Cornerstone 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.
Compared with Q1 2026, Retained earnings rose 5.2% in Q2 2026 to $94.7M, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.88% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $267.2M |
| Tier 1 capital | $267.2M |
| Total risk-based capital | — |
| Total equity capital | $249.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.15% |
| Tangible equity to tangible assets | 8.90% |
| Equity capital to average assets | 9.21% |
| Internal capital growth rate | 7.58% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $177.0M |
| Retained earnings | $94.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$24.9M |
| 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 | 10.69% | 10.69% | 11.68% | 8.69% | $2.06B |
| Q4 2023 | 10.24% | 10.24% | 11.22% | 8.51% | $2.18B |
| Q1 2024 | 10.39% | 10.39% | 11.40% | 8.54% | $2.19B |
| Q2 2024 | 10.07% | 10.07% | 11.07% | 8.45% | $2.30B |
| Q3 2024 | 10.24% | 10.24% | 11.27% | 8.41% | $2.30B |
| Q4 2024 | 10.16% | 10.16% | 11.16% | 8.46% | $2.33B |
| Q1 2025 | 10.39% | 10.39% | 11.45% | 8.61% | $2.32B |
| Q2 2025 | 10.73% | 10.73% | 11.75% | 8.85% | $2.30B |
| Q3 2025 | — | — | — | 9.05% | — |
| Q4 2025 | — | — | — | 9.39% | — |
| Q1 2026 | — | — | — | 9.72% | — |
| Q2 2026 | — | — | — | 9.88% | — |
Cornerstone Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cornerstone 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 Cornerstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5496) · FFIEC NIC profile (RSSD 403151)