Exchange 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 Accumulated other comprehensive income: 43.8% higher than in Q1 2026, at -$6.4M.
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 | 11.39% |
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 | $181.4M |
| Tier 1 capital | $181.4M |
| Total risk-based capital | — |
| Total equity capital | $178.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.31% |
| Tangible equity to tangible assets | 11.13% |
| Equity capital to average assets | 11.16% |
| Internal capital growth rate | 22.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $95.2M |
| Retained earnings | $89.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.4M |
| 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 | 9.81% | 8.27% | 8.07% |
| Q4 2023 | 9.98% | 9.62% | 9.42% |
| Q1 2024 | 10.45% | 10.07% | 9.87% |
| Q2 2024 | 10.33% | 9.68% | 9.48% |
| Q3 2024 | 10.16% | 9.74% | 9.54% |
| Q4 2024 | 10.32% | 9.56% | 9.37% |
| Q1 2025 | 10.12% | 9.25% | 9.06% |
| Q2 2025 | 10.32% | 9.33% | 9.14% |
| Q3 2025 | 10.72% | 10.24% | 10.06% |
| Q4 2025 | 11.10% | 10.83% | 10.65% |
| Q1 2026 | 10.77% | 10.52% | 10.34% |
| Q2 2026 | 11.39% | 11.31% | 11.13% |
Exchange Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1435) · FFIEC NIC profile (RSSD 492650)