Community Bank, N.A.: 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%.
Risk-weighted assets rose 2.6% from Q1 2026 to Q2 2026, ending at $11.29B against $11.01B. It was the largest change among the key lines on this page. Community Bank, N.A. has the 6th lowest CET1 ratio of the 82 banks headquartered in New York, at 11.72% as of Q2 2026. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Community Bank, N.A. sits 1.23 points lower, at 11.72% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.72% |
| Tier 1 risk-based capital ratio | 11.73% |
| Total risk-based capital ratio | 12.54% |
| Tier 1 leverage ratio | 7.86% |
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 | $1.32B |
| Tier 1 capital | $1.32B |
| Total risk-based capital | $1.42B |
| Total equity capital | $1.67B |
| Risk-weighted assets | $11.29B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.55% |
| Tangible equity to tangible assets | 5.18% |
| Equity capital to average assets | 9.47% |
| Internal capital growth rate | 5.56% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.4M |
| Common stock surplus | $1.10B |
| Retained earnings | $975.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$417.6M |
| 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 | 12.37% | 12.37% | 13.07% | 7.83% | $9.20B |
| Q4 2023 | 12.11% | 12.11% | 12.82% | 7.70% | $9.41B |
| Q1 2024 | 11.92% | 11.93% | 12.65% | 7.62% | $9.67B |
| Q2 2024 | 11.82% | 11.82% | 12.54% | 7.68% | $9.85B |
| Q3 2024 | 11.69% | 11.69% | 12.46% | 7.55% | $10.01B |
| Q4 2024 | 11.96% | 11.96% | 12.74% | 7.69% | $10.12B |
| Q1 2025 | 12.27% | 12.27% | 13.08% | 7.88% | $10.20B |
| Q2 2025 | 12.49% | 12.50% | 13.30% | 7.99% | $10.23B |
| Q3 2025 | 12.50% | 12.50% | 13.32% | 8.09% | $10.44B |
| Q4 2025 | 12.02% | 12.02% | 12.84% | 7.85% | $10.73B |
| Q1 2026 | 11.98% | 11.98% | 12.80% | 7.91% | $11.01B |
| Q2 2026 | 11.72% | 11.73% | 12.54% | 7.86% | $11.29B |
Community Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6989) · FFIEC NIC profile (RSSD 202907)