Central Bank and Trust: 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 biggest quarter-over-quarter change on this page was a small one: Equity capital to average assets edged down 0.17 percentage points between Q1 2026 and Q2 2026, to 8.40%. Central Bank and Trust ranks 7th of 15 Wyoming banks on CET1 ratio, in the upper half at 17.17% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Central Bank and Trust sits 2.10 points higher, at 17.17% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.17% |
| Tier 1 risk-based capital ratio | 17.17% |
| Total risk-based capital ratio | 17.97% |
| Tier 1 leverage ratio | 8.56% |
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 | $17.5M |
| Tier 1 capital | $17.5M |
| Total risk-based capital | $18.4M |
| Total equity capital | $17.2M |
| Risk-weighted assets | $102.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.50% |
| Tangible equity to tangible assets | 8.50% |
| Equity capital to average assets | 8.40% |
| Internal capital growth rate | 0.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $6.3M |
| Retained earnings | $11.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$327K |
| 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 | 14.12% | 14.12% | 15.09% | 7.53% | $117.2M |
| Q4 2023 | 14.12% | 14.12% | 15.10% | 7.92% | $116.9M |
| Q1 2024 | 14.79% | 14.79% | 15.80% | 8.12% | $112.5M |
| Q2 2024 | 14.96% | 14.96% | 15.71% | 8.08% | $109.2M |
| Q3 2024 | 15.90% | 15.90% | 16.67% | 8.30% | $103.8M |
| Q4 2024 | 18.24% | 18.24% | 19.03% | 9.01% | $100.1M |
| Q1 2025 | 16.79% | 16.79% | 17.58% | 8.14% | $99.9M |
| Q2 2025 | 16.82% | 16.82% | 17.62% | 8.31% | $99.0M |
| Q3 2025 | 17.11% | 17.11% | 17.92% | 8.63% | $97.4M |
| Q4 2025 | 16.76% | 16.76% | 17.54% | 8.41% | $100.3M |
| Q1 2026 | 17.11% | 17.11% | 17.89% | 8.64% | $102.3M |
| Q2 2026 | 17.17% | 17.17% | 17.97% | 8.56% | $102.1M |
Central Bank and Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Bank and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 529) · FFIEC NIC profile (RSSD 903950)