Clay County Bank, Inc.: 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 9.4% higher than in Q1 2026, at -$1.2M.
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 | 14.80% |
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 | $20.2M |
| Tier 1 capital | $20.2M |
| Total risk-based capital | — |
| Total equity capital | $19.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.98% |
| Tangible equity to tangible assets | 13.98% |
| Equity capital to average assets | 13.93% |
| Internal capital growth rate | 7.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $1.0M |
| Retained earnings | $18.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| 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 |
|---|---|---|---|
| Q3 2023 | 15.02% | 12.32% | 12.32% |
| Q4 2023 | 14.56% | 12.83% | 12.83% |
| Q1 2024 | 14.69% | 13.27% | 13.27% |
| Q2 2024 | 15.12% | 13.33% | 13.33% |
| Q3 2024 | 14.77% | 13.19% | 13.19% |
| Q4 2024 | 14.39% | 13.23% | 13.23% |
| Q1 2025 | 14.95% | 13.78% | 13.78% |
| Q2 2025 | 14.81% | 13.74% | 13.74% |
| Q3 2025 | 14.61% | 13.89% | 13.89% |
| Q4 2025 | 14.38% | 13.64% | 13.64% |
| Q1 2026 | 14.74% | 13.76% | 13.76% |
| Q2 2026 | 14.80% | 13.98% | 13.98% |
Clay County Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Clay County Bank, Inc., 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 Clay County Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2444) · FFIEC NIC profile (RSSD 832528)