The Clinton National 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%.
The standout move of Q2 2026 was in Equity capital to total assets: 1.11 percentage points higher than in Q1 2026, at 11.26%.
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 | 13.44% |
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 | $56.2M |
| Tier 1 capital | $56.2M |
| Total risk-based capital | — |
| Total equity capital | $44.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.26% |
| Tangible equity to tangible assets | 10.47% |
| Equity capital to average assets | 10.59% |
| Internal capital growth rate | 1.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $963K |
| Common stock surplus | $963K |
| Retained earnings | $57.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15.0M |
| 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 | 12.07% | 5.68% | 4.89% |
| Q4 2023 | 12.31% | 8.17% | 7.37% |
| Q1 2024 | 11.93% | 7.05% | 6.31% |
| Q2 2024 | 12.04% | 7.82% | 7.00% |
| Q3 2024 | 12.87% | 9.24% | 8.46% |
| Q4 2024 | 12.35% | 8.36% | 7.59% |
| Q1 2025 | 12.67% | 8.68% | 7.93% |
| Q2 2025 | 12.60% | 9.80% | 9.01% |
| Q3 2025 | 13.16% | 10.05% | 9.29% |
| Q4 2025 | 13.24% | 10.79% | 10.02% |
| Q1 2026 | 13.34% | 10.15% | 9.42% |
| Q2 2026 | 13.44% | 11.26% | 10.47% |
The Clinton National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Clinton National 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 The Clinton National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4439) · FFIEC NIC profile (RSSD 773443)