust Company of Florida profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 3952904)