Evertrust 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.
In Q2 2026, Retained earnings edged up by 2.0%, from $144.2M to $147.0M, the largest move among the key lines here.
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 | 21.71% |
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 | $227.7M |
| Tier 1 capital | $227.7M |
| Total risk-based capital | — |
| Total equity capital | $261.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 23.25% |
| Tangible equity to tangible assets | 20.59% |
| Equity capital to average assets | 24.08% |
| Internal capital growth rate | 4.37% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $118.4M |
| Common stock surplus | $0 |
| Retained earnings | $147.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.7M |
| 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 | 22.63% | 25.35% | 22.03% |
| Q4 2023 | 22.48% | 25.34% | 21.95% |
| Q1 2024 | 22.27% | 24.16% | 20.92% |
| Q2 2024 | 22.43% | 25.39% | 22.08% |
| Q3 2024 | 22.98% | 25.88% | 22.61% |
| Q4 2024 | 23.84% | 25.46% | 22.36% |
| Q1 2025 | 23.43% | 25.41% | 22.37% |
| Q2 2025 | 23.23% | 24.65% | 21.72% |
| Q3 2025 | 22.07% | 23.19% | 20.44% |
| Q4 2025 | 21.45% | 23.13% | 20.42% |
| Q1 2026 | 21.57% | 23.23% | 20.54% |
| Q2 2026 | 21.71% | 23.25% | 20.59% |
Evertrust Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Evertrust 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 Evertrust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34010) · FFIEC NIC profile (RSSD 2297998)