Evermore 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%.
The standout move of Q2 2026 was in Risk-weighted assets: 7.5% higher than in Q1 2026, at $269.0M. Within Florida, Evermore Bank is 18th of 56 on CET1 ratio, 15.65% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Evermore Bank sits 0.57 points higher, at 15.65% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.65% |
| Tier 1 risk-based capital ratio | 15.65% |
| Total risk-based capital ratio | 16.83% |
| Tier 1 leverage ratio | 13.52% |
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 | $42.1M |
| Tier 1 capital | $42.1M |
| Total risk-based capital | $45.3M |
| Total equity capital | $42.0M |
| Risk-weighted assets | $269.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.25% |
| Tangible equity to tangible assets | 13.25% |
| Equity capital to average assets | 13.48% |
| Internal capital growth rate | 6.90% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $19.8M |
| Common stock surplus | $23.2M |
| Retained earnings | -$822K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$116K |
| 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 | 37.84% | 37.84% | 38.84% | 31.03% | $68.9M |
| Q4 2023 | 31.12% | 31.12% | 32.07% | 27.70% | $83.1M |
| Q1 2024 | 27.53% | 27.53% | 28.49% | 23.03% | $93.4M |
| Q2 2024 | 23.60% | 23.60% | 24.58% | 17.40% | $109.0M |
| Q3 2024 | 31.61% | 31.61% | 32.62% | 21.50% | $120.3M |
| Q4 2024 | 26.69% | 26.69% | 27.66% | 20.39% | $143.4M |
| Q1 2025 | 22.05% | 22.05% | 23.02% | 18.96% | $174.3M |
| Q2 2025 | 19.49% | 19.49% | 20.53% | 17.05% | $202.2M |
| Q3 2025 | 18.85% | 18.85% | 19.99% | 15.40% | $211.6M |
| Q4 2025 | 18.41% | 18.41% | 19.58% | 14.31% | $219.4M |
| Q1 2026 | 16.49% | 16.49% | 17.65% | 13.50% | $250.1M |
| Q2 2026 | 15.65% | 15.65% | 16.83% | 13.52% | $269.0M |
Evermore Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Evermore 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 Evermore Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59306) · FFIEC NIC profile (RSSD 5692473)