Currency 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.
The standout move of Q2 2026 was in Retained earnings: 23.0% higher than in Q1 2026, at $8.8M.
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 | 13.38% |
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 | $32.5M |
| Tier 1 capital | $32.5M |
| Total risk-based capital | — |
| Total equity capital | $39.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.86% |
| Tangible equity to tangible assets | 13.36% |
| Equity capital to average assets | 15.77% |
| Internal capital growth rate | 17.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $500K |
| Common stock surplus | $30.4M |
| Retained earnings | $8.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$243K |
| 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 | 22.09% | 22.09% | 23.30% | 16.86% | $124.8M |
| Q4 2023 | 21.97% | 21.97% | 23.22% | 16.02% | $127.9M |
| Q1 2024 | 22.12% | 22.12% | 23.38% | 15.88% | $129.6M |
| Q2 2024 | 21.99% | 21.99% | 23.25% | 16.27% | $132.6M |
| Q3 2024 | 21.29% | 21.29% | 22.55% | 16.03% | $139.8M |
| Q4 2024 | 22.20% | 22.20% | 23.46% | 15.62% | $136.6M |
| Q1 2025 | 20.14% | 20.14% | 21.40% | 15.88% | $153.1M |
| Q2 2025 | — | — | — | 11.60% | — |
| Q3 2025 | — | — | — | 11.84% | — |
| Q4 2025 | — | — | — | 12.33% | — |
| Q1 2026 | — | — | — | 12.78% | — |
| Q2 2026 | — | — | — | 13.38% | — |
Currency Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Currency 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 Currency Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35019) · FFIEC NIC profile (RSSD 2807173)