The 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 Equity capital to total assets, which rose 0.41 percentage points to 8.21%.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.65% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $35.6M |
| Tier 1 capital | $35.6M |
| Total risk-based capital | — |
| Total equity capital | $23.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.21% |
| Tangible equity to tangible assets | 8.21% |
| Equity capital to average assets | 8.30% |
| Internal capital growth rate | 5.98% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $7.5M |
| Retained earnings | $27.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.2M |
| 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 | 32.80% | 32.80% | 33.99% | 13.27% | $100.7M |
| Q4 2023 | 30.07% | 30.07% | 31.16% | 13.29% | $110.2M |
| Q1 2024 | 29.01% | 29.01% | 30.05% | 13.51% | $115.4M |
| Q2 2024 | 28.83% | 28.83% | 29.87% | 13.60% | $116.9M |
| Q3 2024 | 27.01% | 27.01% | 27.96% | 13.65% | $125.7M |
| Q4 2024 | 29.20% | 29.20% | 30.23% | 13.43% | $116.6M |
| Q1 2025 | 29.03% | 29.03% | 30.14% | 13.31% | $118.1M |
| Q2 2025 | 29.58% | 29.58% | 30.71% | 13.30% | $116.6M |
| Q3 2025 | 29.53% | 29.53% | 30.64% | 13.32% | $117.7M |
| Q4 2025 | 28.82% | 28.82% | 29.85% | 13.51% | $121.5M |
| Q1 2026 | 29.88% | 29.88% | 30.95% | 12.79% | $117.9M |
| Q2 2026 | — | — | — | 12.65% | — |
The Commercial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14642) · FFIEC NIC profile (RSSD 349129)