Century Bank of Florida: 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 Retained earnings: 13.0% higher than in Q1 2026, at -$933K. Within Florida, Century Bank of Florida is 19th of 56 on CET1 ratio, 15.55% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Century Bank of Florida sits 0.48 points higher, at 15.55% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.55% |
| Tier 1 risk-based capital ratio | 15.55% |
| Total risk-based capital ratio | 16.80% |
| Tier 1 leverage ratio | 10.56% |
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 | $10.5M |
| Tier 1 capital | $10.5M |
| Total risk-based capital | $11.3M |
| Total equity capital | $9.5M |
| Risk-weighted assets | $67.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.36% |
| Tangible equity to tangible assets | 9.36% |
| Equity capital to average assets | 9.52% |
| Internal capital growth rate | 6.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.3M |
| Common stock surplus | $7.1M |
| Retained earnings | -$933K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.0M |
| 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 | 13.69% | 13.69% | 14.94% | 8.79% | $66.4M |
| Q4 2023 | 14.30% | 14.30% | 15.55% | 9.09% | $65.4M |
| Q1 2024 | 14.36% | 14.36% | 15.62% | 9.02% | $64.7M |
| Q2 2024 | 14.60% | 14.60% | 15.85% | 9.26% | $65.0M |
| Q3 2024 | 15.05% | 15.05% | 16.31% | 9.18% | $64.4M |
| Q4 2024 | 14.99% | 14.99% | 16.24% | 9.47% | $66.1M |
| Q1 2025 | 14.96% | 14.96% | 16.21% | 9.60% | $65.5M |
| Q2 2025 | 15.62% | 15.62% | 16.88% | 9.87% | $63.7M |
| Q3 2025 | 15.42% | 15.42% | 16.67% | 10.03% | $65.9M |
| Q4 2025 | 15.07% | 15.07% | 16.32% | 10.17% | $69.0M |
| Q1 2026 | 15.31% | 15.31% | 16.56% | 10.15% | $67.7M |
| Q2 2026 | 15.55% | 15.55% | 16.80% | 10.56% | $67.5M |
Century Bank of Florida regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank of Florida, 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 Century Bank of Florida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35558) · FFIEC NIC profile (RSSD 2939001)