Everence Trust Company: 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.
Equity capital to average assets dropped 18.10 percentage points in Q2 2026, from 114.43% to 96.33%. It was the largest change from Q1 2026 among the key lines here. Everence Trust Company has the highest CET1 ratio of the 50 banks headquartered in Indiana, 175.57% as of Q2 2026. Everence Trust Company's CET1 ratio of 175.57% is well above the 19.96% median for banks in the < $100M asset tier, a gap of 155.61 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 175.57% |
| Tier 1 risk-based capital ratio | 175.57% |
| Total risk-based capital ratio | 175.57% |
| Tier 1 leverage ratio | 96.81% |
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 | $14.2M |
| Tier 1 capital | $14.2M |
| Total risk-based capital | $14.2M |
| Total equity capital | $14.2M |
| Risk-weighted assets | $8.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 87.71% |
| Tangible equity to tangible assets | 87.71% |
| Equity capital to average assets | 96.33% |
| Internal capital growth rate | 20.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $423K |
| Common stock surplus | $11.9M |
| Retained earnings | $1.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$71K |
| 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 | 151.77% | 151.77% | 151.77% | 81.87% | $6.0M |
| Q4 2023 | 134.66% | 134.66% | 134.66% | 76.47% | $6.9M |
| Q1 2024 | 133.90% | 133.90% | 133.90% | 67.82% | $7.2M |
| Q2 2024 | 138.45% | 138.45% | 138.45% | 59.77% | $7.3M |
| Q3 2024 | 103.50% | 103.50% | 103.50% | 88.67% | $10.6M |
| Q4 2024 | 211.51% | 211.51% | 211.51% | 75.72% | $5.4M |
| Q1 2025 | 201.88% | 201.88% | 201.88% | 77.64% | $5.7M |
| Q2 2025 | 209.19% | 209.19% | 209.19% | 89.79% | $5.7M |
| Q3 2025 | 208.04% | 208.04% | 208.04% | 103.37% | $6.0M |
| Q4 2025 | 192.98% | 192.98% | 192.98% | 119.35% | $6.6M |
| Q1 2026 | 144.66% | 144.66% | 144.66% | 114.71% | $9.4M |
| Q2 2026 | 175.57% | 175.57% | 175.57% | 96.81% | $8.1M |
Everence Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Everence Trust Company, 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 Everence Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57109) · FFIEC NIC profile (RSSD 3029253)