Florida Capital Bank, N.A.: 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: 19.4% lower than in Q1 2026, at -$1.3M. Florida Capital Bank, N.A. ranks 23rd of 56 Florida banks on CET1 ratio, in the upper half at 15.04% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Florida Capital Bank, N.A. reported 15.04% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.04% |
| Tier 1 risk-based capital ratio | 15.04% |
| Total risk-based capital ratio | 16.29% |
| Tier 1 leverage ratio | 9.77% |
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 | $70.9M |
| Tier 1 capital | $70.9M |
| Total risk-based capital | $76.8M |
| Total equity capital | $70.0M |
| Risk-weighted assets | $471.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.81% |
| Tangible equity to tangible assets | 9.81% |
| Equity capital to average assets | 9.63% |
| Internal capital growth rate | 8.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $654K |
| Common stock surplus | $155.8M |
| Retained earnings | -$85.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.3M |
| 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 | 15.43% | 15.43% | 16.69% | 11.03% | $364.3M |
| Q4 2023 | 15.50% | 15.50% | 16.76% | 11.23% | $365.9M |
| Q1 2024 | 15.08% | 15.08% | 16.33% | 10.96% | $385.8M |
| Q2 2024 | 14.49% | 14.49% | 15.74% | 11.05% | $409.4M |
| Q3 2024 | 14.29% | 14.29% | 15.54% | 10.75% | $417.8M |
| Q4 2024 | 14.78% | 14.78% | 16.03% | 10.44% | $411.5M |
| Q1 2025 | 14.76% | 14.76% | 16.01% | 9.25% | $428.4M |
| Q2 2025 | 14.31% | 14.31% | 15.56% | 9.65% | $453.4M |
| Q3 2025 | 14.89% | 14.89% | 16.15% | 10.12% | $446.0M |
| Q4 2025 | 15.16% | 15.16% | 16.41% | 10.10% | $445.4M |
| Q1 2026 | 15.15% | 15.15% | 16.40% | 8.53% | $458.9M |
| Q2 2026 | 15.04% | 15.04% | 16.29% | 9.77% | $471.7M |
Florida Capital Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Florida Capital Bank, N.A., 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 Florida Capital Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26323) · FFIEC NIC profile (RSSD 188430)