Chambers 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.
Retained earnings rose 5.3% from Q1 2026 to Q2 2026, ending at $117.6M against $111.7M. It was the largest change among the key lines on this page. Within Arkansas, Chambers Bank is 12th of 37 on CET1 ratio, 15.47% as of Q2 2026. Chambers Bank reported 15.47% on CET1 ratio for Q2 2026, 1.98 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.47% |
| Tier 1 risk-based capital ratio | 15.47% |
| Total risk-based capital ratio | 16.57% |
| Tier 1 leverage ratio | 12.57% |
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 | $198.0M |
| Tier 1 capital | $198.0M |
| Total risk-based capital | $212.0M |
| Total equity capital | $203.7M |
| Risk-weighted assets | $1.28B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.83% |
| Tangible equity to tangible assets | 12.53% |
| Equity capital to average assets | 12.89% |
| Internal capital growth rate | 12.03% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $85.9M |
| Retained earnings | $117.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $202K |
| 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 | 14.18% | 14.18% | 15.43% | 12.18% | $1.10B |
| Q4 2023 | 14.19% | 14.19% | 15.44% | 12.20% | $1.12B |
| Q1 2024 | 14.26% | 14.26% | 15.51% | 12.24% | $1.12B |
| Q2 2024 | 14.73% | 14.73% | 15.98% | 12.47% | $1.12B |
| Q3 2024 | 14.81% | 14.81% | 16.06% | 12.74% | $1.15B |
| Q4 2024 | 14.94% | 14.94% | 16.02% | 12.46% | $1.17B |
| Q1 2025 | 15.15% | 15.15% | 16.25% | 12.77% | $1.17B |
| Q2 2025 | 15.21% | 15.21% | 16.31% | 13.14% | $1.20B |
| Q3 2025 | 15.23% | 15.23% | 16.32% | 13.33% | $1.23B |
| Q4 2025 | 15.39% | 15.39% | 16.39% | 13.17% | $1.26B |
| Q1 2026 | 15.49% | 15.49% | 16.64% | 12.47% | $1.24B |
| Q2 2026 | 15.47% | 15.47% | 16.57% | 12.57% | $1.28B |
Chambers Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Chambers 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 Chambers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5615) · FFIEC NIC profile (RSSD 517049)