CBBC 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 Total equity capital, which rose 4.9% to $65.1M. Within Tennessee, CBBC Bank is 9th of 71 on CET1 ratio, 21.06% as of Q2 2026. CBBC Bank reported 21.06% on CET1 ratio for Q2 2026, 5.98 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.06% |
| Tier 1 risk-based capital ratio | 21.06% |
| Total risk-based capital ratio | 22.31% |
| Tier 1 leverage ratio | 14.22% |
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 | $82.9M |
| Tier 1 capital | $82.9M |
| Total risk-based capital | $87.8M |
| Total equity capital | $65.1M |
| Risk-weighted assets | $393.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.58% |
| Tangible equity to tangible assets | 11.58% |
| Equity capital to average assets | 11.17% |
| Internal capital growth rate | 11.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $900K |
| Common stock surplus | $900K |
| Retained earnings | $81.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.8M |
| 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 | 21.57% | 21.57% | 22.82% | 14.39% | $328.3M |
| Q4 2023 | 21.04% | 21.04% | 22.29% | 14.81% | $336.4M |
| Q1 2024 | 21.39% | 21.39% | 22.64% | 15.35% | $337.8M |
| Q2 2024 | 21.79% | 21.79% | 23.04% | 15.44% | $337.9M |
| Q3 2024 | 21.49% | 21.49% | 22.75% | 14.13% | $349.0M |
| Q4 2024 | 21.40% | 21.40% | 22.65% | 13.78% | $351.3M |
| Q1 2025 | 21.29% | 21.29% | 22.54% | 14.41% | $358.9M |
| Q2 2025 | 22.11% | 22.11% | 23.36% | 14.14% | $353.0M |
| Q3 2025 | 21.67% | 21.67% | 22.93% | 14.55% | $367.2M |
| Q4 2025 | 19.35% | 19.35% | 20.58% | 14.17% | $411.6M |
| Q1 2026 | 20.78% | 20.78% | 22.03% | 14.35% | $390.1M |
| Q2 2026 | 21.06% | 21.06% | 22.31% | 14.22% | $393.5M |
CBBC Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock CBBC 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 CBBC Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21227) · FFIEC NIC profile (RSSD 218131)