County 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 6.7% in Q2 2026 to $5.8M, the biggest move on this page. Within Missouri, County Bank is 63rd of 97 on CET1 ratio, 12.49% as of Q2 2026. County Bank reported 12.49% on CET1 ratio for Q2 2026, 2.59 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.49% |
| Tier 1 risk-based capital ratio | 12.49% |
| Total risk-based capital ratio | 13.74% |
| Tier 1 leverage ratio | 8.29% |
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 | $11.1M |
| Tier 1 capital | $11.1M |
| Total risk-based capital | $12.2M |
| Total equity capital | $11.3M |
| Risk-weighted assets | $88.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.44% |
| Tangible equity to tangible assets | 7.81% |
| Equity capital to average assets | 8.40% |
| Internal capital growth rate | 13.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $6.0M |
| Retained earnings | $5.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$686K |
| 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 | 14.97% | 14.97% | 16.23% | 8.33% | $66.4M |
| Q4 2023 | 15.23% | 15.23% | 16.49% | 8.36% | $65.5M |
| Q1 2024 | 14.55% | 14.55% | 15.80% | 8.07% | $66.6M |
| Q2 2024 | 14.43% | 14.43% | 15.68% | 8.02% | $68.0M |
| Q3 2024 | 14.40% | 14.40% | 15.66% | 8.46% | $70.5M |
| Q4 2024 | 13.77% | 13.77% | 15.02% | 8.27% | $73.6M |
| Q1 2025 | 13.87% | 13.87% | 15.12% | 8.10% | $72.2M |
| Q2 2025 | 13.94% | 13.94% | 15.20% | 8.24% | $72.6M |
| Q3 2025 | 14.16% | 14.16% | 15.42% | 8.43% | $75.4M |
| Q4 2025 | 12.95% | 12.95% | 14.20% | 8.06% | $83.0M |
| Q1 2026 | 12.77% | 12.77% | 14.03% | 7.95% | $83.7M |
| Q2 2026 | 12.49% | 12.49% | 13.74% | 8.29% | $88.5M |
County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock County 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 County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12220) · FFIEC NIC profile (RSSD 1016848)