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, Retained earnings rose 4.5% in Q2 2026 to $54.9M, the biggest move on this page. On CET1 ratio, Central Bank is 2nd from the bottom among 37 Arkansas banks, 10.32% (Q2 2026). Central Bank reported 10.32% on CET1 ratio for Q2 2026, 4.77 points below 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 | 10.32% |
| Tier 1 risk-based capital ratio | 10.32% |
| Total risk-based capital ratio | 11.57% |
| Tier 1 leverage ratio | 9.37% |
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 | $88.6M |
| Tier 1 capital | $88.6M |
| Total risk-based capital | $99.4M |
| Total equity capital | $87.7M |
| Risk-weighted assets | $859.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.18% |
| Tangible equity to tangible assets | 9.16% |
| Equity capital to average assets | 9.26% |
| Internal capital growth rate | 11.10% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2K |
| Common stock surplus | $34.2M |
| Retained earnings | $54.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 | 9.59% | 9.59% | 10.84% | 9.58% | $465.7M |
| Q4 2023 | 9.17% | 9.17% | 10.43% | 9.36% | $508.5M |
| Q1 2024 | 9.19% | 9.19% | 10.45% | 8.27% | $532.0M |
| Q2 2024 | 9.18% | 9.18% | 10.43% | 8.41% | $560.0M |
| Q3 2024 | 9.10% | 9.10% | 10.35% | 8.39% | $597.6M |
| Q4 2024 | 11.13% | 11.13% | 12.39% | 10.57% | $652.7M |
| Q1 2025 | 11.08% | 11.08% | 12.33% | 10.46% | $687.0M |
| Q2 2025 | 10.90% | 10.90% | 12.16% | 10.28% | $728.7M |
| Q3 2025 | 10.96% | 10.96% | 12.21% | 10.07% | $754.7M |
| Q4 2025 | 10.28% | 10.28% | 11.53% | 9.75% | $815.7M |
| Q1 2026 | 10.23% | 10.23% | 11.49% | 9.44% | $843.1M |
| Q2 2026 | 10.32% | 10.32% | 11.57% | 9.37% | $859.4M |
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 1756) · FFIEC NIC profile (RSSD 3488579)