Carter Bank & 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 23.3% higher than in Q1 2026, at -$32.9M. Within Virginia, Carter Bank & Trust is 21st of 44 on CET1 ratio, 14.34% as of Q2 2026, above the middle of the field. Carter Bank & Trust reported 14.34% on CET1 ratio for Q2 2026, 0.87 points above 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 | 14.34% |
| Tier 1 risk-based capital ratio | 14.34% |
| Total risk-based capital ratio | 15.60% |
| Tier 1 leverage ratio | 11.73% |
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 | $572.8M |
| Tier 1 capital | $572.8M |
| Total risk-based capital | $622.8M |
| Total equity capital | $541.9M |
| Risk-weighted assets | $3.99B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.30% |
| Tangible equity to tangible assets | 11.26% |
| Equity capital to average assets | 11.09% |
| Internal capital growth rate | -4.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $169.6M |
| Retained earnings | $405.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$32.9M |
| 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 | 11.08% | 11.08% | 12.34% | 9.59% | $3.90B |
| Q4 2023 | 10.99% | 10.99% | 12.25% | 9.41% | $3.93B |
| Q1 2024 | 10.80% | 10.80% | 12.07% | 9.27% | $3.94B |
| Q2 2024 | 10.86% | 10.86% | 12.13% | 9.35% | $3.96B |
| Q3 2024 | 10.75% | 10.75% | 12.01% | 9.45% | $4.06B |
| Q4 2024 | 10.72% | 10.72% | 11.98% | 9.42% | $4.12B |
| Q1 2025 | 10.85% | 10.85% | 12.11% | 9.53% | $4.15B |
| Q2 2025 | 10.62% | 10.62% | 11.87% | 9.25% | $4.19B |
| Q3 2025 | 10.46% | 10.46% | 11.72% | 9.24% | $4.28B |
| Q4 2025 | 10.23% | 10.23% | 11.49% | 9.01% | $4.28B |
| Q1 2026 | 13.02% | 13.02% | 14.28% | 10.68% | $4.02B |
| Q2 2026 | 14.34% | 14.34% | 15.60% | 11.73% | $3.99B |
Carter Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Carter Bank & 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 Carter Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58596) · FFIEC NIC profile (RSSD 3476192)