The Community Bank: 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%.
Compared with Q1 2026, Equity capital to total assets rose 0.63 percentage points in Q2 2026 to 11.44%, the biggest move on this page. Within Kansas, The Community Bank is 18th of 85 on CET1 ratio, 20.63% as of Q2 2026, above the middle of the field. The Community Bank reported 20.63% on CET1 ratio for Q2 2026, 5.56 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.63% |
| Tier 1 risk-based capital ratio | 20.63% |
| Total risk-based capital ratio | 21.88% |
| Tier 1 leverage ratio | 12.83% |
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 | $22.8M |
| Tier 1 capital | $22.8M |
| Total risk-based capital | $24.2M |
| Total equity capital | $19.8M |
| Risk-weighted assets | $110.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.44% |
| Tangible equity to tangible assets | 11.44% |
| Equity capital to average assets | 11.16% |
| Internal capital growth rate | 10.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $1.8M |
| Retained earnings | $19.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| 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 | 17.21% | 17.21% | 18.46% | 11.56% | $108.2M |
| Q4 2023 | 17.89% | 17.89% | 19.15% | 11.76% | $106.5M |
| Q1 2024 | 17.52% | 17.52% | 18.77% | 11.77% | $109.5M |
| Q2 2024 | 17.33% | 17.33% | 18.59% | 11.92% | $113.5M |
| Q3 2024 | 18.13% | 18.13% | 19.38% | 12.27% | $110.8M |
| Q4 2024 | 18.63% | 18.63% | 19.88% | 12.67% | $110.4M |
| Q1 2025 | 18.58% | 18.58% | 19.83% | 12.80% | $111.5M |
| Q2 2025 | 18.69% | 18.69% | 19.94% | 12.84% | $113.4M |
| Q3 2025 | 19.86% | 19.86% | 21.11% | 12.80% | $109.3M |
| Q4 2025 | 19.89% | 19.89% | 21.14% | 12.91% | $111.6M |
| Q1 2026 | 21.11% | 21.11% | 22.36% | 12.57% | $105.6M |
| Q2 2026 | 20.63% | 20.63% | 21.88% | 12.83% | $110.6M |
The Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Community Bank, 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 The Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34666) · FFIEC NIC profile (RSSD 2621940)