City Bank & Trust Co.: 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%.
Risk-weighted assets rose 3.0% from Q1 2026 to Q2 2026, ending at $242.5M against $235.6M. It was the largest change among the key lines on this page. Within Louisiana, City Bank & Trust Co. is 21st of 46 on CET1 ratio, 17.75% as of Q2 2026, above the middle of the field. City Bank & Trust Co. reported 17.75% on CET1 ratio for Q2 2026, 2.68 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.75% |
| Tier 1 risk-based capital ratio | 17.75% |
| Total risk-based capital ratio | 18.78% |
| Tier 1 leverage ratio | 11.35% |
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 | $43.1M |
| Tier 1 capital | $43.1M |
| Total risk-based capital | $45.5M |
| Total equity capital | $41.7M |
| Risk-weighted assets | $242.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.92% |
| Tangible equity to tangible assets | 10.92% |
| Equity capital to average assets | 11.00% |
| Internal capital growth rate | 4.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $551K |
| Common stock surplus | $13.1M |
| Retained earnings | $29.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 17.15% | 17.15% | 18.06% | 10.41% | $219.3M |
| Q4 2023 | 16.84% | 16.84% | 17.75% | 10.65% | $222.3M |
| Q1 2024 | 17.52% | 17.52% | 18.43% | 11.31% | $221.5M |
| Q2 2024 | 17.41% | 17.41% | 18.34% | 11.49% | $222.6M |
| Q3 2024 | 17.68% | 17.68% | 18.64% | 12.08% | $223.6M |
| Q4 2024 | 17.37% | 17.37% | 18.32% | 12.22% | $226.9M |
| Q1 2025 | 18.57% | 18.57% | 19.57% | 12.10% | $220.4M |
| Q2 2025 | 17.94% | 17.94% | 18.91% | 12.19% | $231.7M |
| Q3 2025 | 17.52% | 17.52% | 18.53% | 12.14% | $244.7M |
| Q4 2025 | 17.44% | 17.44% | 18.70% | 11.36% | $235.6M |
| Q1 2026 | 18.09% | 18.09% | 19.35% | 11.33% | $235.6M |
| Q2 2026 | 17.75% | 17.75% | 18.78% | 11.35% | $242.5M |
City Bank & Trust Co. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock City Bank & Trust Co., 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 City Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12608) · FFIEC NIC profile (RSSD 841753)