The 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%.
The biggest quarter-over-quarter change on this page was a small one: Retained earnings edged up 2.4% between Q1 2026 and Q2 2026, to $24.8M.
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 | 12.18% |
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 | $25.8M |
| Tier 1 capital | $25.8M |
| Total risk-based capital | — |
| Total equity capital | $25.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.95% |
| Tangible equity to tangible assets | 11.95% |
| Equity capital to average assets | 11.95% |
| Internal capital growth rate | 9.48% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $900K |
| Retained earnings | $24.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$478K |
| 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 | 18.83% | 18.83% | 20.09% | 12.63% | $118.3M |
| Q4 2023 | 18.38% | 18.38% | 19.64% | 12.44% | $121.5M |
| Q1 2024 | 18.57% | 18.57% | 19.82% | 12.55% | $122.9M |
| Q2 2024 | 18.37% | 18.37% | 19.63% | 12.14% | $124.4M |
| Q3 2024 | 18.77% | 18.77% | 20.03% | 12.30% | $125.1M |
| Q4 2024 | 18.74% | 18.74% | 20.00% | 12.17% | $124.9M |
| Q1 2025 | 19.25% | 19.25% | 20.51% | 12.60% | $124.8M |
| Q2 2025 | — | — | — | 12.52% | — |
| Q3 2025 | 18.70% | 18.70% | 19.96% | 12.41% | $132.1M |
| Q4 2025 | — | — | — | 12.25% | — |
| Q1 2026 | — | — | — | 12.27% | — |
| Q2 2026 | — | — | — | 12.18% | — |
The Cornerstone Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Cornerstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9388) · FFIEC NIC profile (RSSD 312356)