Community Point 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%.
Common stock surplus climbed 17.4% in Q2 2026, from $4.3M to $5.0M. It was the largest change from Q1 2026 among the key lines here. Community Point Bank has the 6th lowest CET1 ratio of the 98 banks headquartered in Missouri, at 9.97% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Community Point Bank sits 5.10 points lower, at 9.97% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.97% |
| Tier 1 risk-based capital ratio | 9.97% |
| Total risk-based capital ratio | 11.19% |
| Tier 1 leverage ratio | 8.20% |
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 | $21.2M |
| Tier 1 capital | $21.2M |
| Total risk-based capital | $23.8M |
| Total equity capital | $19.7M |
| Risk-weighted assets | $212.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.58% |
| Tangible equity to tangible assets | 7.58% |
| Equity capital to average assets | 7.61% |
| Internal capital growth rate | 17.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $5.0M |
| Retained earnings | $15.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 | 12.00% | 12.00% | 13.21% | 9.30% | $132.9M |
| Q4 2023 | 11.12% | 11.12% | 12.31% | 8.95% | $139.6M |
| Q1 2024 | 11.65% | 11.65% | 12.87% | 8.88% | $137.8M |
| Q2 2024 | 11.16% | 11.16% | 12.28% | 8.88% | $149.8M |
| Q3 2024 | 11.80% | 11.80% | 13.03% | 9.09% | $146.8M |
| Q4 2024 | 10.01% | 10.01% | 11.13% | 8.40% | $168.1M |
| Q1 2025 | 10.29% | 10.29% | 11.46% | 8.37% | $171.2M |
| Q2 2025 | 10.39% | 10.39% | 11.55% | 8.63% | $178.7M |
| Q3 2025 | 10.27% | 10.27% | 11.44% | 8.62% | $188.6M |
| Q4 2025 | 9.08% | 9.08% | 10.25% | 7.96% | $202.8M |
| Q1 2026 | 11.46% | 11.46% | 12.62% | 9.47% | $204.9M |
| Q2 2026 | 9.97% | 9.97% | 11.19% | 8.20% | $212.8M |
Community Point Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Point 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 Point Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14604) · FFIEC NIC profile (RSSD 527057)