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 largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which rose 2.8% to -$7.0M. Commercial Bank ranks 12th of 43 Michigan banks on CET1 ratio, in the upper half at 17.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Commercial Bank sits 2.33 points higher, at 17.40% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.40% |
| Tier 1 risk-based capital ratio | 17.40% |
| Total risk-based capital ratio | 18.36% |
| Tier 1 leverage ratio | 10.89% |
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 | $60.8M |
| Tier 1 capital | $60.8M |
| Total risk-based capital | $64.1M |
| Total equity capital | $56.9M |
| Risk-weighted assets | $349.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.30% |
| Tangible equity to tangible assets | 9.79% |
| Equity capital to average assets | 10.15% |
| Internal capital growth rate | 1.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.7M |
| Common stock surplus | $27.3M |
| Retained earnings | $33.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.0M |
| 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 | 14.64% | 14.64% | 15.58% | 9.49% | $389.0M |
| Q4 2023 | 14.66% | 14.66% | 15.58% | 9.63% | $391.3M |
| Q1 2024 | 14.87% | 14.87% | 15.81% | 9.70% | $388.4M |
| Q2 2024 | 15.08% | 15.08% | 16.00% | 9.98% | $386.7M |
| Q3 2024 | 15.41% | 15.41% | 16.35% | 10.17% | $381.3M |
| Q4 2024 | 16.05% | 16.05% | 16.99% | 10.32% | $371.5M |
| Q1 2025 | 16.22% | 16.22% | 17.18% | 10.45% | $368.3M |
| Q2 2025 | 16.50% | 16.50% | 17.46% | 10.63% | $363.4M |
| Q3 2025 | 16.79% | 16.79% | 17.75% | 10.86% | $358.6M |
| Q4 2025 | 17.32% | 17.32% | 18.30% | 10.88% | $349.1M |
| Q1 2026 | 17.62% | 17.62% | 18.60% | 10.80% | $343.9M |
| Q2 2026 | 17.40% | 17.40% | 18.36% | 10.89% | $349.4M |
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 18584) · FFIEC NIC profile (RSSD 513340)