ConnectOne 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 Accumulated other comprehensive income: 8.4% higher than in Q1 2026, at -$34.8M. ConnectOne Bank ranks 29th of 37 New Jersey banks on CET1 ratio, in the lower half at 12.31% (Q2 2026). ConnectOne Bank reported 12.31% on CET1 ratio for Q2 2026, 0.65 points below the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.31% |
| Tier 1 risk-based capital ratio | 12.31% |
| Total risk-based capital ratio | 13.20% |
| Tier 1 leverage ratio | 10.81% |
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 | $1.51B |
| Tier 1 capital | $1.51B |
| Total risk-based capital | $1.62B |
| Total equity capital | $1.77B |
| Risk-weighted assets | $12.30B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.26% |
| Tangible equity to tangible assets | 10.55% |
| Equity capital to average assets | 12.33% |
| Internal capital growth rate | 5.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $11.1M |
| Common stock surplus | $1.04B |
| Retained earnings | $747.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$34.8M |
| 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 | 12.38% | 12.38% | 13.43% | 11.23% | $8.61B |
| Q4 2023 | 12.31% | 12.31% | 13.28% | 11.20% | $8.73B |
| Q1 2024 | 12.43% | 12.43% | 13.41% | 11.10% | $8.68B |
| Q2 2024 | 12.60% | 12.60% | 13.58% | 11.29% | $8.63B |
| Q3 2024 | 12.79% | 12.79% | 13.77% | 11.43% | $8.59B |
| Q4 2024 | 12.63% | 12.63% | 13.60% | 11.66% | $8.78B |
| Q1 2025 | 12.82% | 12.82% | 13.79% | 11.67% | $8.75B |
| Q2 2025 | 12.22% | 12.22% | 13.24% | 12.81% | $11.43B |
| Q3 2025 | 12.37% | 12.37% | 13.38% | 10.35% | $11.57B |
| Q4 2025 | 12.36% | 12.36% | 13.33% | 10.59% | $11.75B |
| Q1 2026 | 12.35% | 12.35% | 13.33% | 10.81% | $12.04B |
| Q2 2026 | 12.31% | 12.31% | 13.20% | 10.81% | $12.30B |
ConnectOne Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock ConnectOne 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 ConnectOne Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57919) · FFIEC NIC profile (RSSD 3317932)