Column N.A.: 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%.
Retained earnings climbed 27.2% in Q2 2026, from $114.7M to $145.9M. It was the largest change from Q1 2026 among the key lines here. Column N.A.'s CET1 ratio of 25.03% is well above the 13.48% median for banks in the $1B-10B asset tier, a gap of 11.55 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 25.03% |
| Tier 1 risk-based capital ratio | 25.03% |
| Total risk-based capital ratio | 25.37% |
| Tier 1 leverage ratio | 8.43% |
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 | $183.6M |
| Tier 1 capital | $183.6M |
| Total risk-based capital | $186.0M |
| Total equity capital | $174.8M |
| Risk-weighted assets | $733.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.88% |
| Tangible equity to tangible assets | 9.87% |
| Equity capital to average assets | 8.02% |
| Internal capital growth rate | 85.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9.7M |
| Common stock surplus | $28.4M |
| Retained earnings | $145.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.2M |
| 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 | — | — | — | 9.97% | — |
| Q4 2023 | — | — | — | 9.96% | — |
| Q1 2024 | 18.19% | 18.19% | 19.19% | 10.03% | $263.4M |
| Q2 2024 | 17.81% | 17.81% | 18.78% | 9.35% | $272.5M |
| Q3 2024 | 19.39% | 19.39% | 20.31% | 8.62% | $281.0M |
| Q4 2024 | 19.47% | 19.47% | 20.30% | 8.74% | $311.6M |
| Q1 2025 | 19.24% | 19.24% | 19.94% | 9.67% | $369.8M |
| Q2 2025 | 28.20% | 28.20% | 28.89% | 9.15% | $335.0M |
| Q3 2025 | 29.02% | 29.02% | 29.62% | 9.26% | $387.3M |
| Q4 2025 | 30.46% | 30.46% | 30.97% | 8.94% | $423.8M |
| Q1 2026 | 23.73% | 23.73% | 24.07% | 8.03% | $642.0M |
| Q2 2026 | 25.03% | 25.03% | 25.37% | 8.43% | $733.4M |
Column N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Column N.A., 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 Column N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58224) · FFIEC NIC profile (RSSD 3435948)