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 Retained earnings, which rose 6.9% to $9.9M.
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 | 10.09% |
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 | $11.9M |
| Tier 1 capital | $11.9M |
| Total risk-based capital | — |
| Total equity capital | $11.8M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.95% |
| Tangible equity to tangible assets | 9.95% |
| Equity capital to average assets | 10.02% |
| Internal capital growth rate | 22.71% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $415K |
| Common stock surplus | $1.6M |
| Retained earnings | $9.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$83K |
| 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 | 16.67% | 16.67% | 17.93% | 10.68% | $69.2M |
| Q4 2023 | 14.39% | 14.39% | 15.64% | 9.25% | $70.5M |
| Q1 2024 | 15.29% | 15.29% | 16.55% | 9.87% | $70.4M |
| Q2 2024 | 15.22% | 15.22% | 16.48% | 10.22% | $75.9M |
| Q3 2024 | 16.50% | 16.50% | 17.75% | 10.94% | $74.7M |
| Q4 2024 | 14.16% | 14.16% | 15.42% | 9.45% | $74.5M |
| Q1 2025 | 15.48% | 15.48% | 16.73% | 10.11% | $72.6M |
| Q2 2025 | 15.48% | 15.48% | 16.74% | 10.83% | $77.3M |
| Q3 2025 | 16.71% | 16.71% | 17.96% | 11.26% | $75.6M |
| Q4 2025 | 13.37% | 13.37% | 14.62% | 9.56% | $80.0M |
| Q1 2026 | — | — | — | 9.99% | — |
| Q2 2026 | — | — | — | 10.09% | — |
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 8975) · FFIEC NIC profile (RSSD 938550)