Community First 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.
Compared with Q1 2026, Retained earnings rose 3.3% in Q2 2026 to $7.9M, the biggest move 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 | 12.84% |
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 | $16.1M |
| Tier 1 capital | $16.1M |
| Total risk-based capital | — |
| Total equity capital | $16.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.64% |
| Tangible equity to tangible assets | 12.12% |
| Equity capital to average assets | 12.64% |
| Internal capital growth rate | 6.56% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $8.9M |
| Retained earnings | $7.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$907K |
| 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 | 12.27% | 9.38% | 8.82% |
| Q4 2023 | 11.71% | 10.34% | 9.78% |
| Q1 2024 | 11.86% | 10.48% | 9.92% |
| Q2 2024 | 12.39% | 11.02% | 10.44% |
| Q3 2024 | 12.65% | 11.59% | 11.05% |
| Q4 2024 | 11.94% | 11.00% | 10.45% |
| Q1 2025 | 12.53% | 11.71% | 11.16% |
| Q2 2025 | 12.72% | 11.98% | 11.45% |
| Q3 2025 | 12.82% | 12.34% | 11.82% |
| Q4 2025 | 12.09% | 12.23% | 11.70% |
| Q1 2026 | 12.79% | 12.36% | 11.84% |
| Q2 2026 | 12.84% | 12.64% | 12.12% |
Community First Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community First 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 Community First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5197) · FFIEC NIC profile (RSSD 923855)