Cattaraugus County 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%.
Accumulated other comprehensive income climbed 12.5% in Q2 2026, from -$4.2M to -$3.6M. It was the largest change from Q1 2026 among the key lines here. Within New York, Cattaraugus County Bank is 42nd of 82 on CET1 ratio, 15.47% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Cattaraugus County Bank reported 15.47% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.47% |
| Tier 1 risk-based capital ratio | 15.47% |
| Total risk-based capital ratio | 16.43% |
| Tier 1 leverage ratio | 11.26% |
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 | $42.4M |
| Tier 1 capital | $42.4M |
| Total risk-based capital | $45.0M |
| Total equity capital | $38.8M |
| Risk-weighted assets | $274.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.07% |
| Tangible equity to tangible assets | 10.07% |
| Equity capital to average assets | 10.29% |
| Internal capital growth rate | 3.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $9.7M |
| Retained earnings | $32.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.6M |
| 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 | 13.80% | 13.80% | 14.77% | 10.78% | $277.3M |
| Q4 2023 | 13.57% | 13.57% | 14.82% | 10.45% | $282.3M |
| Q1 2024 | 14.15% | 14.15% | 15.40% | 10.38% | $273.9M |
| Q2 2024 | 13.68% | 13.68% | 14.93% | 10.61% | $285.8M |
| Q3 2024 | 13.75% | 13.75% | 15.00% | 10.92% | $289.1M |
| Q4 2024 | 14.75% | 14.75% | 15.66% | 11.02% | $268.3M |
| Q1 2025 | 15.03% | 15.03% | 16.06% | 11.24% | $266.4M |
| Q2 2025 | 14.45% | 14.45% | 15.17% | 11.30% | $279.3M |
| Q3 2025 | 14.41% | 14.41% | 15.44% | 10.99% | $280.4M |
| Q4 2025 | 14.90% | 14.90% | 15.94% | 11.15% | $278.0M |
| Q1 2026 | 15.23% | 15.23% | 16.04% | 11.07% | $276.0M |
| Q2 2026 | 15.47% | 15.47% | 16.43% | 11.26% | $274.0M |
Cattaraugus County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cattaraugus County 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 Cattaraugus County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12959) · FFIEC NIC profile (RSSD 254504)