Champion 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%.
Equity capital to average assets climbed 1.47 percentage points in Q2 2026, from 36.75% to 38.22%. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Champion Bank ranks 2nd highest among the 34 banks headquartered in Colorado, at 94.00% (Q2 2026). Champion Bank's CET1 ratio of 94.00% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 74.44 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 94.00% |
| Tier 1 risk-based capital ratio | 94.00% |
| Total risk-based capital ratio | 95.26% |
| Tier 1 leverage ratio | 39.33% |
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 | $16.5M |
| Tier 1 capital | $16.5M |
| Total risk-based capital | $16.7M |
| Total equity capital | $16.0M |
| Risk-weighted assets | $17.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 38.46% |
| Tangible equity to tangible assets | 38.46% |
| Equity capital to average assets | 38.22% |
| Internal capital growth rate | -7.98% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $14.3M |
| Retained earnings | $413K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$469K |
| 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 | 103.50% | 103.50% | 104.76% | 32.27% | $16.5M |
| Q4 2023 | 98.59% | 98.59% | 99.86% | 34.36% | $17.4M |
| Q1 2024 | 94.26% | 94.26% | 95.53% | 34.91% | $18.1M |
| Q2 2024 | 91.00% | 91.00% | 92.26% | 36.22% | $18.8M |
| Q3 2024 | 92.88% | 92.88% | 94.14% | 37.14% | $18.5M |
| Q4 2024 | 98.63% | 98.63% | 99.90% | 39.31% | $17.4M |
| Q1 2025 | 91.76% | 91.76% | 93.02% | 36.86% | $18.7M |
| Q2 2025 | 89.16% | 89.16% | 90.42% | 35.22% | $19.2M |
| Q3 2025 | 91.60% | 91.60% | 92.86% | 34.85% | $18.6M |
| Q4 2025 | 89.28% | 89.28% | 90.54% | 36.17% | $19.0M |
| Q1 2026 | 96.86% | 96.86% | 98.12% | 37.76% | $17.4M |
| Q2 2026 | 94.00% | 94.00% | 95.26% | 39.33% | $17.6M |
Champion Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Champion 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 Champion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57031) · FFIEC NIC profile (RSSD 2901558)