Capital Bank, N.A.: 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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.7% to $229.4M. Capital Bank, N.A. has the 1st lowest CET1 ratio of the 20 banks headquartered in Maryland, at 11.34% as of Q2 2026. Capital Bank, N.A. reported 11.34% on CET1 ratio for Q2 2026, 2.14 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.34% |
| Tier 1 risk-based capital ratio | 11.34% |
| Total risk-based capital ratio | 12.60% |
| Tier 1 leverage ratio | 8.97% |
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 | $331.3M |
| Tier 1 capital | $331.3M |
| Total risk-based capital | $368.1M |
| Total equity capital | $349.5M |
| Risk-weighted assets | $2.92B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.11% |
| Tangible equity to tangible assets | 8.51% |
| Equity capital to average assets | 9.40% |
| Internal capital growth rate | 9.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.4M |
| Common stock surplus | $123.0M |
| Retained earnings | $229.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.3M |
| 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 | 13.25% | 13.25% | 14.51% | 10.04% | $1.66B |
| Q4 2023 | 13.56% | 13.56% | 14.81% | 10.51% | $1.69B |
| Q1 2024 | 13.10% | 13.10% | 14.36% | 10.29% | $1.78B |
| Q2 2024 | 13.25% | 13.25% | 14.51% | 10.36% | $1.82B |
| Q3 2024 | 12.50% | 12.50% | 13.76% | 9.84% | $1.89B |
| Q4 2024 | 11.54% | 11.54% | 12.79% | 9.17% | $2.44B |
| Q1 2025 | 11.67% | 11.67% | 12.93% | 9.33% | $2.52B |
| Q2 2025 | 11.87% | 11.87% | 13.13% | 9.39% | $2.55B |
| Q3 2025 | 11.69% | 11.69% | 12.95% | 9.34% | $2.64B |
| Q4 2025 | 11.34% | 11.34% | 12.60% | 9.24% | $2.79B |
| Q1 2026 | 11.26% | 11.26% | 12.52% | 9.00% | $2.86B |
| Q2 2026 | 11.34% | 11.34% | 12.60% | 8.97% | $2.92B |
Capital Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Capital Bank, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35278) · FFIEC NIC profile (RSSD 2808602)