Country Bank for Savings: 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: Common equity Tier 1 capital edged up 1.7% between Q1 2026 and Q2 2026, to $333.6M.
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 | 14.84% |
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 | $333.6M |
| Tier 1 capital | $333.6M |
| Total risk-based capital | — |
| Total equity capital | $318.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.22% |
| Tangible equity to tangible assets | 14.22% |
| Equity capital to average assets | 14.17% |
| Internal capital growth rate | 6.71% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $333.6M |
| Retained earnings | $0 |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15.4M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 16.17% | 14.41% | 14.41% |
| Q4 2023 | 16.21% | 14.96% | 14.96% |
| Q1 2024 | 16.16% | 14.90% | 14.90% |
| Q2 2024 | 16.00% | 14.59% | 14.59% |
| Q3 2024 | 15.71% | 14.66% | 14.66% |
| Q4 2024 | 15.63% | 14.63% | 14.63% |
| Q1 2025 | 15.60% | 14.26% | 14.26% |
| Q2 2025 | 14.85% | 13.94% | 13.94% |
| Q3 2025 | 14.72% | 13.98% | 13.98% |
| Q4 2025 | 14.77% | 14.12% | 14.12% |
| Q1 2026 | 14.83% | 14.09% | 14.09% |
| Q2 2026 | 14.84% | 14.22% | 14.22% |
Country Bank for Savings regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Country Bank for Savings, 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 Country Bank for Savings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23992) · FFIEC NIC profile (RSSD 689209)