Commonwealth Business 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%.
Risk-weighted assets rose 4.1% from Q1 2026 to Q2 2026, ending at $1.46B against $1.40B. It was the largest change among the key lines on this page. Within California, Commonwealth Business Bank is 22nd of 74 on CET1 ratio, 18.65% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Commonwealth Business Bank sits 5.17 points higher, at 18.65% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.65% |
| Tier 1 risk-based capital ratio | 18.65% |
| Total risk-based capital ratio | 19.87% |
| Tier 1 leverage ratio | 13.93% |
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 | $272.7M |
| Tier 1 capital | $272.7M |
| Total risk-based capital | $290.4M |
| Total equity capital | $275.5M |
| Risk-weighted assets | $1.46B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.01% |
| Tangible equity to tangible assets | 13.89% |
| Equity capital to average assets | 14.06% |
| Internal capital growth rate | 3.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $63.1M |
| Common stock surplus | $6.1M |
| Retained earnings | $206.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $10K |
| 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 | 17.57% | 17.57% | 18.79% | 12.50% | $1.29B |
| Q4 2023 | 18.05% | 18.05% | 19.27% | 12.96% | $1.29B |
| Q1 2024 | 18.65% | 18.65% | 19.91% | 13.84% | $1.28B |
| Q2 2024 | 18.28% | 18.28% | 19.50% | 14.45% | $1.32B |
| Q3 2024 | 18.95% | 18.95% | 20.18% | 14.58% | $1.30B |
| Q4 2024 | 18.95% | 18.95% | 20.16% | 14.07% | $1.33B |
| Q1 2025 | 19.05% | 19.05% | 20.18% | 14.00% | $1.34B |
| Q2 2025 | 18.94% | 18.94% | 20.09% | 14.45% | $1.37B |
| Q3 2025 | 19.22% | 19.22% | 20.42% | 14.32% | $1.36B |
| Q4 2025 | 19.01% | 19.01% | 20.20% | 13.23% | $1.40B |
| Q1 2026 | 19.22% | 19.22% | 20.45% | 13.76% | $1.40B |
| Q2 2026 | 18.65% | 18.65% | 19.87% | 13.93% | $1.46B |
Commonwealth Business Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Commonwealth Business 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 Commonwealth Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57873) · FFIEC NIC profile (RSSD 3337097)