Commerceone 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.
The standout move of Q2 2026 was in Equity capital to total assets: 1.12 percentage points lower than in Q1 2026, at 8.00%. Within Alabama, Commerceone Bank is 30th of 36 on CET1 ratio, 11.89% as of Q2 2026. Commerceone Bank reported 11.89% on CET1 ratio for Q2 2026, 1.61 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.89% |
| Tier 1 risk-based capital ratio | 11.89% |
| Total risk-based capital ratio | 12.89% |
| Tier 1 leverage ratio | 9.01% |
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 | $87.3M |
| Tier 1 capital | $87.3M |
| Total risk-based capital | $94.7M |
| Total equity capital | $85.0M |
| Risk-weighted assets | $734.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.00% |
| Tangible equity to tangible assets | 8.00% |
| Equity capital to average assets | 8.77% |
| Internal capital growth rate | 17.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.8M |
| Common stock surplus | $46.2M |
| Retained earnings | $36.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.3M |
| 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 | 11.69% | 11.69% | 12.86% | 11.41% | $574.4M |
| Q4 2023 | 11.84% | 11.84% | 13.00% | 11.13% | $574.6M |
| Q1 2024 | 12.38% | 12.38% | 13.55% | 11.03% | $568.0M |
| Q2 2024 | 11.69% | 11.69% | 12.86% | 11.38% | $615.1M |
| Q3 2024 | 12.16% | 12.16% | 13.35% | 10.84% | $613.9M |
| Q4 2024 | 12.02% | 12.02% | 13.21% | 10.58% | $644.0M |
| Q1 2025 | 12.21% | 12.21% | 13.42% | 10.21% | $656.4M |
| Q2 2025 | 12.08% | 12.08% | 13.29% | 10.68% | $686.0M |
| Q3 2025 | 11.80% | 11.80% | 13.00% | 11.10% | $730.1M |
| Q4 2025 | 11.70% | 11.70% | 12.89% | 10.92% | $758.0M |
| Q1 2026 | 11.32% | 11.32% | 12.32% | 9.70% | $738.7M |
| Q2 2026 | 11.89% | 11.89% | 12.89% | 9.01% | $734.8M |
Commerceone Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Commerceone 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 Commerceone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59114) · FFIEC NIC profile (RSSD 5227101)