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%.
The standout move of Q2 2026 was in Retained earnings: 7.9% higher than in Q1 2026, at $145.3M. Within Tennessee, Commercial Bank is 41st of 71 on CET1 ratio, 13.02% as of Q2 2026, below the middle of the field. Commercial Bank reported 13.02% on CET1 ratio for Q2 2026, 0.46 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.02% |
| Tier 1 risk-based capital ratio | 13.02% |
| Total risk-based capital ratio | 13.97% |
| Tier 1 leverage ratio | 11.58% |
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 | $260.0M |
| Tier 1 capital | $260.0M |
| Total risk-based capital | $278.9M |
| Total equity capital | $261.9M |
| Risk-weighted assets | $2.00B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.12% |
| Tangible equity to tangible assets | 10.99% |
| Equity capital to average assets | 11.65% |
| Internal capital growth rate | 16.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $760K |
| Common stock surplus | $116.5M |
| Retained earnings | $145.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$718K |
| 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 | 11.99% | 11.99% | 12.86% | 10.07% | $1.56B |
| Q4 2023 | 12.35% | 12.35% | 13.24% | 10.33% | $1.57B |
| Q1 2024 | 12.47% | 12.47% | 13.36% | 10.45% | $1.60B |
| Q2 2024 | 12.47% | 12.47% | 13.34% | 10.59% | $1.62B |
| Q3 2024 | 12.88% | 12.88% | 13.87% | 10.82% | $1.84B |
| Q4 2024 | 12.48% | 12.48% | 13.45% | 10.56% | $1.89B |
| Q1 2025 | 13.03% | 13.03% | 14.01% | 10.63% | $1.85B |
| Q2 2025 | 13.60% | 13.60% | 14.58% | 11.22% | $1.83B |
| Q3 2025 | 14.17% | 14.17% | 15.16% | 12.03% | $1.82B |
| Q4 2025 | 12.55% | 12.55% | 13.51% | 10.80% | $1.90B |
| Q1 2026 | 13.05% | 13.05% | 14.02% | 11.14% | $1.91B |
| Q2 2026 | 13.02% | 13.02% | 13.97% | 11.58% | $2.00B |
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 22354) · FFIEC NIC profile (RSSD 497039)