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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.35 percentage points to 10.32%. The Community Bank ranks 27th of 84 Ohio banks on CET1 ratio, in the upper half at 16.09% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. The Community Bank sits 1.01 points higher, at 16.09% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.09% |
| Tier 1 risk-based capital ratio | 16.09% |
| Total risk-based capital ratio | 17.19% |
| Tier 1 leverage ratio | 10.58% |
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 | $72.2M |
| Tier 1 capital | $72.2M |
| Total risk-based capital | $77.1M |
| Total equity capital | $70.2M |
| Risk-weighted assets | $448.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.32% |
| Tangible equity to tangible assets | 10.01% |
| Equity capital to average assets | 10.26% |
| Internal capital growth rate | 8.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $620K |
| Common stock surplus | $21.5M |
| Retained earnings | $51.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.8M |
| 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 | 14.44% | 14.44% | 15.67% | 9.67% | $407.6M |
| Q4 2023 | 14.81% | 14.81% | 16.04% | 9.76% | $405.1M |
| Q1 2024 | 15.19% | 15.19% | 16.42% | 9.97% | $399.2M |
| Q2 2024 | 14.90% | 14.90% | 16.10% | 10.00% | $413.0M |
| Q3 2024 | 14.95% | 14.95% | 16.14% | 9.68% | $420.1M |
| Q4 2024 | 15.33% | 15.33% | 16.52% | 9.62% | $418.1M |
| Q1 2025 | 15.25% | 15.25% | 16.42% | 9.72% | $427.5M |
| Q2 2025 | 15.55% | 15.55% | 16.72% | 9.72% | $428.9M |
| Q3 2025 | 15.80% | 15.80% | 16.94% | 9.95% | $434.9M |
| Q4 2025 | 15.90% | 15.90% | 17.07% | 10.10% | $441.8M |
| Q1 2026 | 15.78% | 15.78% | 16.90% | 10.31% | $447.8M |
| Q2 2026 | 16.09% | 16.09% | 17.19% | 10.58% | $448.4M |
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 5981) · FFIEC NIC profile (RSSD 729011)