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 largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.44 percentage points to 11.16%. Within California, Exchange Bank is 20th of 74 on CET1 ratio, 18.98% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Exchange Bank sits 5.50 points higher, at 18.98% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.98% |
| Tier 1 risk-based capital ratio | 18.98% |
| Total risk-based capital ratio | 20.23% |
| Tier 1 leverage ratio | 12.64% |
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 | $413.2M |
| Tier 1 capital | $413.2M |
| Total risk-based capital | $440.5M |
| Total equity capital | $355.4M |
| Risk-weighted assets | $2.18B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.16% |
| Tangible equity to tangible assets | 11.16% |
| Equity capital to average assets | 10.87% |
| Internal capital growth rate | 5.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.3M |
| Common stock surplus | $46.0M |
| Retained earnings | $362.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$57.8M |
| 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 | 17.66% | 17.66% | 18.92% | 10.43% | $2.05B |
| Q4 2023 | 17.58% | 17.58% | 18.84% | 10.52% | $2.09B |
| Q1 2024 | 17.71% | 17.71% | 18.97% | 10.73% | $2.09B |
| Q2 2024 | 17.85% | 17.85% | 19.11% | 10.89% | $2.09B |
| Q3 2024 | 18.17% | 18.17% | 19.43% | 10.90% | $2.07B |
| Q4 2024 | 17.93% | 17.93% | 19.18% | 11.07% | $2.13B |
| Q1 2025 | 18.55% | 18.55% | 19.81% | 11.53% | $2.08B |
| Q2 2025 | 18.58% | 18.58% | 19.83% | 11.67% | $2.10B |
| Q3 2025 | 18.20% | 18.20% | 19.46% | 11.81% | $2.18B |
| Q4 2025 | 18.46% | 18.46% | 19.71% | 11.86% | $2.18B |
| Q1 2026 | 18.70% | 18.70% | 19.95% | 12.34% | $2.18B |
| Q2 2026 | 18.98% | 18.98% | 20.23% | 12.64% | $2.18B |
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 8468) · FFIEC NIC profile (RSSD 507068)