Flatirons 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.
Compared with Q1 2026, Retained earnings rose 4.6% in Q2 2026 to $20.1M, the biggest move on this page. Within Colorado, Flatirons Bank is 25th of 34 on CET1 ratio, 12.87% as of Q2 2026. Flatirons Bank reported 12.87% on CET1 ratio for Q2 2026, 2.21 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.87% |
| Tier 1 risk-based capital ratio | 12.87% |
| Total risk-based capital ratio | 14.12% |
| Tier 1 leverage ratio | 8.88% |
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 | $33.0M |
| Tier 1 capital | $33.0M |
| Total risk-based capital | $36.2M |
| Total equity capital | $28.8M |
| Risk-weighted assets | $256.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.77% |
| Tangible equity to tangible assets | 7.77% |
| Equity capital to average assets | 7.74% |
| Internal capital growth rate | 12.60% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.4M |
| Common stock surplus | $10.5M |
| Retained earnings | $20.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.2M |
| 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 | 11.60% | 11.60% | 12.85% | 8.60% | $235.7M |
| Q4 2023 | 10.96% | 10.96% | 12.21% | 8.64% | $252.1M |
| Q1 2024 | 11.07% | 11.07% | 12.32% | 8.53% | $252.1M |
| Q2 2024 | 10.64% | 10.64% | 11.89% | 8.42% | $265.0M |
| Q3 2024 | 11.05% | 11.05% | 12.30% | 8.45% | $262.2M |
| Q4 2024 | 11.01% | 11.01% | 12.26% | 8.24% | $262.8M |
| Q1 2025 | 11.53% | 11.53% | 12.78% | 8.28% | $255.8M |
| Q2 2025 | 11.80% | 11.80% | 13.05% | 8.43% | $253.4M |
| Q3 2025 | 12.89% | 12.89% | 14.14% | 8.63% | $238.2M |
| Q4 2025 | 13.25% | 13.25% | 14.50% | 8.80% | $237.5M |
| Q1 2026 | 13.10% | 13.10% | 14.35% | 9.04% | $245.3M |
| Q2 2026 | 12.87% | 12.87% | 14.12% | 8.88% | $256.5M |
Flatirons Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Flatirons 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 Flatirons Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57280) · FFIEC NIC profile (RSSD 3022610)