Chilton 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%.
Common equity tier 1 ratio climbed 8.13 percentage points in Q2 2026, from 202.23% to 210.37%. It was the largest change from Q1 2026 among the key lines here. Against a median of 19.57% for banks in the < $100M asset tier, Chilton Trust Company, N.A. reported 210.37% on CET1 ratio in Q2 2026, 190.80 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 210.37% |
| Tier 1 risk-based capital ratio | 210.37% |
| Total risk-based capital ratio | 210.37% |
| Tier 1 leverage ratio | 73.71% |
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 | $16.2M |
| Tier 1 capital | $16.2M |
| Total risk-based capital | $16.2M |
| Total equity capital | $16.1M |
| Risk-weighted assets | $7.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 72.15% |
| Tangible equity to tangible assets | 72.15% |
| Equity capital to average assets | 73.69% |
| Internal capital growth rate | 7.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $4.2M |
| Retained earnings | $9.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4K |
| 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 | 212.49% | 212.49% | 212.49% | 74.99% | $9.4M |
| Q4 2023 | 222.82% | 222.82% | 222.82% | 71.37% | $8.7M |
| Q1 2024 | 230.09% | 230.09% | 230.09% | 78.44% | $9.0M |
| Q2 2024 | 224.64% | 224.64% | 224.64% | 76.45% | $9.0M |
| Q3 2024 | 225.47% | 225.47% | 225.47% | 74.45% | $8.9M |
| Q4 2024 | 182.11% | 182.11% | 182.11% | 60.92% | $9.0M |
| Q1 2025 | 168.82% | 168.82% | 168.82% | 65.98% | $9.0M |
| Q2 2025 | 181.41% | 181.41% | 181.41% | 70.69% | $8.5M |
| Q3 2025 | 180.54% | 180.54% | 180.54% | 71.03% | $8.6M |
| Q4 2025 | 191.71% | 191.71% | 191.71% | 69.30% | $8.2M |
| Q1 2026 | 202.23% | 202.23% | 202.23% | 70.62% | $7.8M |
| Q2 2026 | 210.37% | 210.37% | 210.37% | 73.71% | $7.7M |
Chilton Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Chilton 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 Chilton Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 4397164)