Eaton Community 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%.
Compared with Q1 2026, Accumulated other comprehensive income rose 6.2% in Q2 2026 to -$3.1M, the biggest move on this page.
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 | 12.89% |
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 | $69.2M |
| Tier 1 capital | $69.2M |
| Total risk-based capital | — |
| Total equity capital | $66.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.18% |
| Tangible equity to tangible assets | 12.17% |
| Equity capital to average assets | 12.32% |
| Internal capital growth rate | 7.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $0 |
| Retained earnings | $69.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.1M |
| 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 | 14.23% | 11.44% | 11.37% |
| Q4 2023 | 14.58% | 12.56% | 12.50% |
| Q1 2024 | 14.38% | 12.35% | 12.30% |
| Q2 2024 | 13.83% | 12.02% | 11.98% |
| Q3 2024 | 13.93% | 12.66% | 12.62% |
| Q4 2024 | 13.90% | 12.50% | 12.47% |
| Q1 2025 | 13.60% | 12.22% | 12.19% |
| Q2 2025 | 13.82% | 12.47% | 12.45% |
| Q3 2025 | 13.77% | 12.80% | 12.78% |
| Q4 2025 | 13.09% | 12.30% | 12.28% |
| Q1 2026 | 12.77% | 12.13% | 12.11% |
| Q2 2026 | 12.89% | 12.18% | 12.17% |
Eaton Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Eaton Community 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 Eaton Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29846) · FFIEC NIC profile (RSSD 980773)