Clear Mountain 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%.
Accumulated other comprehensive income climbed 15.2% in Q2 2026, from -$18.4M to -$15.6M. It was the largest change from Q1 2026 among the key lines here.
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 | 13.08% |
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 | $133.9M |
| Tier 1 capital | $133.9M |
| Total risk-based capital | — |
| Total equity capital | $118.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.53% |
| Tangible equity to tangible assets | 11.53% |
| Equity capital to average assets | 11.56% |
| Internal capital growth rate | -13.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $376K |
| Common stock surplus | $1.6M |
| Retained earnings | $131.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15.6M |
| 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 | 12.09% | 8.59% | 8.59% |
| Q4 2023 | 12.22% | 9.81% | 9.81% |
| Q1 2024 | 12.01% | 9.61% | 9.61% |
| Q2 2024 | 12.07% | 9.72% | 9.72% |
| Q3 2024 | 12.06% | 10.44% | 10.44% |
| Q4 2024 | 12.59% | 10.31% | 10.31% |
| Q1 2025 | 12.87% | 10.40% | 10.40% |
| Q2 2025 | 13.13% | 10.77% | 10.77% |
| Q3 2025 | 13.36% | 11.31% | 11.31% |
| Q4 2025 | 13.15% | 11.94% | 11.94% |
| Q1 2026 | 13.60% | 11.81% | 11.81% |
| Q2 2026 | 13.08% | 11.53% | 11.53% |
Clear Mountain Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Clear Mountain 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 Clear Mountain Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2443) · FFIEC NIC profile (RSSD 886624)