Continental 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.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 6.2% to $15.5M. Continental Bank ranks 8th of 28 Utah banks on CET1 ratio, in the upper half at 19.47% (Q2 2026). Continental Bank reported 19.47% on CET1 ratio for Q2 2026, 4.39 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.47% |
| Tier 1 risk-based capital ratio | 19.47% |
| Total risk-based capital ratio | 20.72% |
| Tier 1 leverage ratio | 16.16% |
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 | $29.4M |
| Tier 1 capital | $29.4M |
| Total risk-based capital | $31.3M |
| Total equity capital | $29.5M |
| Risk-weighted assets | $151.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.21% |
| Tangible equity to tangible assets | 16.21% |
| Equity capital to average assets | 16.18% |
| Internal capital growth rate | 12.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $737K |
| Common stock surplus | $13.2M |
| Retained earnings | $15.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $33K |
| 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 | 17.54% | 17.54% | 18.81% | 16.67% | $172.0M |
| Q4 2023 | 15.58% | 15.58% | 16.85% | 14.03% | $169.5M |
| Q1 2024 | 16.29% | 16.29% | 17.56% | 15.32% | $163.2M |
| Q2 2024 | 16.73% | 16.73% | 17.99% | 16.20% | $161.8M |
| Q3 2024 | 17.48% | 17.48% | 18.75% | 15.88% | $156.9M |
| Q4 2024 | 15.35% | 15.35% | 16.60% | 14.33% | $177.3M |
| Q1 2025 | 15.86% | 15.86% | 17.12% | 14.80% | $170.8M |
| Q2 2025 | 16.05% | 16.05% | 17.31% | 13.94% | $170.5M |
| Q3 2025 | 17.39% | 17.39% | 18.65% | 14.32% | $158.4M |
| Q4 2025 | 18.01% | 18.01% | 19.26% | 14.56% | $153.3M |
| Q1 2026 | 18.83% | 18.83% | 20.09% | 15.56% | $151.4M |
| Q2 2026 | 19.47% | 19.47% | 20.72% | 16.16% | $151.2M |
Continental Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Continental 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 Continental Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57571) · FFIEC NIC profile (RSSD 3220863)