Community 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%.
Equity capital to total assets rose 0.38 percentage points from Q1 2026 to Q2 2026, ending at 11.51% against 11.13%. It was the largest change among the key lines 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 | 12.20% |
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 | $8.7M |
| Tier 1 capital | $8.7M |
| Total risk-based capital | — |
| Total equity capital | $8.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.51% |
| Tangible equity to tangible assets | 11.51% |
| Equity capital to average assets | 11.16% |
| Internal capital growth rate | 3.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $75K |
| Common stock surplus | $2.9M |
| Retained earnings | $5.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$744K |
| 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 | 13.19% | 9.94% | 9.94% |
| Q4 2023 | 12.86% | 10.15% | 10.15% |
| Q1 2024 | 12.36% | 10.05% | 10.05% |
| Q2 2024 | 12.16% | 9.86% | 9.86% |
| Q3 2024 | 12.42% | 11.08% | 11.08% |
| Q4 2024 | 12.14% | 10.38% | 10.38% |
| Q1 2025 | 12.65% | 11.60% | 11.60% |
| Q2 2025 | 13.16% | 11.64% | 11.64% |
| Q3 2025 | 12.88% | 11.43% | 11.43% |
| Q4 2025 | 12.21% | 11.24% | 11.24% |
| Q1 2026 | 12.02% | 11.13% | 11.13% |
| Q2 2026 | 12.20% | 11.51% | 11.51% |
Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1687) · FFIEC NIC profile (RSSD 276953)