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 0.42 percentage points to 9.11%. Commercial Bank & Trust Company ranks 13th of 71 Tennessee banks on CET1 ratio, in the upper half at 19.46% (Q2 2026). Commercial Bank & Trust Company reported 19.46% on CET1 ratio for Q2 2026, 5.97 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.46% |
| Tier 1 risk-based capital ratio | 19.46% |
| Total risk-based capital ratio | 20.71% |
| Tier 1 leverage ratio | 12.08% |
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 | $129.8M |
| Tier 1 capital | $129.8M |
| Total risk-based capital | $138.1M |
| Total equity capital | $98.4M |
| Risk-weighted assets | $666.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.11% |
| Tangible equity to tangible assets | 8.76% |
| Equity capital to average assets | 9.12% |
| Internal capital growth rate | 8.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $19.9M |
| Retained earnings | $113.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$35.6M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 18.98% | 18.98% | 20.22% | 11.70% | $631.9M |
| Q4 2023 | 19.86% | 19.86% | 21.11% | 11.76% | $606.2M |
| Q1 2024 | 20.18% | 20.18% | 21.43% | 12.19% | $606.6M |
| Q2 2024 | 19.80% | 19.80% | 21.05% | 12.10% | $625.8M |
| Q3 2024 | 20.60% | 20.60% | 21.86% | 12.08% | $609.2M |
| Q4 2024 | 19.17% | 19.17% | 20.42% | 11.43% | $636.1M |
| Q1 2025 | 19.51% | 19.51% | 20.76% | 11.58% | $630.8M |
| Q2 2025 | 19.40% | 19.40% | 20.66% | 11.47% | $643.7M |
| Q3 2025 | 19.21% | 19.21% | 20.46% | 11.78% | $664.7M |
| Q4 2025 | 19.08% | 19.08% | 20.33% | 11.58% | $661.8M |
| Q1 2026 | 19.69% | 19.69% | 20.94% | 11.86% | $649.1M |
| Q2 2026 | 19.46% | 19.46% | 20.71% | 12.08% | $666.9M |
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 8660) · FFIEC NIC profile (RSSD 467658)