Commercial Bank & Trust of PA: 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%.
Compared with Q1 2026, Accumulated other comprehensive income rose 7.5% in Q2 2026 to -$20.1M, the biggest move on this page. Commercial Bank & Trust of PA ranks 12th of 72 Pennsylvania banks on CET1 ratio, in the upper half at 26.28% (Q2 2026). Commercial Bank & Trust of PA's CET1 ratio of 26.28% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 11.21 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 26.28% |
| Tier 1 risk-based capital ratio | 26.28% |
| Total risk-based capital ratio | 26.62% |
| Tier 1 leverage ratio | 14.74% |
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 | $56.8M |
| Tier 1 capital | $56.8M |
| Total risk-based capital | $57.5M |
| Total equity capital | $36.6M |
| Risk-weighted assets | $216.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.25% |
| Tangible equity to tangible assets | 10.25% |
| Equity capital to average assets | 9.51% |
| Internal capital growth rate | 1.54% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $3.4M |
| Retained earnings | $52.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$20.1M |
| 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 | 23.98% | 23.98% | 24.46% | 13.49% | $241.3M |
| Q4 2023 | 24.35% | 24.35% | 24.84% | 13.50% | $236.4M |
| Q1 2024 | 24.32% | 24.32% | 24.80% | 13.78% | $235.9M |
| Q2 2024 | 24.13% | 24.13% | 24.61% | 13.74% | $236.1M |
| Q3 2024 | 24.55% | 24.55% | 25.02% | 13.82% | $230.5M |
| Q4 2024 | 24.90% | 24.90% | 25.28% | 14.01% | $228.4M |
| Q1 2025 | 25.19% | 25.19% | 25.57% | 14.15% | $226.2M |
| Q2 2025 | 25.41% | 25.41% | 25.79% | 14.37% | $224.9M |
| Q3 2025 | 25.29% | 25.29% | 25.68% | 14.26% | $222.5M |
| Q4 2025 | 25.91% | 25.91% | 26.28% | 14.44% | $218.0M |
| Q1 2026 | 25.93% | 25.93% | 26.26% | 14.64% | $218.4M |
| Q2 2026 | 26.28% | 26.28% | 26.62% | 14.74% | $216.0M |
Commercial Bank & Trust of PA regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank & Trust of PA, 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 of PA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14333) · FFIEC NIC profile (RSSD 945026)