Crescent 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%.
The standout move of Q2 2026 was in Equity capital to average assets: 1.88 percentage points lower than in Q1 2026, at 14.84%. Within Louisiana, Crescent Bank is 7th of 46 on CET1 ratio, 34.05% as of Q2 2026, above the middle of the field. Crescent Bank's CET1 ratio of 34.05% is well above the 13.48% median for banks in the $1B-10B asset tier, a gap of 20.57 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 34.05% |
| Tier 1 risk-based capital ratio | 34.05% |
| Total risk-based capital ratio | 35.17% |
| Tier 1 leverage ratio | 15.01% |
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 | $154.5M |
| Tier 1 capital | $154.5M |
| Total risk-based capital | $159.6M |
| Total equity capital | $153.5M |
| Risk-weighted assets | $453.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.42% |
| Tangible equity to tangible assets | 14.42% |
| Equity capital to average assets | 14.84% |
| Internal capital growth rate | -15.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $510K |
| Common stock surplus | $92.4M |
| Retained earnings | $67.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.4M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.23% | 14.23% | 15.52% | 12.17% | $1.27B |
| Q4 2023 | 12.26% | 12.26% | 13.58% | 10.57% | $1.24B |
| Q1 2024 | 12.22% | 12.22% | 13.54% | 10.39% | $1.20B |
| Q2 2024 | 12.10% | 12.10% | 13.42% | 10.69% | $1.17B |
| Q3 2024 | 11.18% | 11.18% | 12.53% | 9.66% | $1.10B |
| Q4 2024 | 12.36% | 12.36% | 13.69% | 10.77% | $1.03B |
| Q1 2025 | 12.69% | 12.69% | 14.02% | 10.94% | $954.4M |
| Q2 2025 | 13.98% | 13.98% | 15.31% | 12.42% | $932.8M |
| Q3 2025 | 14.92% | 14.92% | 16.24% | 12.58% | $856.7M |
| Q4 2025 | 15.49% | 15.49% | 16.80% | 13.00% | $849.7M |
| Q1 2026 | 36.55% | 36.55% | 37.19% | 17.29% | $454.9M |
| Q2 2026 | 34.05% | 34.05% | 35.17% | 15.01% | $453.8M |
Crescent Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Crescent 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 Crescent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33492) · FFIEC NIC profile (RSSD 1885932)