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%.
Retained earnings rose 4.8% from Q1 2026 to Q2 2026, ending at $13.2M against $12.6M. 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 | 10.55% |
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 | $22.1M |
| Tier 1 capital | $22.1M |
| Total risk-based capital | — |
| Total equity capital | $18.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.66% |
| Tangible equity to tangible assets | 8.66% |
| Equity capital to average assets | 8.77% |
| Internal capital growth rate | 13.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $5.8M |
| Retained earnings | $13.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.7M |
| 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 | 15.43% | 15.43% | 16.29% | 10.03% | $107.3M |
| Q4 2023 | 16.07% | 16.07% | 16.92% | 10.19% | $106.4M |
| Q1 2024 | 15.70% | 15.70% | 16.54% | 9.62% | $110.2M |
| Q2 2024 | 15.88% | 15.88% | 16.73% | 9.91% | $112.8M |
| Q3 2024 | 16.80% | 16.80% | 17.66% | 10.34% | $110.2M |
| Q4 2024 | 16.69% | 16.69% | 17.52% | 10.84% | $114.5M |
| Q1 2025 | 16.78% | 16.78% | 17.61% | 10.69% | $115.7M |
| Q2 2025 | 16.99% | 16.99% | 17.82% | 10.96% | $118.1M |
| Q3 2025 | 16.68% | 16.68% | 17.49% | 10.89% | $123.9M |
| Q4 2025 | 17.79% | 17.79% | 18.66% | 10.76% | $119.7M |
| Q1 2026 | 17.79% | 17.79% | 18.50% | 10.68% | $120.6M |
| Q2 2026 | — | — | — | 10.55% | — |
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 58517) · FFIEC NIC profile (RSSD 3479018)