The Cincinnatus Savings and Loan Company: 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%.
Compared with Q2 2026, Tier 1 leverage ratio rose 0.57 percentage points in Q3 2026 to 15.83%, the biggest move on this page.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.83% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $29.9M |
| Tier 1 capital | $29.9M |
| Total risk-based capital | — |
| Total equity capital | $28.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 14.83% |
| Tangible equity to tangible assets | 14.75% |
| Equity capital to average assets | 14.85% |
| Internal capital growth rate | 6.52% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $0 |
| Retained earnings | $30.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.0M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q4 2023 | 19.00% | 18.39% | 18.28% |
| Q1 2024 | 18.91% | 18.16% | 18.06% |
| Q2 2024 | 18.97% | 18.59% | 18.49% |
| Q3 2024 | 17.03% | 15.54% | 15.42% |
| Q4 2024 | 15.99% | 15.51% | 15.40% |
| Q1 2025 | 15.97% | 15.19% | 15.07% |
| Q2 2025 | 15.85% | 15.03% | 14.91% |
| Q3 2025 | 15.74% | 15.37% | 15.27% |
| Q4 2025 | 15.46% | 15.25% | 15.16% |
| Q1 2026 | 15.21% | 14.73% | 14.63% |
| Q2 2026 | 15.26% | 14.84% | 14.75% |
| Q3 2026 | 15.83% | 14.83% | 14.75% |
The Cincinnatus Savings and Loan Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Cincinnatus Savings and Loan Company, 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 The Cincinnatus Savings and Loan Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28157) · FFIEC NIC profile (RSSD 815772)