Cross River 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.
Equity capital to average assets dropped 0.82 percentage points in Q2 2026, from 12.83% to 12.01%. It was the largest change from Q1 2026 among the key lines here.
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 | 11.78% |
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 | $1.01B |
| Tier 1 capital | $1.01B |
| Total risk-based capital | — |
| Total equity capital | $1.03B |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.09% |
| Tangible equity to tangible assets | 12.04% |
| Equity capital to average assets | 12.01% |
| Internal capital growth rate | -2.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $452.4M |
| Retained earnings | $578.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $315K |
| 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 | 13.03% | 12.14% | 12.09% |
| Q4 2023 | 12.66% | 11.65% | 11.60% |
| Q1 2024 | 12.34% | 11.22% | 11.17% |
| Q2 2024 | 11.90% | 11.42% | 11.36% |
| Q3 2024 | 12.28% | 11.86% | 11.80% |
| Q4 2024 | 13.01% | 12.39% | 12.34% |
| Q1 2025 | 12.87% | 12.14% | 12.09% |
| Q2 2025 | 12.84% | 13.19% | 13.13% |
| Q3 2025 | 13.06% | 12.97% | 12.92% |
| Q4 2025 | 13.49% | 13.21% | 13.16% |
| Q1 2026 | 12.82% | 11.89% | 11.84% |
| Q2 2026 | 11.78% | 12.09% | 12.04% |
Cross River Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cross River 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 River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58410) · FFIEC NIC profile (RSSD 3783313)