Commercial Bank & Trust Company: 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 7.14%.
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 | 11.30% |
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 | $41.7M |
| Tier 1 capital | $41.7M |
| Total risk-based capital | — |
| Total equity capital | $26.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.14% |
| Tangible equity to tangible assets | 7.14% |
| Equity capital to average assets | 7.03% |
| Internal capital growth rate | 11.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $4.8M |
| Retained earnings | $36.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15.8M |
| 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 | 10.71% | 3.73% | 3.73% |
| Q4 2023 | 10.24% | 4.52% | 4.52% |
| Q1 2024 | 10.24% | 4.36% | 4.36% |
| Q2 2024 | 15.49% | 4.74% | 4.74% |
| Q3 2024 | 11.09% | 5.99% | 5.99% |
| Q4 2024 | 10.97% | 5.03% | 5.03% |
| Q1 2025 | 10.91% | 5.38% | 5.38% |
| Q2 2025 | 10.99% | 5.79% | 5.79% |
| Q3 2025 | 11.19% | 6.69% | 6.69% |
| Q4 2025 | 10.91% | 6.62% | 6.62% |
| Q1 2026 | 11.04% | 6.72% | 6.72% |
| Q2 2026 | 11.30% | 7.14% | 7.14% |
Commercial Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90) · FFIEC NIC profile (RSSD 23643)