Capitol National 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which rose 0.57 percentage points to 16.68%.
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 | 16.74% |
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 | $33.6M |
| Tier 1 capital | $33.6M |
| Total risk-based capital | — |
| Total equity capital | $33.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.98% |
| Tangible equity to tangible assets | 15.98% |
| Equity capital to average assets | 16.68% |
| Internal capital growth rate | 8.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.7M |
| Common stock surplus | $7.3M |
| Retained earnings | $24.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$114K |
| 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 | 12.55% | 12.70% | 12.70% |
| Q4 2023 | 13.19% | 13.41% | 13.41% |
| Q1 2024 | 14.08% | 14.17% | 14.17% |
| Q2 2024 | 13.84% | 13.80% | 13.80% |
| Q3 2024 | 12.84% | 12.37% | 12.37% |
| Q4 2024 | 13.43% | 14.53% | 14.53% |
| Q1 2025 | 15.33% | 15.62% | 15.62% |
| Q2 2025 | 15.79% | 15.92% | 15.92% |
| Q3 2025 | 15.31% | 15.31% | 15.31% |
| Q4 2025 | 15.72% | 14.97% | 14.97% |
| Q1 2026 | 16.17% | 16.38% | 16.38% |
| Q2 2026 | 16.74% | 15.98% | 15.98% |
Capitol National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Capitol National 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 Capitol National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24199) · FFIEC NIC profile (RSSD 285544)