Craft 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%.
Retained earnings climbed 11.6% in Q2 2026, from $10.3M to $11.5M. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Craft Bank is 56th of 79 on CET1 ratio, 14.40% as of Q2 2026, below the middle of the field. Craft Bank reported 14.40% on CET1 ratio for Q2 2026, 0.67 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.40% |
| Tier 1 risk-based capital ratio | 14.40% |
| Total risk-based capital ratio | 15.55% |
| Tier 1 leverage ratio | 13.81% |
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 | $42.2M |
| Tier 1 capital | $42.2M |
| Total risk-based capital | $45.6M |
| Total equity capital | $42.0M |
| Risk-weighted assets | $293.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.74% |
| Tangible equity to tangible assets | 13.74% |
| Equity capital to average assets | 13.74% |
| Internal capital growth rate | 11.71% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.6M |
| Common stock surplus | $28.2M |
| Retained earnings | $11.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$218K |
| 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 | 15.80% | 15.80% | 16.85% | 14.82% | $161.0M |
| Q4 2023 | 14.11% | 14.11% | 15.24% | 13.86% | $186.4M |
| Q1 2024 | 13.95% | 13.95% | 15.18% | 12.76% | $194.9M |
| Q2 2024 | 13.30% | 13.30% | 14.52% | 11.87% | $213.4M |
| Q3 2024 | 13.32% | 13.32% | 14.57% | 12.02% | $221.0M |
| Q4 2024 | 13.51% | 13.51% | 14.76% | 12.11% | $225.9M |
| Q1 2025 | 12.85% | 12.85% | 14.00% | 12.42% | $247.3M |
| Q2 2025 | 13.40% | 13.40% | 14.51% | 12.68% | $248.2M |
| Q3 2025 | 13.76% | 13.76% | 14.99% | 12.78% | $250.2M |
| Q4 2025 | 15.52% | 15.52% | 16.71% | 15.05% | $259.1M |
| Q1 2026 | 14.11% | 14.11% | 15.22% | 14.36% | $291.0M |
| Q2 2026 | 14.40% | 14.40% | 15.55% | 13.81% | $293.3M |
Craft Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Craft 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 Craft Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59209) · FFIEC NIC profile (RSSD 5472880)