Carroll Bank and Trust: 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%.
Compared with Q1 2026, Risk-weighted assets rose 4.8% in Q2 2026 to $456.9M, the biggest move on this page. Within Tennessee, Carroll Bank and Trust is 54th of 71 on CET1 ratio, 11.88% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Carroll Bank and Trust sits 3.19 points lower, at 11.88% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.88% |
| Tier 1 risk-based capital ratio | 11.88% |
| Total risk-based capital ratio | 12.78% |
| Tier 1 leverage ratio | 8.25% |
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 | $54.3M |
| Tier 1 capital | $54.3M |
| Total risk-based capital | $58.4M |
| Total equity capital | $50.2M |
| Risk-weighted assets | $456.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.59% |
| Tangible equity to tangible assets | 7.48% |
| Equity capital to average assets | 7.62% |
| Internal capital growth rate | 10.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.4M |
| Common stock surplus | $11.0M |
| Retained earnings | $41.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.8M |
| 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 | — | — | — | 9.06% | — |
| Q4 2023 | 12.40% | 12.40% | 13.29% | 8.72% | $352.6M |
| Q1 2024 | 12.34% | 12.34% | 13.22% | 8.80% | $358.3M |
| Q2 2024 | 12.26% | 12.26% | 13.13% | 8.81% | $366.2M |
| Q3 2024 | 12.09% | 12.09% | 12.95% | 8.78% | $375.7M |
| Q4 2024 | 12.06% | 12.06% | 12.93% | 8.64% | $383.2M |
| Q1 2025 | 12.09% | 12.09% | 12.98% | 8.38% | $388.8M |
| Q2 2025 | 11.87% | 11.87% | 12.74% | 8.09% | $406.1M |
| Q3 2025 | 11.87% | 11.87% | 12.76% | 8.07% | $415.9M |
| Q4 2025 | 11.76% | 11.76% | 12.65% | 8.29% | $442.1M |
| Q1 2026 | 12.15% | 12.15% | 13.08% | 8.18% | $436.0M |
| Q2 2026 | 11.88% | 11.88% | 12.78% | 8.25% | $456.9M |
Carroll Bank and Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Carroll Bank and Trust, 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 Carroll Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2380) · FFIEC NIC profile (RSSD 541857)