Community National Bank & Trust: 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%.
Accumulated other comprehensive income rose 7.3% from Q1 2026 to Q2 2026, ending at -$27.1M against -$29.2M. It was the largest change among the key lines on this page. Community National Bank & Trust ranks 61st of 85 Kansas banks on CET1 ratio, in the lower half at 13.04% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Community National Bank & Trust sits 0.44 points lower, at 13.04% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.04% |
| Tier 1 risk-based capital ratio | 13.04% |
| Total risk-based capital ratio | 14.24% |
| Tier 1 leverage ratio | 8.97% |
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 | $227.8M |
| Tier 1 capital | $227.8M |
| Total risk-based capital | $248.8M |
| Total equity capital | $224.9M |
| Risk-weighted assets | $1.75B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.88% |
| Tangible equity to tangible assets | 7.92% |
| Equity capital to average assets | 8.77% |
| Internal capital growth rate | 12.35% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $120.5M |
| Retained earnings | $130.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$27.1M |
| 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 | 12.64% | 12.64% | 13.72% | 8.59% | $1.43B |
| Q4 2023 | 12.23% | 12.23% | 13.29% | 8.67% | $1.50B |
| Q1 2024 | 12.37% | 12.37% | 13.43% | 8.53% | $1.51B |
| Q2 2024 | 12.23% | 12.23% | 13.29% | 8.67% | $1.56B |
| Q3 2024 | 12.27% | 12.27% | 13.32% | 8.60% | $1.58B |
| Q4 2024 | 11.47% | 11.47% | 12.48% | 8.70% | $1.72B |
| Q1 2025 | 12.16% | 12.16% | 13.26% | 8.68% | $1.62B |
| Q2 2025 | 12.21% | 12.21% | 13.37% | 8.45% | $1.58B |
| Q3 2025 | 12.45% | 12.45% | 13.59% | 8.90% | $1.71B |
| Q4 2025 | 12.82% | 12.82% | 14.01% | 8.85% | $1.68B |
| Q1 2026 | 12.43% | 12.43% | 13.59% | 8.87% | $1.78B |
| Q2 2026 | 13.04% | 13.04% | 14.24% | 8.97% | $1.75B |
Community National Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community National Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27046) · FFIEC NIC profile (RSSD 923752)