Connect Community 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.
Common equity Tier 1 capital dropped 10.5% in Q2 2026, from $3.0M to $2.7M. It was the largest change from Q1 2026 among the key lines here. Connect Community Bank has the 2nd lowest CET1 ratio of the 21 banks headquartered in Washington, at 7.66% as of Q2 2026. Connect Community Bank's CET1 ratio of 7.66% is well below the 19.96% median for banks in the < $100M asset tier, a gap of 12.30 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 7.66% |
| Tier 1 risk-based capital ratio | 7.66% |
| Total risk-based capital ratio | 8.91% |
| Tier 1 leverage ratio | 3.61% |
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 | $2.7M |
| Tier 1 capital | $2.7M |
| Total risk-based capital | $3.1M |
| Total equity capital | $2.7M |
| Risk-weighted assets | $34.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 3.66% |
| Tangible equity to tangible assets | 3.66% |
| Equity capital to average assets | 3.61% |
| Internal capital growth rate | -41.96% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $2.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 15.93% | 15.93% | 17.19% | 8.62% | $37.2M |
| Q4 2023 | 15.80% | 15.80% | 17.06% | 8.14% | $36.0M |
| Q1 2024 | 14.69% | 14.69% | 15.94% | 7.58% | $36.9M |
| Q2 2024 | 13.93% | 13.93% | 15.18% | 7.05% | $37.1M |
| Q3 2024 | 13.17% | 13.17% | 14.42% | 6.36% | $35.5M |
| Q4 2024 | 11.91% | 11.91% | 13.17% | 6.31% | $37.0M |
| Q1 2025 | 10.99% | 10.99% | 12.24% | 5.78% | $36.7M |
| Q2 2025 | 10.72% | 10.72% | 11.97% | 5.48% | $35.5M |
| Q3 2025 | 9.80% | 9.80% | 11.05% | 4.97% | $35.9M |
| Q4 2025 | 9.05% | 9.05% | 10.31% | 4.50% | $36.5M |
| Q1 2026 | 8.40% | 8.40% | 9.65% | 3.99% | $35.4M |
| Q2 2026 | 7.66% | 7.66% | 8.91% | 3.61% | $34.8M |
Connect Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Connect Community 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 Connect Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28266) · FFIEC NIC profile (RSSD 768476)