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.
Total equity capital rose 3.2% from Q1 2026 to Q2 2026, ending at $99.8M against $96.7M. It was the largest change among the key lines on this page. Within Delaware, County Bank is 7th of 13 on CET1 ratio, 18.96% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. County Bank sits 3.88 points higher, at 18.96% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.96% |
| Tier 1 risk-based capital ratio | 18.96% |
| Total risk-based capital ratio | 19.83% |
| Tier 1 leverage ratio | 15.41% |
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 | $107.8M |
| Tier 1 capital | $107.8M |
| Total risk-based capital | $112.7M |
| Total equity capital | $99.8M |
| Risk-weighted assets | $568.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.33% |
| Tangible equity to tangible assets | 14.33% |
| Equity capital to average assets | 14.27% |
| Internal capital growth rate | 11.26% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.4M |
| Common stock surplus | $8.2M |
| Retained earnings | $97.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.0M |
| 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 | 14.32% | 14.32% | 15.19% | 11.49% | $475.3M |
| Q4 2023 | 14.68% | 14.68% | 15.55% | 12.11% | $478.0M |
| Q1 2024 | 14.97% | 14.97% | 15.84% | 12.24% | $481.2M |
| Q2 2024 | 15.58% | 15.58% | 16.44% | 12.50% | $476.6M |
| Q3 2024 | 16.21% | 16.21% | 17.12% | 12.38% | $474.4M |
| Q4 2024 | 16.21% | 16.21% | 17.07% | 12.90% | $495.3M |
| Q1 2025 | 16.16% | 16.16% | 17.01% | 13.13% | $517.4M |
| Q2 2025 | 17.10% | 17.10% | 17.94% | 13.57% | $516.9M |
| Q3 2025 | 17.53% | 17.53% | 18.36% | 14.12% | $536.0M |
| Q4 2025 | 18.66% | 18.66% | 19.53% | 14.86% | $536.7M |
| Q1 2026 | 18.94% | 18.94% | 19.78% | 15.36% | $554.5M |
| Q2 2026 | 18.96% | 18.96% | 19.83% | 15.41% | $568.3M |
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 33009) · FFIEC NIC profile (RSSD 1459735)