Coffee County 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 largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 4.8% to $352.8M. Coffee County Bank ranks 56th of 71 Tennessee banks on CET1 ratio, in the lower half at 11.78% (Q2 2026). Coffee County Bank reported 11.78% on CET1 ratio for Q2 2026, 3.29 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.78% |
| Tier 1 risk-based capital ratio | 11.78% |
| Total risk-based capital ratio | 13.04% |
| Tier 1 leverage ratio | 9.65% |
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 | $41.6M |
| Tier 1 capital | $41.6M |
| Total risk-based capital | $46.0M |
| Total equity capital | $39.7M |
| Risk-weighted assets | $352.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.27% |
| Tangible equity to tangible assets | 9.27% |
| Equity capital to average assets | 9.20% |
| Internal capital growth rate | 13.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $440K |
| Common stock surplus | $321K |
| Retained earnings | $40.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| 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 | 10.99% | 10.99% | 12.24% | 9.71% | $285.4M |
| Q4 2023 | 11.11% | 11.11% | 12.36% | 9.64% | $287.8M |
| Q1 2024 | 10.84% | 10.84% | 12.09% | 9.28% | $293.2M |
| Q2 2024 | 10.82% | 10.82% | 12.07% | 9.39% | $300.6M |
| Q3 2024 | 10.80% | 10.80% | 12.05% | 9.27% | $309.8M |
| Q4 2024 | 11.30% | 11.30% | 12.55% | 9.33% | $305.4M |
| Q1 2025 | 11.32% | 11.32% | 12.57% | 9.40% | $311.5M |
| Q2 2025 | 11.68% | 11.68% | 12.93% | 9.26% | $311.9M |
| Q3 2025 | 11.83% | 11.83% | 13.08% | 9.24% | $320.7M |
| Q4 2025 | 11.81% | 11.81% | 13.06% | 9.36% | $332.8M |
| Q1 2026 | 11.96% | 11.96% | 13.22% | 9.45% | $336.6M |
| Q2 2026 | 11.78% | 11.78% | 13.04% | 9.65% | $352.8M |
Coffee County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Coffee County 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 Coffee County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22090) · FFIEC NIC profile (RSSD 211338)