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%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.2% to $29.7M.
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 | 11.95% |
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 | $37.3M |
| Tier 1 capital | $37.3M |
| Total risk-based capital | — |
| Total equity capital | $37.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.83% |
| Tangible equity to tangible assets | 11.83% |
| Equity capital to average assets | 11.95% |
| Internal capital growth rate | 10.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $899K |
| Common stock surplus | $6.7M |
| Retained earnings | $29.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 10.93% | 11.03% | 11.03% |
| Q4 2023 | 10.35% | 10.10% | 10.10% |
| Q1 2024 | 10.58% | 10.45% | 10.45% |
| Q2 2024 | 10.71% | 11.20% | 11.20% |
| Q3 2024 | 11.43% | 11.17% | 11.17% |
| Q4 2024 | 11.05% | 10.66% | 10.66% |
| Q1 2025 | 11.48% | 11.45% | 11.45% |
| Q2 2025 | 11.74% | 11.64% | 11.64% |
| Q3 2025 | 12.00% | 12.14% | 12.14% |
| Q4 2025 | 11.53% | 11.07% | 11.07% |
| Q1 2026 | 12.10% | 12.06% | 12.06% |
| Q2 2026 | 11.95% | 11.83% | 11.83% |
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 25752) · FFIEC NIC profile (RSSD 572655)