Flat Branch 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 rose 0.63 percentage points from Q1 2026 to Q2 2026, ending at 14.39% against 13.76%. It was the largest change among the key lines on this page.
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 | 12.58% |
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 | $11.5M |
| Tier 1 capital | $11.5M |
| Total risk-based capital | — |
| Total equity capital | $13.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.47% |
| Tangible equity to tangible assets | 12.58% |
| Equity capital to average assets | 14.39% |
| Internal capital growth rate | 4.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $144K |
| Common stock surplus | $13.4M |
| Retained earnings | -$99K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$59K |
| 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 | 27.93% | 27.93% | 29.19% | 9.57% | $13.3M |
| Q4 2023 | 29.32% | 29.32% | 30.58% | 10.24% | $12.9M |
| Q1 2024 | 45.47% | 45.47% | 46.46% | 13.99% | $11.5M |
| Q2 2024 | 40.02% | 40.02% | 41.02% | 11.39% | $13.4M |
| Q3 2024 | 31.69% | 31.69% | 32.94% | 8.56% | $17.6M |
| Q4 2024 | 33.98% | 33.98% | 35.23% | 9.26% | $22.5M |
| Q1 2025 | 29.18% | 29.18% | 30.43% | 9.07% | $26.5M |
| Q2 2025 | 23.16% | 23.16% | 24.41% | 8.30% | $31.8M |
| Q3 2025 | 16.43% | 16.43% | 17.46% | 8.10% | $45.1M |
| Q4 2025 | — | — | — | 12.95% | — |
| Q1 2026 | — | — | — | 11.97% | — |
| Q2 2026 | — | — | — | 12.58% | — |
Flat Branch Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Flat Branch 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 Flat Branch Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15751) · FFIEC NIC profile (RSSD 786256)