County National 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%.
Accumulated other comprehensive income climbed 19.9% in Q2 2026, from -$2.4M to -$2.0M. It was the largest change from Q1 2026 among the key lines here. County National Bank has the 5th lowest CET1 ratio of the 43 banks headquartered in Michigan, at 11.01% as of Q2 2026. County National Bank reported 11.01% on CET1 ratio for Q2 2026, 2.47 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.01% |
| Tier 1 risk-based capital ratio | 11.01% |
| Total risk-based capital ratio | 12.16% |
| Tier 1 leverage ratio | 9.34% |
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 | $125.2M |
| Tier 1 capital | $125.2M |
| Total risk-based capital | $138.3M |
| Total equity capital | $125.8M |
| Risk-weighted assets | $1.14B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.22% |
| Tangible equity to tangible assets | 9.05% |
| Equity capital to average assets | 9.37% |
| Internal capital growth rate | 6.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.3M |
| Common stock surplus | $26.8M |
| Retained earnings | $95.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.0M |
| 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 | 10.65% | 10.65% | 11.91% | 8.15% | $918.1M |
| Q4 2023 | 10.49% | 10.49% | 11.74% | 8.31% | $943.3M |
| Q1 2024 | 10.54% | 10.54% | 11.79% | 8.06% | $956.8M |
| Q2 2024 | 10.31% | 10.31% | 11.56% | 8.32% | $999.0M |
| Q3 2024 | 10.26% | 10.26% | 11.51% | 8.47% | $1.03B |
| Q4 2024 | 10.38% | 10.38% | 11.63% | 8.55% | $1.03B |
| Q1 2025 | 10.51% | 10.51% | 11.76% | 8.40% | $1.03B |
| Q2 2025 | 10.58% | 10.58% | 11.83% | 8.65% | $1.04B |
| Q3 2025 | 10.91% | 10.91% | 12.14% | 8.95% | $1.07B |
| Q4 2025 | 11.07% | 11.07% | 12.21% | 9.19% | $1.10B |
| Q1 2026 | 11.18% | 11.18% | 12.35% | 9.19% | $1.10B |
| Q2 2026 | 11.01% | 11.01% | 12.16% | 9.34% | $1.14B |
County National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock County National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14073) · FFIEC NIC profile (RSSD 682143)