Community Bank of Santa Maria: 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%.
Accumulated other comprehensive income climbed 8.1% in Q2 2026, from -$4.2M to -$3.9M. It was the largest change from Q1 2026 among the key lines here.
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 | 10.49% |
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 | $42.4M |
| Tier 1 capital | $42.4M |
| Total risk-based capital | — |
| Total equity capital | $38.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.72% |
| Tangible equity to tangible assets | 9.72% |
| Equity capital to average assets | 9.53% |
| Internal capital growth rate | 4.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $19.3M |
| Common stock surplus | $0 |
| Retained earnings | $23.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.9M |
| 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 | 14.91% | 14.91% | 15.91% | 9.61% | $266.0M |
| Q4 2023 | 15.21% | 15.21% | 16.21% | 9.92% | $267.5M |
| Q1 2024 | 15.11% | 15.11% | 16.07% | 10.38% | $275.5M |
| Q2 2024 | 14.52% | 14.52% | 15.45% | 10.21% | $286.8M |
| Q3 2024 | 15.11% | 15.11% | 16.08% | 10.33% | $281.5M |
| Q4 2024 | 15.27% | 15.27% | 16.23% | 10.54% | $285.5M |
| Q1 2025 | 15.14% | 15.14% | 16.09% | 10.78% | $293.8M |
| Q2 2025 | 14.18% | 14.18% | 15.16% | 10.56% | $310.0M |
| Q3 2025 | 14.27% | 14.27% | 15.26% | 10.45% | $310.9M |
| Q4 2025 | 14.57% | 14.57% | 15.56% | 10.68% | $312.6M |
| Q1 2026 | 13.30% | 13.30% | 14.30% | 10.11% | $315.3M |
| Q2 2026 | — | — | — | 10.49% | — |
Community Bank of Santa Maria regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Santa Maria, 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 Santa Maria profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57073) · FFIEC NIC profile (RSSD 2997216)