Equitable 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.
Risk-weighted assets rose 2.7% from Q1 2026 to Q2 2026, ending at $424.6M against $413.4M. It was the largest change among the key lines on this page. Equitable Bank ranks 38th of 57 Nebraska banks on CET1 ratio, in the lower half at 12.77% (Q2 2026). Equitable Bank reported 12.77% on CET1 ratio for Q2 2026, 2.31 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 | 12.77% |
| Tier 1 risk-based capital ratio | 12.77% |
| Total risk-based capital ratio | 14.03% |
| Tier 1 leverage ratio | 10.45% |
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 | $54.2M |
| Tier 1 capital | $54.2M |
| Total risk-based capital | $59.6M |
| Total equity capital | $54.9M |
| Risk-weighted assets | $424.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.49% |
| Tangible equity to tangible assets | 10.37% |
| Equity capital to average assets | 10.57% |
| Internal capital growth rate | 4.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $17.1M |
| Retained earnings | $38.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$59K |
| 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 | 11.63% | 11.63% | 12.89% | 9.31% | $390.1M |
| Q4 2023 | 11.26% | 11.26% | 12.51% | 9.21% | $401.7M |
| Q1 2024 | 11.28% | 11.28% | 12.53% | 9.06% | $404.7M |
| Q2 2024 | 11.25% | 11.25% | 12.51% | 9.21% | $413.8M |
| Q3 2024 | 11.51% | 11.51% | 12.76% | 9.40% | $410.8M |
| Q4 2024 | 11.59% | 11.59% | 12.84% | 9.52% | $416.9M |
| Q1 2025 | 11.92% | 11.92% | 13.17% | 9.45% | $408.1M |
| Q2 2025 | 12.17% | 12.17% | 13.42% | 9.69% | $415.0M |
| Q3 2025 | 12.52% | 12.52% | 13.77% | 10.07% | $408.0M |
| Q4 2025 | 12.57% | 12.57% | 13.82% | 10.23% | $415.9M |
| Q1 2026 | 12.95% | 12.95% | 14.20% | 10.28% | $413.4M |
| Q2 2026 | 12.77% | 12.77% | 14.03% | 10.45% | $424.6M |
Equitable Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Equitable 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 Equitable Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31485) · FFIEC NIC profile (RSSD 81175)