Carrollton 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 Retained earnings, which rose 4.2% to $221.2M. Carrollton Bank has the 5th lowest CET1 ratio of the 198 banks headquartered in Illinois, at 9.93% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Carrollton Bank sits 3.55 points lower, at 9.93% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.93% |
| Tier 1 risk-based capital ratio | 9.93% |
| Total risk-based capital ratio | 11.18% |
| Tier 1 leverage ratio | 8.01% |
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 | $307.9M |
| Tier 1 capital | $307.9M |
| Total risk-based capital | $346.7M |
| Total equity capital | $301.2M |
| Risk-weighted assets | $3.10B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.76% |
| Tangible equity to tangible assets | 7.75% |
| Equity capital to average assets | 7.83% |
| Internal capital growth rate | 12.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $717K |
| Common stock surplus | $86.4M |
| Retained earnings | $221.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.1M |
| 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 | 9.50% | 9.50% | 10.73% | 7.94% | $2.76B |
| Q4 2023 | 9.28% | 9.28% | 10.51% | 7.89% | $2.85B |
| Q1 2024 | 9.27% | 9.27% | 10.48% | 8.09% | $2.94B |
| Q2 2024 | 9.39% | 9.39% | 10.61% | 8.11% | $2.93B |
| Q3 2024 | 9.38% | 9.38% | 10.61% | 8.12% | $2.94B |
| Q4 2024 | 9.48% | 9.48% | 10.71% | 8.00% | $2.94B |
| Q1 2025 | 9.88% | 9.88% | 11.13% | 8.20% | $2.93B |
| Q2 2025 | 10.05% | 10.05% | 11.22% | 8.10% | $2.94B |
| Q3 2025 | 10.11% | 10.11% | 11.33% | 7.87% | $2.93B |
| Q4 2025 | 9.81% | 9.81% | 11.04% | 7.82% | $3.04B |
| Q1 2026 | 9.75% | 9.75% | 10.99% | 7.86% | $3.07B |
| Q2 2026 | 9.93% | 9.93% | 11.18% | 8.01% | $3.10B |
Carrollton Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Carrollton 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 Carrollton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12383) · FFIEC NIC profile (RSSD 1001648)