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%.
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.
Common equity Tier 1 capital rose 3.4% from Q1 2026 to Q2 2026, ending at $331.3M against $320.5M. It was the largest change among the key lines 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 | 15.42% |
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 | $331.3M |
| Tier 1 capital | $331.3M |
| Total risk-based capital | — |
| Total equity capital | $320.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.78% |
| Tangible equity to tangible assets | 14.56% |
| Equity capital to average assets | 14.85% |
| Internal capital growth rate | 13.58% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $528K |
| Common stock surplus | $1.6M |
| Retained earnings | $335.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.1M |
| 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 | 13.26% | 11.09% | 10.76% |
| Q4 2023 | 13.10% | 11.89% | 11.55% |
| Q1 2024 | 13.42% | 12.26% | 11.91% |
| Q2 2024 | 13.63% | 12.55% | 12.20% |
| Q3 2024 | 13.81% | 13.33% | 13.00% |
| Q4 2024 | 14.02% | 13.29% | 12.94% |
| Q1 2025 | 14.36% | 13.68% | 13.38% |
| Q2 2025 | 14.64% | 13.93% | 13.65% |
| Q3 2025 | 14.76% | 14.49% | 14.21% |
| Q4 2025 | 15.03% | 15.05% | 14.79% |
| Q1 2026 | 15.18% | 14.49% | 14.25% |
| Q2 2026 | 15.42% | 14.78% | 14.56% |
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 9204) · FFIEC NIC profile (RSSD 622774)