Cornerstone Capital Bank, SSB: 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%.
Equity capital to average assets dropped 3.14 percentage points in Q2 2026, from 14.08% to 10.94%. It was the largest change from Q1 2026 among the key lines here.
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 | 10.26% |
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 | $330.6M |
| Tier 1 capital | $363.7M |
| Total risk-based capital | — |
| Total equity capital | $395.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.78% |
| Tangible equity to tangible assets | 9.46% |
| Equity capital to average assets | 10.94% |
| Internal capital growth rate | 1.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $191K |
| Common stock surplus | $149.6M |
| Retained earnings | $247.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 20.14% | 22.02% | 22.36% | 13.29% | $1.25B |
| Q4 2023 | 26.67% | 28.97% | 29.36% | 15.01% | $1.17B |
| Q1 2024 | 24.35% | 26.48% | 26.94% | 14.96% | $1.17B |
| Q2 2024 | 26.85% | 29.13% | 29.64% | 15.69% | $1.14B |
| Q3 2024 | 26.08% | 28.34% | 28.93% | 14.24% | $1.20B |
| Q4 2024 | 24.08% | 26.38% | 26.97% | 13.36% | $1.28B |
| Q1 2025 | 24.17% | 26.34% | 26.97% | 14.61% | $1.28B |
| Q2 2025 | 21.97% | 23.90% | 24.50% | 14.23% | $1.43B |
| Q3 2025 | 22.40% | 24.41% | 25.02% | 15.12% | $1.44B |
| Q4 2025 | 19.25% | 21.18% | 21.76% | 15.08% | $1.65B |
| Q1 2026 | 14.57% | 16.03% | 16.73% | 13.79% | $2.38B |
| Q2 2026 | — | — | — | 10.26% | — |
Cornerstone Capital Bank, SSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cornerstone Capital Bank, SSB, 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 Capital Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1213) · FFIEC NIC profile (RSSD 2891622)