Exchange Bank Co.: 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: 26.8% higher than in Q1 2026, at -$2.9M.
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 | 9.11% |
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 | $31.7M |
| Tier 1 capital | $31.7M |
| Total risk-based capital | — |
| Total equity capital | $32.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.46% |
| Tangible equity to tangible assets | 8.53% |
| Equity capital to average assets | 9.18% |
| Internal capital growth rate | 10.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $13.8M |
| Retained earnings | $21.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.9M |
| 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 | 13.24% | 13.24% | 14.30% | 10.43% | $170.8M |
| Q4 2023 | 13.22% | 13.22% | 14.35% | 10.38% | $173.0M |
| Q1 2024 | 13.38% | 13.38% | 14.46% | 10.26% | $176.5M |
| Q2 2024 | 13.64% | 13.64% | 14.62% | 10.23% | $177.7M |
| Q3 2024 | 13.41% | 13.41% | 14.45% | 10.28% | $181.8M |
| Q4 2024 | 12.86% | 12.86% | 14.08% | 9.62% | $224.0M |
| Q1 2025 | 12.94% | 12.94% | 14.17% | 9.51% | $228.5M |
| Q2 2025 | 12.71% | 12.71% | 13.96% | 9.39% | $233.5M |
| Q3 2025 | 12.65% | 12.65% | 13.90% | 9.54% | $242.2M |
| Q4 2025 | 12.20% | 12.20% | 13.45% | 9.11% | $246.3M |
| Q1 2026 | 12.08% | 12.08% | 13.33% | 8.94% | $255.7M |
| Q2 2026 | — | — | — | 9.11% | — |
Exchange Bank Co. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange Bank Co., 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 Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8274) · FFIEC NIC profile (RSSD 2747466)