Community Bank of Elmhurst: 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 Risk-weighted assets, which fell 4.0% to $127.4M. Community Bank of Elmhurst ranks 97th of 198 Illinois banks on CET1 ratio, in the upper half at 15.24% (Q2 2026). At 15.24%, Community Bank of Elmhurst's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.24% |
| Tier 1 risk-based capital ratio | 15.24% |
| Total risk-based capital ratio | 16.50% |
| Tier 1 leverage ratio | 9.94% |
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 | $19.4M |
| Tier 1 capital | $19.4M |
| Total risk-based capital | $21.0M |
| Total equity capital | $11.7M |
| Risk-weighted assets | $127.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.04% |
| Tangible equity to tangible assets | 6.04% |
| Equity capital to average assets | 6.01% |
| Internal capital growth rate | 8.71% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $7.7M |
| Retained earnings | $9.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.7M |
| 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 | 15.81% | 15.81% | 17.06% | 9.59% | $114.0M |
| Q4 2023 | 16.91% | 16.91% | 18.17% | 10.16% | $107.4M |
| Q1 2024 | 15.22% | 15.22% | 16.47% | 10.29% | $119.6M |
| Q2 2024 | 17.15% | 17.15% | 18.40% | 10.45% | $106.5M |
| Q3 2024 | 14.93% | 14.93% | 16.19% | 10.50% | $122.5M |
| Q4 2024 | 12.16% | 12.16% | 13.41% | 10.19% | $151.2M |
| Q1 2025 | 13.58% | 13.58% | 14.83% | 10.06% | $136.6M |
| Q2 2025 | 15.87% | 15.87% | 17.13% | 9.87% | $117.6M |
| Q3 2025 | 14.26% | 14.26% | 15.52% | 9.93% | $131.6M |
| Q4 2025 | 15.20% | 15.20% | 16.46% | 9.67% | $124.9M |
| Q1 2026 | 14.44% | 14.44% | 15.70% | 9.64% | $132.8M |
| Q2 2026 | 15.24% | 15.24% | 16.50% | 9.94% | $127.4M |
Community Bank of Elmhurst regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Elmhurst, 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 of Elmhurst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33805) · FFIEC NIC profile (RSSD 2044820)