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%.
Compared with Q1 2026, Equity capital to total assets rose 0.72 percentage points in Q2 2026 to 6.87%, the biggest move on this page. Community National Bank ranks 37th of 85 Kansas banks on CET1 ratio, in the upper half at 15.29% (Q2 2026). At 15.29%, Community National Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.29% |
| Tier 1 risk-based capital ratio | 15.29% |
| Total risk-based capital ratio | 16.24% |
| Tier 1 leverage ratio | 9.66% |
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 | $82.9M |
| Tier 1 capital | $82.9M |
| Total risk-based capital | $88.1M |
| Total equity capital | $58.6M |
| Risk-weighted assets | $542.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.87% |
| Tangible equity to tangible assets | 5.54% |
| Equity capital to average assets | 6.73% |
| Internal capital growth rate | 11.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $31.5M |
| Retained earnings | $62.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$36.3M |
| 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 | 15.78% | 15.78% | 16.71% | 8.81% | $488.8M |
| Q4 2023 | 15.26% | 15.26% | 16.21% | 8.79% | $505.7M |
| Q1 2024 | 15.51% | 15.51% | 16.47% | 8.71% | $499.6M |
| Q2 2024 | 15.13% | 15.13% | 16.11% | 8.60% | $511.8M |
| Q3 2024 | 14.32% | 14.32% | 15.24% | 8.77% | $546.5M |
| Q4 2024 | 14.74% | 14.74% | 15.69% | 9.04% | $538.5M |
| Q1 2025 | 16.09% | 16.09% | 17.15% | 9.46% | $496.1M |
| Q2 2025 | 15.57% | 15.57% | 16.53% | 9.61% | $520.8M |
| Q3 2025 | 16.54% | 16.54% | 17.57% | 9.64% | $493.7M |
| Q4 2025 | 14.10% | 14.10% | 15.01% | 9.38% | $568.0M |
| Q1 2026 | 14.09% | 14.09% | 14.99% | 9.37% | $576.4M |
| Q2 2026 | 15.29% | 15.29% | 16.24% | 9.66% | $542.0M |
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 25665) · FFIEC NIC profile (RSSD 354552)