Community Bank of Memphis: 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 3.3% from Q1 2026 to Q2 2026, ending at $5.6M against $5.4M. It was the largest change among the key lines on this page.
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 | 12.39% |
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 | $7.9M |
| Tier 1 capital | $7.9M |
| Total risk-based capital | — |
| Total equity capital | $8.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.29% |
| Tangible equity to tangible assets | 12.03% |
| Equity capital to average assets | 13.12% |
| Internal capital growth rate | 8.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $1.9M |
| Retained earnings | $5.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$162K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 13.61% | 13.24% | 11.61% |
| Q4 2023 | 13.76% | 13.75% | 12.17% |
| Q1 2024 | 13.91% | 14.25% | 12.61% |
| Q2 2024 | 14.14% | 14.17% | 12.58% |
| Q3 2024 | 14.38% | 14.76% | 13.19% |
| Q4 2024 | 13.94% | 14.10% | 12.60% |
| Q1 2025 | 13.38% | 12.66% | 11.32% |
| Q2 2025 | 12.61% | 13.33% | 11.97% |
| Q3 2025 | 12.84% | 13.71% | 12.37% |
| Q4 2025 | 12.65% | 13.34% | 12.07% |
| Q1 2026 | 12.57% | 13.49% | 12.19% |
| Q2 2026 | 12.39% | 13.29% | 12.03% |
Community Bank of Memphis regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Memphis, 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 Memphis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35094) · FFIEC NIC profile (RSSD 2724766)