The City National Bank of Colorado City: 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%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 5.5% to $24.0M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.97% |
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 | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $48.6M |
| Tier 1 capital | $48.6M |
| Total risk-based capital | — |
| Total equity capital | $55.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.25% |
| Tangible equity to tangible assets | 10.97% |
| Equity capital to average assets | 12.32% |
| Internal capital growth rate | 9.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $30.8M |
| Retained earnings | $24.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $325K |
| 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 | 17.01% | 17.01% | 18.27% | 10.17% | $160.5M |
| Q4 2023 | 16.97% | 16.97% | 18.23% | 10.27% | $165.5M |
| Q1 2024 | 17.36% | 17.36% | 18.62% | 10.16% | $165.2M |
| Q2 2024 | 18.15% | 18.15% | 19.41% | 10.38% | $161.3M |
| Q3 2024 | 17.91% | 17.91% | 19.17% | 10.75% | $168.2M |
| Q4 2024 | 17.51% | 17.51% | 18.77% | 10.66% | $176.1M |
| Q1 2025 | 17.38% | 17.38% | 18.64% | 10.56% | $179.7M |
| Q2 2025 | — | — | — | 10.72% | — |
| Q3 2025 | — | — | — | 11.10% | — |
| Q4 2025 | — | — | — | 11.26% | — |
| Q1 2026 | — | — | — | 10.73% | — |
| Q2 2026 | — | — | — | 10.97% | — |
The City National Bank of Colorado City regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The City National Bank of Colorado City, 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 City National Bank of Colorado City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3144) · FFIEC NIC profile (RSSD 799854)