Catalyst 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.
Total risk-based capital ratio fell 0.93 percentage points from Q1 2026 to Q2 2026, ending at 44.62% against 45.55%. It was the largest change among the key lines on this page. Among 45 Louisiana banks, Catalyst Bank sits 3rd from the top on CET1 ratio, 43.37% as of Q2 2026. Against a median of 15.08% for banks in the $100M-1B asset tier, Catalyst Bank reported 43.37% on CET1 ratio in Q2 2026, 28.29 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 43.37% |
| Tier 1 risk-based capital ratio | 43.37% |
| Total risk-based capital ratio | 44.62% |
| Tier 1 leverage ratio | 26.55% |
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 | $76.7M |
| Tier 1 capital | $76.7M |
| Total risk-based capital | $78.9M |
| Total equity capital | $74.6M |
| Risk-weighted assets | $176.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 26.00% |
| Tangible equity to tangible assets | 26.00% |
| Equity capital to average assets | 25.81% |
| Internal capital growth rate | 3.54% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $27.6M |
| Retained earnings | $49.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| 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 | 54.97% | 54.97% | 56.23% | 31.08% | $143.6M |
| Q4 2023 | 52.34% | 52.34% | 53.59% | 31.67% | $151.8M |
| Q1 2024 | 52.09% | 52.09% | 53.34% | 26.84% | $144.4M |
| Q2 2024 | 49.09% | 49.09% | 50.34% | 26.88% | $154.5M |
| Q3 2024 | 45.71% | 45.71% | 46.97% | 27.43% | $167.2M |
| Q4 2024 | 45.81% | 45.81% | 47.06% | 28.73% | $168.6M |
| Q1 2025 | 46.95% | 46.95% | 48.20% | 29.45% | $166.1M |
| Q2 2025 | 43.72% | 43.72% | 44.98% | 27.56% | $168.5M |
| Q3 2025 | 43.95% | 43.95% | 45.20% | 27.58% | $169.2M |
| Q4 2025 | 42.45% | 42.45% | 43.71% | 27.36% | $176.7M |
| Q1 2026 | 44.29% | 44.29% | 45.55% | 26.22% | $171.3M |
| Q2 2026 | 43.37% | 43.37% | 44.62% | 26.55% | $176.9M |
Catalyst Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Catalyst 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 Catalyst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29804) · FFIEC NIC profile (RSSD 420578)