Cullman Savings 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.41 percentage points to 18.26%.
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 | 18.64% |
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 | $85.5M |
| Tier 1 capital | $85.5M |
| Total risk-based capital | — |
| Total equity capital | $83.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 18.26% |
| Tangible equity to tangible assets | 18.26% |
| Equity capital to average assets | 18.18% |
| Internal capital growth rate | 5.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $29.8M |
| Retained earnings | $58.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| 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 | 18.64% | 18.01% | 18.01% |
| Q4 2023 | 19.04% | 18.58% | 18.58% |
| Q1 2024 | 19.08% | 18.40% | 18.40% |
| Q2 2024 | 19.16% | 18.59% | 18.59% |
| Q3 2024 | 18.94% | 18.54% | 18.54% |
| Q4 2024 | 18.50% | 18.15% | 18.15% |
| Q1 2025 | 18.97% | 18.53% | 18.53% |
| Q2 2025 | 19.12% | 18.19% | 18.19% |
| Q3 2025 | 18.96% | 18.67% | 18.67% |
| Q4 2025 | 18.80% | 18.87% | 18.87% |
| Q1 2026 | 18.77% | 17.86% | 17.86% |
| Q2 2026 | 18.64% | 18.26% | 18.26% |
Cullman Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cullman Savings 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 Cullman Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30167) · FFIEC NIC profile (RSSD 934673)