Coastal Carolina 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%.
Compared with Q1 2026, Retained earnings rose 5.9% in Q2 2026 to $58.6M, the biggest move on this page. Coastal Carolina National Bank ranks 20th of 30 South Carolina banks on CET1 ratio, in the lower half at 12.99% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Coastal Carolina National Bank sits 0.49 points lower, at 12.99% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.99% |
| Tier 1 risk-based capital ratio | 12.99% |
| Total risk-based capital ratio | 14.21% |
| Tier 1 leverage ratio | 9.38% |
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 | $122.8M |
| Tier 1 capital | $122.8M |
| Total risk-based capital | $134.4M |
| Total equity capital | $122.3M |
| Risk-weighted assets | $945.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.06% |
| Tangible equity to tangible assets | 8.85% |
| Equity capital to average assets | 9.31% |
| Internal capital growth rate | 10.94% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9.9M |
| Common stock surplus | $58.0M |
| Retained earnings | $58.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.3M |
| 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 | 11.16% | 11.16% | 12.16% | 9.13% | $748.9M |
| Q4 2023 | 11.44% | 11.44% | 12.44% | 9.19% | $750.9M |
| Q1 2024 | 11.51% | 11.51% | 12.54% | 9.17% | $761.6M |
| Q2 2024 | 11.67% | 11.67% | 12.71% | 8.91% | $771.1M |
| Q3 2024 | 11.68% | 11.68% | 12.73% | 8.55% | $792.3M |
| Q4 2024 | 11.84% | 11.84% | 12.89% | 8.79% | $807.3M |
| Q1 2025 | 11.68% | 11.68% | 12.76% | 9.04% | $839.5M |
| Q2 2025 | 11.76% | 11.76% | 12.87% | 9.09% | $859.1M |
| Q3 2025 | 11.85% | 11.85% | 12.98% | 8.67% | $880.7M |
| Q4 2025 | 12.77% | 12.77% | 13.92% | 9.50% | $908.2M |
| Q1 2026 | 12.89% | 12.89% | 14.09% | 9.53% | $927.6M |
| Q2 2026 | 12.99% | 12.99% | 14.21% | 9.38% | $945.7M |
Coastal Carolina National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Coastal Carolina 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 Coastal Carolina National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58864) · FFIEC NIC profile (RSSD 3821822)