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%.
Accumulated other comprehensive income dropped 19.9% in Q2 2026, from -$1.2M to -$1.4M. It was the largest change from Q1 2026 among the key lines here.
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 | 9.95% |
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 | $11.6M |
| Tier 1 capital | $11.6M |
| Total risk-based capital | — |
| Total equity capital | $10.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.93% |
| Tangible equity to tangible assets | 8.93% |
| Equity capital to average assets | 8.76% |
| Internal capital growth rate | 19.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $220K |
| Common stock surplus | $2.8M |
| Retained earnings | $8.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| 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 | 19.29% | 19.29% | 20.50% | 9.47% | $51.7M |
| Q4 2023 | 19.71% | 19.71% | 20.92% | 9.73% | $51.8M |
| Q1 2024 | 20.21% | 20.21% | 21.41% | 9.65% | $51.2M |
| Q2 2024 | 21.25% | 21.25% | 22.50% | 9.80% | $50.1M |
| Q3 2024 | 20.20% | 20.20% | 21.36% | 10.22% | $54.0M |
| Q4 2024 | 21.98% | 21.98% | 23.22% | 10.23% | $50.0M |
| Q1 2025 | — | — | — | 10.16% | — |
| Q2 2025 | — | — | — | 9.87% | — |
| Q3 2025 | — | — | — | 10.05% | — |
| Q4 2025 | — | — | — | 10.32% | — |
| Q1 2026 | — | — | — | 9.69% | — |
| Q2 2026 | — | — | — | 9.95% | — |
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 19595) · FFIEC NIC profile (RSSD 491653)