The Conway 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%.
Accumulated other comprehensive income dropped 27.1% in Q2 2026, from -$4.1M to -$5.3M. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, The Conway National Bank is 11th of 30 on CET1 ratio, 19.18% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. The Conway National Bank sits 5.70 points higher, at 19.18% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.18% |
| Tier 1 risk-based capital ratio | 19.18% |
| Total risk-based capital ratio | 20.12% |
| Tier 1 leverage ratio | 10.23% |
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 | $200.2M |
| Tier 1 capital | $200.2M |
| Total risk-based capital | $210.0M |
| Total equity capital | $194.9M |
| Risk-weighted assets | $1.04B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.76% |
| Tangible equity to tangible assets | 9.76% |
| Equity capital to average assets | 9.96% |
| Internal capital growth rate | 15.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.9M |
| Common stock surplus | $1.9M |
| Retained earnings | $196.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.3M |
| 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 | 18.34% | 18.34% | 19.21% | 9.35% | $927.1M |
| Q4 2023 | 17.50% | 17.50% | 18.42% | 9.10% | $942.3M |
| Q1 2024 | 17.93% | 17.93% | 18.78% | 9.57% | $944.3M |
| Q2 2024 | 17.90% | 17.90% | 18.80% | 9.78% | $967.0M |
| Q3 2024 | 18.29% | 18.29% | 19.18% | 9.73% | $974.5M |
| Q4 2024 | 18.01% | 18.01% | 18.91% | 9.51% | $968.2M |
| Q1 2025 | 18.11% | 18.11% | 18.99% | 9.83% | $989.2M |
| Q2 2025 | 18.27% | 18.27% | 19.17% | 9.87% | $1.01B |
| Q3 2025 | 19.00% | 19.00% | 19.93% | 9.97% | $1.01B |
| Q4 2025 | 18.47% | 18.47% | 19.41% | 9.64% | $1.01B |
| Q1 2026 | 18.80% | 18.80% | 19.74% | 10.04% | $1.03B |
| Q2 2026 | 19.18% | 19.18% | 20.12% | 10.23% | $1.04B |
The Conway National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Conway 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 The Conway National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2102) · FFIEC NIC profile (RSSD 631422)