Elevate Bank, N.A.: 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%.
Retained earnings rose 6.2% from Q1 2026 to Q2 2026, ending at $1.9M against $1.8M. It was the largest change among the key lines 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 | 11.17% |
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 | $7.0M |
| Tier 1 capital | $7.0M |
| Total risk-based capital | — |
| Total equity capital | $7.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.56% |
| Tangible equity to tangible assets | 11.52% |
| Equity capital to average assets | 12.16% |
| Internal capital growth rate | 5.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $800K |
| Common stock surplus | $5.0M |
| Retained earnings | $1.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$13K |
| 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 | 10.05% | 11.45% | 9.82% |
| Q4 2023 | 10.89% | 13.31% | 11.64% |
| Q1 2024 | 11.68% | 12.90% | 11.30% |
| Q2 2024 | 11.61% | 12.88% | 11.34% |
| Q3 2024 | 11.67% | 13.89% | 12.38% |
| Q4 2024 | 11.83% | 13.12% | 11.70% |
| Q1 2025 | 12.44% | 13.98% | 12.63% |
| Q2 2025 | 12.54% | 13.78% | 12.48% |
| Q3 2025 | 12.81% | 13.98% | 12.75% |
| Q4 2025 | 11.83% | 12.93% | 11.80% |
| Q1 2026 | 11.09% | 12.03% | 10.98% |
| Q2 2026 | 11.17% | 12.56% | 11.52% |
Elevate Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Elevate Bank, N.A., 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 Elevate Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4770) · FFIEC NIC profile (RSSD 195157)