Community National 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%.
The standout move of Q2 2026 was in Equity capital to total assets: 0.87 percentage points higher than in Q1 2026, at 11.31%. Within Vermont, Community National Bank is 7th of 10 on CET1 ratio, 14.79% as of Q2 2026, below the middle of the field. Community National Bank reported 14.79% on CET1 ratio for Q2 2026, 1.32 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.79% |
| Tier 1 risk-based capital ratio | 14.79% |
| Total risk-based capital ratio | 16.05% |
| Tier 1 leverage ratio | 10.63% |
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 | $130.3M |
| Tier 1 capital | $130.3M |
| Total risk-based capital | $141.4M |
| Total equity capital | $132.5M |
| Risk-weighted assets | $880.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.31% |
| Tangible equity to tangible assets | 10.42% |
| Equity capital to average assets | 10.71% |
| Internal capital growth rate | 10.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $350K |
| Common stock surplus | $19.3M |
| Retained earnings | $122.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.4M |
| 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 | 13.40% | 13.40% | 14.65% | 9.49% | $765.3M |
| Q4 2023 | 13.65% | 13.65% | 14.90% | 9.50% | $771.9M |
| Q1 2024 | 13.70% | 13.70% | 14.95% | 9.71% | $784.8M |
| Q2 2024 | 13.63% | 13.63% | 14.88% | 9.74% | $799.1M |
| Q3 2024 | 13.52% | 13.52% | 14.77% | 9.78% | $823.0M |
| Q4 2024 | 13.52% | 13.52% | 14.76% | 9.40% | $845.6M |
| Q1 2025 | 13.69% | 13.69% | 14.94% | 9.81% | $854.8M |
| Q2 2025 | 13.60% | 13.60% | 14.85% | 10.06% | $876.0M |
| Q3 2025 | 14.09% | 14.09% | 15.34% | 10.28% | $868.2M |
| Q4 2025 | 14.13% | 14.13% | 15.38% | 9.92% | $874.3M |
| Q1 2026 | 14.36% | 14.36% | 15.62% | 10.19% | $884.6M |
| Q2 2026 | 14.79% | 14.79% | 16.05% | 10.63% | $880.9M |
Community National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6271) · FFIEC NIC profile (RSSD 270504)