Carver State 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%.
Retained earnings climbed 10.1% in Q2 2026, from $3.8M to $4.2M. It was the largest change from Q1 2026 among the key lines here.
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 | 14.99% |
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 | $17.0M |
| Tier 1 capital | $17.0M |
| Total risk-based capital | — |
| Total equity capital | $16.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.19% |
| Tangible equity to tangible assets | 15.19% |
| Equity capital to average assets | 14.87% |
| Internal capital growth rate | 9.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $428K |
| Common stock surplus | $12.4M |
| Retained earnings | $4.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$137K |
| 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 | 17.85% | 16.98% | 16.98% |
| Q4 2023 | 18.23% | 17.99% | 17.99% |
| Q1 2024 | 18.38% | 18.09% | 18.09% |
| Q2 2024 | 18.41% | 17.49% | 17.49% |
| Q3 2024 | 18.05% | 17.89% | 17.89% |
| Q4 2024 | 16.33% | 15.11% | 15.11% |
| Q1 2025 | 15.74% | 15.50% | 15.50% |
| Q2 2025 | 15.70% | 15.57% | 15.57% |
| Q3 2025 | 16.01% | 15.80% | 15.80% |
| Q4 2025 | 14.07% | 14.25% | 14.25% |
| Q1 2026 | 14.31% | 14.54% | 14.54% |
| Q2 2026 | 14.99% | 15.19% | 15.19% |
Carver State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Carver State 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 Carver State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16584) · FFIEC NIC profile (RSSD 370833)