Commencement 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Common stock surplus climbed 11.2% in Q2 2026, from $42.3M to $47.0M. It was the largest change from Q1 2026 among the key lines here. Within Washington, Commencement Bank is 10th of 21 on CET1 ratio, 12.95% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Commencement Bank sits 2.14 points lower, at 12.95% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.95% |
| Tier 1 risk-based capital ratio | 12.95% |
| Total risk-based capital ratio | 14.15% |
| Tier 1 leverage ratio | 10.30% |
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 | $75.1M |
| Tier 1 capital | $75.1M |
| Total risk-based capital | $82.1M |
| Total equity capital | $67.1M |
| Risk-weighted assets | $579.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.08% |
| Tangible equity to tangible assets | 8.93% |
| Equity capital to average assets | 9.20% |
| Internal capital growth rate | 6.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.2M |
| Common stock surplus | $47.0M |
| Retained earnings | $25.0M |
| 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 | 13.23% | 13.23% | 14.44% | 10.02% | $453.7M |
| Q4 2023 | 13.27% | 13.27% | 14.52% | 10.17% | $459.7M |
| Q1 2024 | 12.78% | 12.78% | 13.92% | 10.58% | $479.3M |
| Q2 2024 | 12.06% | 12.06% | 13.23% | 10.18% | $499.5M |
| Q3 2024 | 12.17% | 12.17% | 13.33% | 9.79% | $501.8M |
| Q4 2024 | 12.50% | 12.50% | 13.70% | 9.49% | $493.2M |
| Q1 2025 | 12.32% | 12.32% | 13.50% | 9.69% | $507.2M |
| Q2 2025 | 11.66% | 11.66% | 12.84% | 9.56% | $546.6M |
| Q3 2025 | 12.01% | 12.01% | 13.23% | 9.30% | $544.6M |
| Q4 2025 | 12.14% | 12.14% | 13.34% | 9.45% | $557.1M |
| Q1 2026 | 12.36% | 12.36% | 13.56% | 9.69% | $561.1M |
| Q2 2026 | 12.95% | 12.95% | 14.15% | 10.30% | $579.9M |
Commencement Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Commencement 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 Commencement Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58446) · FFIEC NIC profile (RSSD 3537897)