Fidelity Personal Trust Company, F.S.B.: 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.
The standout move of Q2 2026 was in Retained earnings: 23.9% higher than in Q1 2026, at $31.7M.
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 | 101.53% |
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 | $72.3M |
| Tier 1 capital | $72.3M |
| Total risk-based capital | — |
| Total equity capital | $72.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 96.87% |
| Tangible equity to tangible assets | 96.87% |
| Equity capital to average assets | 101.53% |
| Internal capital growth rate | 36.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $40.4M |
| Retained earnings | $31.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 97.66% | 96.44% | 96.44% |
| Q4 2023 | 100.50% | 95.38% | 95.38% |
| Q1 2024 | 98.60% | 96.90% | 96.90% |
| Q2 2024 | 100.50% | 97.14% | 97.14% |
| Q3 2024 | 100.58% | 97.09% | 97.09% |
| Q4 2024 | 71.82% | 95.47% | 95.47% |
| Q1 2025 | 100.34% | 97.08% | 97.08% |
| Q2 2025 | 100.76% | 96.58% | 96.58% |
| Q3 2025 | 100.66% | 96.61% | 96.61% |
| Q4 2025 | 79.86% | 94.35% | 94.35% |
| Q1 2026 | 100.30% | 97.52% | 97.52% |
| Q2 2026 | 101.53% | 96.87% | 96.87% |
Fidelity Personal Trust Company, F.S.B. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Personal Trust Company, F.S.B., 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 Fidelity Personal Trust Company, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35206) · FFIEC NIC profile (RSSD 2914268)