Celtic Bank Corporation: 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%.
Compared with Q1 2026, Retained earnings rose 4.7% in Q2 2026 to $921.3M, the biggest move on this page.
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 | 18.04% |
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 | $923.7M |
| Tier 1 capital | $923.7M |
| Total risk-based capital | — |
| Total equity capital | $928.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.40% |
| Tangible equity to tangible assets | 17.31% |
| Equity capital to average assets | 18.11% |
| Internal capital growth rate | 19.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $6.8M |
| Retained earnings | $921.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 19.75% | 19.71% | 19.48% |
| Q4 2023 | 19.35% | 18.53% | 18.34% |
| Q1 2024 | 19.36% | 18.69% | 18.51% |
| Q2 2024 | 19.55% | 18.31% | 18.14% |
| Q3 2024 | 19.71% | 19.10% | 18.94% |
| Q4 2024 | 19.39% | 18.25% | 18.11% |
| Q1 2025 | 18.99% | 18.12% | 17.99% |
| Q2 2025 | 18.85% | 17.91% | 17.79% |
| Q3 2025 | 18.14% | 17.65% | 17.53% |
| Q4 2025 | 18.20% | 17.75% | 17.64% |
| Q1 2026 | 18.27% | 17.86% | 17.76% |
| Q2 2026 | 18.04% | 17.40% | 17.31% |
Celtic Bank Corporation regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Celtic Bank Corporation, 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 Celtic Bank Corporation profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57056) · FFIEC NIC profile (RSSD 2998576)