Echelon Bank: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
Echelon Bank reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 97.25% in Q3 2026.
What the capital ratios and amounts page covers and where each line comes from.
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 Q3 2026 was in Common equity Tier 1 ratio: 79.06 percentage points lower than in Q2 2026, at 97.25%. As of Q3 2026, Echelon Bank ranks first in Florida on CET1 ratio among 55 banks, at 97.25%. Against a median of 19.96% for banks in the < $100M asset tier, Echelon Bank reported 97.25% on CET1 ratio in Q3 2026, 77.29 points higher.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 97.25% |
| Tier 1 risk-based capital ratio | 97.25% |
| Total risk-based capital ratio | 98.05% |
| Tier 1 leverage ratio | 38.48% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R; Common equity Tier 1 ratio: Call Report Schedule RC-R, Part I (RCOAP793); Tier 1 risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7206); Total risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7205); Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $27.4M |
| Tier 1 capital | $27.4M |
| Total risk-based capital | $27.7M |
| Total equity capital | $27.3M |
| Risk-weighted assets | $28.2M |
Source: Call Report Schedule RC-R; Total equity capital: Call Report Schedule RC, item 27.a (RCON3210). Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 31.24% |
| Tangible equity to tangible assets | 31.23% |
| Equity capital to average assets | 38.32% |
| Internal capital growth rate | -18.98% |
Source: Call Report Schedule RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $15.4M |
| Common stock surplus | $15.5M |
| Retained earnings | -$3.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$125K |
| Subordinated notes and debentures | $0 |
Source: Call Report Schedule RC-R. Open the filed call report for Q3 2026 on the FFIEC CDR.
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q2 2026 | 176.30% | 176.30% | 176.57% | 67.36% | $15.4M |
| Q3 2026 | 97.25% | 97.25% | 98.05% | 38.48% | $28.2M |
Echelon Bank capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. How these pages are built. See the full Echelon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59377) · FFIEC NIC profile (RSSD 6062484)