Carson 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%.
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 largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 4.2% to $14.9M. Within Kansas, Carson Bank is 74th of 86 on CET1 ratio, 11.73% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Carson Bank sits 3.35 points lower, at 11.73% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.73% |
| Tier 1 risk-based capital ratio | 11.73% |
| Total risk-based capital ratio | 12.79% |
| Tier 1 leverage ratio | 8.28% |
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 | $17.7M |
| Tier 1 capital | $17.7M |
| Total risk-based capital | $19.3M |
| Total equity capital | $17.4M |
| Risk-weighted assets | $151.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.91% |
| Tangible equity to tangible assets | 7.79% |
| Equity capital to average assets | 8.12% |
| Internal capital growth rate | 14.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $2.7M |
| Retained earnings | $14.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$615K |
| 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 | 10.64% | 10.64% | 11.88% | 7.59% | $130.7M |
| Q4 2023 | 10.34% | 10.34% | 11.56% | 7.28% | $131.7M |
| Q1 2024 | 11.04% | 11.04% | 12.29% | 7.54% | $127.4M |
| Q2 2024 | 10.59% | 10.59% | 11.78% | 7.68% | $135.3M |
| Q3 2024 | 11.20% | 11.20% | 12.44% | 7.79% | $130.1M |
| Q4 2024 | 11.27% | 11.27% | 12.48% | 7.77% | $132.7M |
| Q1 2025 | 11.28% | 11.28% | 12.47% | 7.68% | $135.7M |
| Q2 2025 | 11.18% | 11.18% | 12.32% | 7.83% | $141.5M |
| Q3 2025 | 11.23% | 11.23% | 12.35% | 7.85% | $143.9M |
| Q4 2025 | 11.52% | 11.52% | 12.63% | 8.05% | $144.4M |
| Q1 2026 | 11.41% | 11.41% | 12.48% | 8.09% | $150.1M |
| Q2 2026 | 11.73% | 11.73% | 12.79% | 8.28% | $151.1M |
Carson Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Carson 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 Carson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17369) · FFIEC NIC profile (RSSD 171656)