Cetera Trust Company, N.A.: 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 equity Tier 1 ratio: 7.32 percentage points higher than in Q1 2026, at 122.48%. Against a median of 19.57% for banks in the < $100M asset tier, Cetera Trust Company, N.A. reported 122.48% on CET1 ratio in Q2 2026, 102.92 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 122.48% |
| Tier 1 risk-based capital ratio | 122.48% |
| Total risk-based capital ratio | 122.48% |
| Tier 1 leverage ratio | 93.05% |
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 | $14.2M |
| Tier 1 capital | $14.2M |
| Total risk-based capital | $14.2M |
| Total equity capital | $16.7M |
| Risk-weighted assets | $11.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 93.90% |
| Tangible equity to tangible assets | 93.00% |
| Equity capital to average assets | 96.05% |
| Internal capital growth rate | 3.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $13.2M |
| Retained earnings | $1.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $371K |
| 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 | 104.10% | 104.10% | 104.10% | 88.93% | $12.2M |
| Q4 2023 | 102.15% | 102.15% | 102.15% | 89.24% | $12.5M |
| Q1 2024 | 101.56% | 101.56% | 101.56% | 84.89% | $12.7M |
| Q2 2024 | 104.98% | 104.98% | 104.98% | 87.57% | $12.5M |
| Q3 2024 | 105.10% | 105.10% | 105.10% | 91.11% | $12.6M |
| Q4 2024 | 105.28% | 105.28% | 105.28% | 89.95% | $12.7M |
| Q1 2025 | 107.12% | 107.12% | 107.12% | 91.84% | $12.7M |
| Q2 2025 | 110.02% | 110.02% | 110.02% | 91.62% | $12.4M |
| Q3 2025 | 109.45% | 109.45% | 109.45% | 91.31% | $12.5M |
| Q4 2025 | 115.46% | 115.46% | 115.46% | 91.55% | $12.0M |
| Q1 2026 | 115.16% | 115.16% | 115.16% | 90.66% | $12.1M |
| Q2 2026 | 122.48% | 122.48% | 122.48% | 93.05% | $11.6M |
Cetera Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cetera Trust Company, N.A., 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 Cetera Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 3089752)