The Eastern Colorado 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 standout move of Q2 2026 was in Common stock surplus: 15.2% higher than in Q1 2026, at $37.9M. Within Colorado, The Eastern Colorado Bank is 22nd of 34 on CET1 ratio, 14.22% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Eastern Colorado Bank sits 0.85 points lower, at 14.22% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.22% |
| Tier 1 risk-based capital ratio | 14.22% |
| Total risk-based capital ratio | 15.36% |
| Tier 1 leverage ratio | 11.31% |
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 | $81.6M |
| Tier 1 capital | $81.6M |
| Total risk-based capital | $88.2M |
| Total equity capital | $81.7M |
| Risk-weighted assets | $574.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.33% |
| Tangible equity to tangible assets | 10.57% |
| Equity capital to average assets | 11.22% |
| Internal capital growth rate | 4.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $261K |
| Common stock surplus | $37.9M |
| Retained earnings | $49.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.1M |
| 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 | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.02% | 13.02% | 14.18% | 10.81% | $514.5M |
| Q4 2023 | 12.88% | 12.88% | 14.03% | 10.67% | $526.8M |
| Q1 2024 | 12.83% | 12.83% | 13.97% | 10.66% | $535.9M |
| Q2 2024 | 12.55% | 12.55% | 13.65% | 10.69% | $553.4M |
| Q3 2024 | 12.43% | 12.43% | 13.51% | 10.60% | $561.7M |
| Q4 2024 | 12.29% | 12.29% | 13.33% | 10.48% | $571.2M |
| Q1 2025 | 12.18% | 12.18% | 13.21% | 10.49% | $581.9M |
| Q2 2025 | 12.42% | 12.42% | 13.48% | 10.39% | $575.2M |
| Q3 2025 | 12.80% | 12.80% | 13.92% | 10.68% | $570.4M |
| Q4 2025 | 12.84% | 12.84% | 13.93% | 10.73% | $582.1M |
| Q1 2026 | 13.19% | 13.19% | 14.32% | 10.71% | $574.9M |
| Q2 2026 | 14.22% | 14.22% | 15.36% | 11.31% | $574.1M |
The Eastern Colorado Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Eastern Colorado 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 Eastern Colorado Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16125) · FFIEC NIC profile (RSSD 775054)