Capital Bank and Trust Company: 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 standout move of Q2 2026 was in Common equity Tier 1 ratio: 24.66 percentage points higher than in Q1 2026, at 202.30%. Among 74 California banks, Capital Bank and Trust Company sits 2nd from the top on CET1 ratio, 202.30% as of Q2 2026. Against a median of 15.08% for banks in the $100M-1B asset tier, Capital Bank and Trust Company reported 202.30% on CET1 ratio in Q2 2026, 187.22 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 202.30% |
| Tier 1 risk-based capital ratio | 202.30% |
| Total risk-based capital ratio | 202.30% |
| Tier 1 leverage ratio | 79.26% |
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 | $209.1M |
| Tier 1 capital | $209.1M |
| Total risk-based capital | $209.1M |
| Total equity capital | $208.5M |
| Risk-weighted assets | $103.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 78.35% |
| Tangible equity to tangible assets | 78.35% |
| Equity capital to average assets | 79.00% |
| Internal capital growth rate | 125.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $10.3M |
| Retained earnings | $193.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$686K |
| 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 | 210.85% | 210.85% | 210.85% | 80.75% | $55.6M |
| Q4 2023 | 156.57% | 156.57% | 156.57% | 58.35% | $58.8M |
| Q1 2024 | 168.84% | 168.84% | 168.84% | 66.26% | $65.9M |
| Q2 2024 | 190.32% | 190.32% | 190.32% | 73.49% | $68.8M |
| Q3 2024 | 196.92% | 196.92% | 196.92% | 80.96% | $78.2M |
| Q4 2024 | 119.40% | 119.40% | 119.40% | 39.79% | $69.8M |
| Q1 2025 | 144.77% | 144.77% | 144.77% | 66.19% | $76.6M |
| Q2 2025 | 179.49% | 179.49% | 179.49% | 72.81% | $77.8M |
| Q3 2025 | 203.95% | 203.95% | 203.95% | 78.15% | $84.7M |
| Q4 2025 | 142.12% | 142.12% | 142.12% | 49.50% | $82.1M |
| Q1 2026 | 177.63% | 177.63% | 177.63% | 69.79% | $89.6M |
| Q2 2026 | 202.30% | 202.30% | 202.30% | 79.26% | $103.4M |
Capital Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Capital Bank and Trust Company, 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 Capital Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35164) · FFIEC NIC profile (RSSD 2921659)