Commercial 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%.
Equity capital to average assets climbed 0.92 percentage points in Q2 2026, from 12.68% to 13.59%. It was the largest change from Q1 2026 among the key lines here. Commercial Bank ranks 10th of 57 Nebraska banks on CET1 ratio, in the upper half at 19.01% (Q2 2026). The median for banks in the < $100M asset tier is 19.57% on CET1 ratio; Commercial Bank reported 19.01% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.01% |
| Tier 1 risk-based capital ratio | 19.01% |
| Total risk-based capital ratio | 20.13% |
| Tier 1 leverage ratio | 15.24% |
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 | $8.8M |
| Tier 1 capital | $8.8M |
| Total risk-based capital | $9.3M |
| Total equity capital | $7.8M |
| Risk-weighted assets | $46.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.88% |
| Tangible equity to tangible assets | 13.88% |
| Equity capital to average assets | 13.59% |
| Internal capital growth rate | 7.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $5.5M |
| Retained earnings | $2.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$950K |
| 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 | 16.08% | 16.08% | 17.17% | 12.75% | $50.3M |
| Q4 2023 | 16.02% | 16.02% | 17.13% | 13.03% | $51.8M |
| Q1 2024 | 17.30% | 17.30% | 18.51% | 12.94% | $47.9M |
| Q2 2024 | 17.12% | 17.12% | 18.29% | 13.46% | $49.4M |
| Q3 2024 | 16.83% | 16.83% | 18.01% | 13.41% | $49.6M |
| Q4 2024 | 16.69% | 16.69% | 17.86% | 13.69% | $50.8M |
| Q1 2025 | 16.99% | 16.99% | 18.13% | 13.76% | $48.9M |
| Q2 2025 | 17.67% | 17.67% | 18.86% | 14.09% | $47.7M |
| Q3 2025 | 17.46% | 17.46% | 18.67% | 14.26% | $48.1M |
| Q4 2025 | 17.39% | 17.39% | 18.34% | 14.62% | $49.9M |
| Q1 2026 | 18.35% | 18.35% | 19.45% | 14.26% | $47.1M |
| Q2 2026 | 19.01% | 19.01% | 20.13% | 15.24% | $46.2M |
Commercial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial 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 Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12246) · FFIEC NIC profile (RSSD 42457)