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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 6.2% to $1.16B. Within Pennsylvania, Community Bank is 33rd of 72 on CET1 ratio, 14.22% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Community Bank sits 0.73 points higher, at 14.22% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.22% |
| Tier 1 risk-based capital ratio | 14.22% |
| Total risk-based capital ratio | 15.18% |
| Tier 1 leverage ratio | 9.94% |
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 | $164.9M |
| Tier 1 capital | $164.9M |
| Total risk-based capital | $176.0M |
| Total equity capital | $169.7M |
| Risk-weighted assets | $1.16B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.25% |
| Tangible equity to tangible assets | 9.72% |
| Equity capital to average assets | 10.17% |
| Internal capital growth rate | 10.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $980K |
| Common stock surplus | $77.9M |
| Retained earnings | $95.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.9M |
| 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 | 12.77% | 12.77% | 13.90% | 9.37% | $1.03B |
| Q4 2023 | 13.64% | 13.64% | 14.61% | 10.19% | $1.05B |
| Q1 2024 | 14.50% | 14.50% | 15.51% | 10.28% | $1.01B |
| Q2 2024 | 14.59% | 14.59% | 15.58% | 9.98% | $1.02B |
| Q3 2024 | 14.79% | 14.79% | 15.76% | 9.96% | $1.02B |
| Q4 2024 | 14.78% | 14.78% | 15.79% | 9.98% | $1.03B |
| Q1 2025 | 14.94% | 14.94% | 15.95% | 10.36% | $1.02B |
| Q2 2025 | 15.28% | 15.28% | 16.29% | 10.49% | $1.03B |
| Q3 2025 | 14.19% | 14.19% | 15.20% | 10.06% | $1.07B |
| Q4 2025 | 13.92% | 13.92% | 14.89% | 10.15% | $1.12B |
| Q1 2026 | 14.70% | 14.70% | 15.71% | 10.34% | $1.09B |
| Q2 2026 | 14.22% | 14.22% | 15.18% | 9.94% | $1.16B |
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 7848) · FFIEC NIC profile (RSSD 371924)