Coastal Community 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 Retained earnings: 14.7% lower than in Q1 2026, at $240.9M. Coastal Community Bank ranks 17th of 21 Washington banks on CET1 ratio, in the lower half at 10.97% (Q2 2026). Coastal Community Bank reported 10.97% on CET1 ratio for Q2 2026, 2.51 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.97% |
| Tier 1 risk-based capital ratio | 10.97% |
| Total risk-based capital ratio | 12.27% |
| Tier 1 leverage ratio | 9.13% |
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 | $463.2M |
| Tier 1 capital | $463.2M |
| Total risk-based capital | $518.1M |
| Total equity capital | $467.5M |
| Risk-weighted assets | $4.22B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.57% |
| Tangible equity to tangible assets | 8.50% |
| Equity capital to average assets | 9.20% |
| Internal capital growth rate | -32.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $32.9M |
| Common stock surplus | $193.7M |
| Retained earnings | $240.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1K |
| 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 | 10.21% | 10.21% | 11.48% | 8.99% | $3.17B |
| Q4 2023 | 10.30% | 10.30% | 11.58% | 9.06% | $3.24B |
| Q1 2024 | 10.14% | 10.14% | 11.43% | 9.19% | $3.38B |
| Q2 2024 | 10.15% | 10.15% | 11.44% | 9.24% | $3.50B |
| Q3 2024 | 10.34% | 10.34% | 11.63% | 9.29% | $3.59B |
| Q4 2024 | 11.99% | 11.99% | 13.28% | 10.64% | $3.64B |
| Q1 2025 | 12.12% | 12.12% | 13.42% | 10.57% | $3.70B |
| Q2 2025 | 12.36% | 12.36% | 13.65% | 10.33% | $3.74B |
| Q3 2025 | 12.37% | 12.37% | 13.66% | 10.49% | $3.85B |
| Q4 2025 | 12.50% | 12.50% | 13.79% | 10.60% | $3.91B |
| Q1 2026 | 12.19% | 12.19% | 13.48% | 10.10% | $4.13B |
| Q2 2026 | 10.97% | 10.97% | 12.27% | 9.13% | $4.22B |
Coastal Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Coastal Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34403) · FFIEC NIC profile (RSSD 2562164)