Enterprise 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%.
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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.55 percentage points to 11.19%. Within Nebraska, Enterprise Bank is 37th of 57 on CET1 ratio, 12.78% as of Q2 2026. Enterprise Bank reported 12.78% on CET1 ratio for Q2 2026, 2.30 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.78% |
| Tier 1 risk-based capital ratio | 12.78% |
| Total risk-based capital ratio | 13.90% |
| Tier 1 leverage ratio | 11.15% |
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 | $65.2M |
| Tier 1 capital | $65.2M |
| Total risk-based capital | $70.9M |
| Total equity capital | $64.2M |
| Risk-weighted assets | $510.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.19% |
| Tangible equity to tangible assets | 11.19% |
| Equity capital to average assets | 10.98% |
| Internal capital growth rate | 5.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.9M |
| Common stock surplus | $42.0M |
| Retained earnings | $21.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$975K |
| 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 | 12.03% | 12.03% | 13.11% | 11.55% | $445.0M |
| Q4 2023 | 11.43% | 11.43% | 12.46% | 11.07% | $472.2M |
| Q1 2024 | 11.35% | 11.35% | 12.38% | 10.41% | $476.5M |
| Q2 2024 | 11.30% | 11.30% | 12.34% | 10.80% | $477.3M |
| Q3 2024 | 11.68% | 11.68% | 12.73% | 10.86% | $480.2M |
| Q4 2024 | 11.94% | 11.94% | 13.01% | 10.63% | $475.6M |
| Q1 2025 | 11.86% | 11.86% | 12.94% | 10.90% | $482.9M |
| Q2 2025 | 11.73% | 11.73% | 12.80% | 10.83% | $493.1M |
| Q3 2025 | 12.78% | 12.78% | 13.87% | 11.41% | $490.5M |
| Q4 2025 | 13.21% | 13.21% | 14.33% | 11.11% | $484.4M |
| Q1 2026 | 12.71% | 12.71% | 13.80% | 11.05% | $506.6M |
| Q2 2026 | 12.78% | 12.78% | 13.90% | 11.15% | $510.1M |
Enterprise Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Enterprise 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 Enterprise Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33380) · FFIEC NIC profile (RSSD 1836701)