Community Bank and Trust: 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 standout move of Q2 2026 was in Accumulated other comprehensive income: 43.0% lower than in Q1 2026, at -$2.7M. Among 98 Missouri banks, Community Bank and Trust sits 6th from the top on CET1 ratio, 27.64% as of Q2 2026. Community Bank and Trust's CET1 ratio of 27.64% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 12.56 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 27.64% |
| Tier 1 risk-based capital ratio | 27.64% |
| Total risk-based capital ratio | 28.89% |
| Tier 1 leverage ratio | 8.37% |
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 | $37.4M |
| Tier 1 capital | $37.4M |
| Total risk-based capital | $39.1M |
| Total equity capital | $37.0M |
| Risk-weighted assets | $135.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.31% |
| Tangible equity to tangible assets | 7.86% |
| Equity capital to average assets | 8.23% |
| Internal capital growth rate | 14.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $490K |
| Common stock surplus | $11.2M |
| Retained earnings | $28.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.7M |
| 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 | 26.25% | 26.25% | 27.50% | 8.60% | $131.7M |
| Q4 2023 | 24.79% | 24.79% | 26.04% | 8.20% | $131.4M |
| Q1 2024 | 26.58% | 26.58% | 27.83% | 8.31% | $125.8M |
| Q2 2024 | 25.87% | 25.87% | 27.12% | 7.87% | $125.4M |
| Q3 2024 | 26.91% | 26.91% | 28.16% | 8.20% | $125.3M |
| Q4 2024 | 26.14% | 26.14% | 27.39% | 7.90% | $126.1M |
| Q1 2025 | 25.80% | 25.80% | 27.06% | 8.00% | $131.4M |
| Q2 2025 | 25.29% | 25.29% | 26.54% | 7.77% | $132.0M |
| Q3 2025 | 25.13% | 25.13% | 26.38% | 8.02% | $138.3M |
| Q4 2025 | 25.17% | 25.17% | 26.43% | 8.01% | $139.0M |
| Q1 2026 | 26.87% | 26.87% | 28.12% | 8.22% | $134.4M |
| Q2 2026 | 27.64% | 27.64% | 28.89% | 8.37% | $135.5M |
Community Bank and Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13068) · FFIEC NIC profile (RSSD 957757)