The Dart 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%.
Accumulated other comprehensive income climbed 8.4% in Q2 2026, from -$2.1M to -$1.9M. It was the largest change from Q1 2026 among the key lines here. Within Michigan, The Dart Bank is 37th of 43 on CET1 ratio, 11.15% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. The Dart Bank sits 2.33 points lower, at 11.15% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.15% |
| Tier 1 risk-based capital ratio | 11.15% |
| Total risk-based capital ratio | 12.40% |
| Tier 1 leverage ratio | 8.65% |
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 | $117.6M |
| Tier 1 capital | $117.6M |
| Total risk-based capital | $130.8M |
| Total equity capital | $118.8M |
| Risk-weighted assets | $1.05B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.07% |
| Tangible equity to tangible assets | 7.88% |
| Equity capital to average assets | 8.71% |
| Internal capital growth rate | 7.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $72.5M |
| Retained earnings | $45.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| 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 | — | — | — | 9.12% | — |
| Q4 2023 | — | — | — | 8.59% | — |
| Q1 2024 | — | — | — | 8.19% | — |
| Q2 2024 | 10.20% | 10.20% | 11.46% | 8.36% | $996.5M |
| Q3 2024 | 10.68% | 10.68% | 11.94% | 8.40% | $989.0M |
| Q4 2024 | 10.64% | 10.64% | 11.89% | 8.30% | $1.00B |
| Q1 2025 | 10.53% | 10.53% | 11.78% | 8.27% | $1.01B |
| Q2 2025 | 10.40% | 10.40% | 11.65% | 8.32% | $1.05B |
| Q3 2025 | 11.00% | 11.00% | 12.26% | 8.36% | $1.04B |
| Q4 2025 | 11.03% | 11.03% | 12.13% | 8.60% | $1.05B |
| Q1 2026 | 11.20% | 11.20% | 12.45% | 8.75% | $1.03B |
| Q2 2026 | 11.15% | 11.15% | 12.40% | 8.65% | $1.05B |
The Dart Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Dart 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 Dart Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5033) · FFIEC NIC profile (RSSD 47247)