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%.
The standout move of Q2 2026 was in Common stock surplus: 20.1% higher than in Q1 2026, at $11.9M.
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 | 9.11% |
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 | $35.7M |
| Tier 1 capital | $35.7M |
| Total risk-based capital | — |
| Total equity capital | $35.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.14% |
| Tangible equity to tangible assets | 9.10% |
| Equity capital to average assets | 9.03% |
| Internal capital growth rate | 11.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $7.0M |
| Common stock surplus | $11.9M |
| Retained earnings | $16.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$465K |
| 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 | — | — | — | 9.47% | — |
| Q4 2023 | — | — | — | 9.54% | — |
| Q1 2024 | — | — | — | 9.20% | — |
| Q2 2024 | — | — | — | 9.38% | — |
| Q3 2024 | — | — | — | 9.12% | — |
| Q4 2024 | — | — | — | 8.79% | — |
| Q1 2025 | — | — | — | 8.58% | — |
| Q2 2025 | 10.35% | 10.35% | 11.15% | 8.61% | $294.5M |
| Q3 2025 | 11.02% | 11.02% | 11.87% | 8.58% | $281.9M |
| Q4 2025 | 10.85% | 10.85% | 11.69% | 8.67% | $294.9M |
| Q1 2026 | 10.32% | 10.32% | 11.12% | 8.66% | $317.1M |
| Q2 2026 | — | — | — | 9.11% | — |
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 58377) · FFIEC NIC profile (RSSD 3468450)