Consumers 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%.
Risk-weighted assets rose 3.7% from Q1 2026 to Q2 2026, ending at $964.2M against $930.0M. It was the largest change among the key lines on this page. On CET1 ratio, Consumers National Bank is 6th from the bottom among 84 Ohio banks, 10.91% (Q2 2026). Consumers National Bank reported 10.91% on CET1 ratio for Q2 2026, 2.57 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.91% |
| Tier 1 risk-based capital ratio | 10.91% |
| Total risk-based capital ratio | 11.93% |
| Tier 1 leverage ratio | 8.35% |
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 | $105.2M |
| Tier 1 capital | $105.2M |
| Total risk-based capital | $115.0M |
| Total equity capital | $89.9M |
| Risk-weighted assets | $964.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.03% |
| Tangible equity to tangible assets | 6.83% |
| Equity capital to average assets | 7.13% |
| Internal capital growth rate | 10.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.4M |
| Common stock surplus | $21.5M |
| Retained earnings | $83.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.9M |
| 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 | 10.99% | 10.99% | 12.02% | 7.79% | $771.8M |
| Q4 2023 | 11.04% | 11.04% | 12.08% | 7.85% | $782.5M |
| Q1 2024 | 11.13% | 11.13% | 12.15% | 7.97% | $790.1M |
| Q2 2024 | 11.07% | 11.07% | 12.07% | 7.98% | $805.5M |
| Q3 2024 | 11.13% | 11.13% | 12.13% | 8.05% | $815.6M |
| Q4 2024 | 11.34% | 11.34% | 12.33% | 8.15% | $816.1M |
| Q1 2025 | 11.38% | 11.38% | 12.38% | 8.33% | $825.0M |
| Q2 2025 | 10.99% | 10.99% | 12.00% | 8.23% | $870.0M |
| Q3 2025 | 11.02% | 11.02% | 12.03% | 8.24% | $891.7M |
| Q4 2025 | 10.94% | 10.94% | 11.94% | 8.28% | $920.7M |
| Q1 2026 | 11.06% | 11.06% | 12.07% | 8.37% | $930.0M |
| Q2 2026 | 10.91% | 10.91% | 11.93% | 8.35% | $964.2M |
Consumers National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Consumers 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 Consumers National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19482) · FFIEC NIC profile (RSSD 477321)