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%.
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 climbed 0.76 percentage points in Q2 2026, from 8.60% to 9.36%. It was the largest change from Q1 2026 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 | 11.93% |
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 | $50.0M |
| Tier 1 capital | $50.0M |
| Total risk-based capital | — |
| Total equity capital | $39.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.56% |
| Tangible equity to tangible assets | 9.56% |
| Equity capital to average assets | 9.36% |
| Internal capital growth rate | 15.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $16.0M |
| Retained earnings | $33.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.8M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.70% | 9.90% | 9.90% |
| Q4 2023 | 11.95% | 10.11% | 10.11% |
| Q1 2024 | 11.94% | 9.89% | 9.89% |
| Q2 2024 | 12.08% | 10.32% | 10.32% |
| Q3 2024 | 12.23% | 10.57% | 10.57% |
| Q4 2024 | 12.26% | 10.63% | 10.63% |
| Q1 2025 | 12.37% | 10.62% | 10.62% |
| Q2 2025 | 12.38% | 10.84% | 10.84% |
| Q3 2025 | 12.50% | 11.07% | 11.07% |
| Q4 2025 | 12.33% | 10.93% | 10.93% |
| Q1 2026 | 11.02% | 9.15% | 9.15% |
| Q2 2026 | 11.93% | 9.56% | 9.56% |
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 160) · FFIEC NIC profile (RSSD 613839)