Community Bank, Lexington, Tennessee: 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%.
Retained earnings rose 3.4% from Q1 2026 to Q2 2026, ending at $21.2M against $20.5M. It was the largest change among the key lines on this page. Community Bank, Lexington, Tennessee ranks 40th of 71 Tennessee banks on CET1 ratio, in the lower half at 13.18% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Community Bank, Lexington, Tennessee sits 1.89 points lower, at 13.18% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.18% |
| Tier 1 risk-based capital ratio | 13.18% |
| Total risk-based capital ratio | 14.19% |
| Tier 1 leverage ratio | 10.64% |
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 | $38.1M |
| Tier 1 capital | $38.1M |
| Total risk-based capital | $41.0M |
| Total equity capital | $38.2M |
| Risk-weighted assets | $289.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.69% |
| Tangible equity to tangible assets | 10.58% |
| Equity capital to average assets | 10.65% |
| Internal capital growth rate | 7.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $17.3M |
| Retained earnings | $21.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$329K |
| 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 | 10.77% | 10.77% | 11.98% | 8.80% | $232.8M |
| Q4 2023 | 10.26% | 10.26% | 11.47% | 8.54% | $242.4M |
| Q1 2024 | 10.85% | 10.85% | 12.03% | 9.16% | $250.3M |
| Q2 2024 | 10.71% | 10.71% | 11.82% | 8.86% | $256.0M |
| Q3 2024 | 10.73% | 10.73% | 11.81% | 8.89% | $256.4M |
| Q4 2024 | 10.50% | 10.50% | 11.58% | 8.77% | $260.9M |
| Q1 2025 | 10.73% | 10.73% | 11.75% | 8.92% | $258.8M |
| Q2 2025 | 11.43% | 11.43% | 12.48% | 8.89% | $246.9M |
| Q3 2025 | 10.94% | 10.94% | 11.94% | 8.90% | $262.7M |
| Q4 2025 | 10.28% | 10.28% | 11.29% | 8.45% | $281.7M |
| Q1 2026 | 13.30% | 13.30% | 14.34% | 10.80% | $281.2M |
| Q2 2026 | 13.18% | 13.18% | 14.19% | 10.64% | $289.2M |
Community Bank, Lexington, Tennessee regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank, Lexington, Tennessee, 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, Lexington, Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31272) · FFIEC NIC profile (RSSD 361279)