The Croghan Colonial 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 Accumulated other comprehensive income: 12.1% higher than in Q1 2026, at -$19.2M. The Croghan Colonial Bank ranks 63rd of 84 Ohio banks on CET1 ratio, in the lower half at 12.34% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. The Croghan Colonial Bank sits 1.14 points lower, at 12.34% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.34% |
| Tier 1 risk-based capital ratio | 12.34% |
| Total risk-based capital ratio | 13.25% |
| Tier 1 leverage ratio | 10.13% |
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 | $138.6M |
| Tier 1 capital | $138.6M |
| Total risk-based capital | $148.9M |
| Total equity capital | $141.9M |
| Risk-weighted assets | $1.12B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.03% |
| Tangible equity to tangible assets | 8.58% |
| Equity capital to average assets | 10.20% |
| Internal capital growth rate | 9.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $75.9M |
| Retained earnings | $83.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19.2M |
| 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 | 13.60% | 13.60% | 14.60% | 11.20% | $899.4M |
| Q4 2023 | 13.74% | 13.74% | 14.73% | 11.53% | $905.0M |
| Q1 2024 | 14.29% | 14.29% | 15.30% | 11.75% | $889.9M |
| Q2 2024 | 13.92% | 13.92% | 14.90% | 11.77% | $918.6M |
| Q3 2024 | 14.02% | 14.02% | 14.99% | 11.30% | $920.3M |
| Q4 2024 | 13.78% | 13.78% | 14.72% | 11.32% | $937.1M |
| Q1 2025 | 13.96% | 13.96% | 14.92% | 11.13% | $928.2M |
| Q2 2025 | 13.82% | 13.82% | 14.76% | 11.16% | $946.9M |
| Q3 2025 | 13.52% | 13.52% | 14.43% | 10.95% | $978.6M |
| Q4 2025 | 12.56% | 12.56% | 13.45% | 10.53% | $1.06B |
| Q1 2026 | 12.36% | 12.36% | 13.27% | 10.28% | $1.10B |
| Q2 2026 | 12.34% | 12.34% | 13.25% | 10.13% | $1.12B |
The Croghan Colonial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Croghan Colonial 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 The Croghan Colonial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13341) · FFIEC NIC profile (RSSD 362717)