Central 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.39 percentage points in Q2 2026 to 10.90%, the biggest move on this page. Central Bank ranks 12th of 71 Tennessee banks on CET1 ratio, in the upper half at 19.79% (Q2 2026). Central Bank reported 19.79% on CET1 ratio for Q2 2026, 4.72 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.79% |
| Tier 1 risk-based capital ratio | 19.79% |
| Total risk-based capital ratio | 21.04% |
| Tier 1 leverage ratio | 11.95% |
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 | $19.5M |
| Tier 1 capital | $19.5M |
| Total risk-based capital | $20.7M |
| Total equity capital | $17.5M |
| Risk-weighted assets | $98.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.90% |
| Tangible equity to tangible assets | 10.90% |
| Equity capital to average assets | 10.70% |
| Internal capital growth rate | 4.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $232K |
| Common stock surplus | $2.6M |
| Retained earnings | $16.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.0M |
| 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 | 21.93% | 21.93% | 23.18% | 11.85% | $76.0M |
| Q4 2023 | 21.82% | 21.82% | 23.07% | 12.16% | $77.4M |
| Q1 2024 | 22.18% | 22.18% | 23.43% | 12.25% | $77.5M |
| Q2 2024 | 23.03% | 23.03% | 24.29% | 12.14% | $76.1M |
| Q3 2024 | 22.82% | 22.82% | 24.07% | 12.21% | $78.3M |
| Q4 2024 | 22.71% | 22.71% | 23.96% | 12.65% | $79.0M |
| Q1 2025 | 22.45% | 22.45% | 23.70% | 12.70% | $81.3M |
| Q2 2025 | 22.23% | 22.23% | 23.48% | 12.65% | $83.4M |
| Q3 2025 | 21.64% | 21.64% | 22.90% | 12.55% | $86.8M |
| Q4 2025 | 20.74% | 20.74% | 21.99% | 12.39% | $91.2M |
| Q1 2026 | 20.08% | 20.08% | 21.33% | 12.11% | $96.2M |
| Q2 2026 | 19.79% | 19.79% | 21.04% | 11.95% | $98.6M |
Central Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31545) · FFIEC NIC profile (RSSD 265676)