Cross 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.
Compared with Q1 2026, Common equity Tier 1 capital rose 3.5% in Q2 2026 to $60.0M, the biggest move on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.45% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $60.0M |
| Tier 1 capital | $60.0M |
| Total risk-based capital | — |
| Total equity capital | $62.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.55% |
| Tangible equity to tangible assets | 10.15% |
| Equity capital to average assets | 10.86% |
| Internal capital growth rate | 12.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $4.9M |
| Retained earnings | $57.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7K |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.70% | 11.78% | 10.91% |
| Q4 2023 | 10.94% | 11.36% | 10.59% |
| Q1 2024 | 11.06% | 11.72% | 10.98% |
| Q2 2024 | 10.64% | 11.09% | 10.43% |
| Q3 2024 | 10.43% | 10.43% | 9.84% |
| Q4 2024 | 9.70% | 9.81% | 9.26% |
| Q1 2025 | 9.62% | 9.75% | 9.23% |
| Q2 2025 | 9.38% | 9.91% | 9.42% |
| Q3 2025 | 9.61% | 10.03% | 9.57% |
| Q4 2025 | 9.80% | 10.34% | 9.89% |
| Q1 2026 | 10.25% | 10.74% | 10.31% |
| Q2 2026 | 10.45% | 10.55% | 10.15% |
Cross Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cross 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 Cross Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13821) · FFIEC NIC profile (RSSD 989347)