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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Total equity capital rose 4.3% in Q2 2026 to $18.7M, the biggest move on this page.
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 | 10.60% |
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 | $32.3M |
| Tier 1 capital | $32.3M |
| Total risk-based capital | — |
| Total equity capital | $18.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.34% |
| Tangible equity to tangible assets | 6.34% |
| Equity capital to average assets | 6.15% |
| Internal capital growth rate | 15.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $202K |
| Common stock surplus | $10.1M |
| Retained earnings | $22.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$13.6M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.54% | 4.69% | 4.69% |
| Q4 2023 | 11.16% | 4.93% | 4.93% |
| Q1 2024 | 10.86% | 4.92% | 4.92% |
| Q2 2024 | 11.06% | 5.19% | 5.19% |
| Q3 2024 | 11.28% | 6.65% | 6.65% |
| Q4 2024 | 11.02% | 5.11% | 5.11% |
| Q1 2025 | 10.59% | 5.20% | 5.20% |
| Q2 2025 | 10.66% | 5.24% | 5.24% |
| Q3 2025 | 10.70% | 6.07% | 6.07% |
| Q4 2025 | 10.69% | 6.27% | 6.27% |
| Q1 2026 | 10.60% | 6.28% | 6.28% |
| Q2 2026 | 10.60% | 6.34% | 6.34% |
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 9356) · FFIEC NIC profile (RSSD 700430)