Climate First Bank: 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The standout move of Q2 2026 was in Retained earnings: 47.9% higher than in Q1 2026, at $16.9M. On CET1 ratio, Climate First Bank is 1st from the bottom among 56 Florida banks, 9.83% (Q2 2026). Climate First Bank reported 9.83% on CET1 ratio for Q2 2026, 3.66 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.83% |
| Tier 1 risk-based capital ratio | 9.83% |
| Total risk-based capital ratio | 10.87% |
| Tier 1 leverage ratio | 9.66% |
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 | $175.6M |
| Tier 1 capital | $175.6M |
| Total risk-based capital | $194.1M |
| Total equity capital | $178.3M |
| Risk-weighted assets | $1.79B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.18% |
| Tangible equity to tangible assets | 9.09% |
| Equity capital to average assets | 9.79% |
| Internal capital growth rate | 13.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $22.6M |
| Common stock surplus | $139.0M |
| Retained earnings | $16.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$172K |
| 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 | 9.61% | 9.61% | 10.85% | 9.97% | $443.4M |
| Q4 2023 | 9.49% | 9.49% | 10.68% | 9.72% | $504.2M |
| Q1 2024 | 9.63% | 9.63% | 10.78% | 9.31% | $555.4M |
| Q2 2024 | 9.05% | 9.05% | 10.22% | 9.11% | $646.1M |
| Q3 2024 | 9.30% | 9.30% | 10.38% | 9.37% | $754.5M |
| Q4 2024 | 9.22% | 9.22% | 10.24% | 9.17% | $842.1M |
| Q1 2025 | 9.84% | 9.84% | 10.88% | 9.88% | $945.4M |
| Q2 2025 | 9.37% | 9.37% | 10.43% | 9.58% | $1.12B |
| Q3 2025 | 9.16% | 9.16% | 10.21% | 9.36% | $1.29B |
| Q4 2025 | 9.37% | 9.37% | 10.42% | 9.65% | $1.50B |
| Q1 2026 | 9.95% | 9.95% | 10.99% | 9.53% | $1.61B |
| Q2 2026 | 9.83% | 9.83% | 10.87% | 9.66% | $1.79B |
Climate First Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Climate First Bank, 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 Climate First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59257) · FFIEC NIC profile (RSSD 5592340)