Focus 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.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.62 percentage points to 12.12%.
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 | 12.61% |
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 | $108.5M |
| Tier 1 capital | $108.5M |
| Total risk-based capital | — |
| Total equity capital | $103.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.12% |
| Tangible equity to tangible assets | 12.09% |
| Equity capital to average assets | 12.03% |
| Internal capital growth rate | 7.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $45.6M |
| Retained earnings | $62.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.2M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.18% | 10.79% | 10.76% |
| Q4 2023 | 12.31% | 11.33% | 11.30% |
| Q1 2024 | 12.24% | 11.17% | 11.14% |
| Q2 2024 | 12.40% | 11.31% | 11.28% |
| Q3 2024 | 12.04% | 11.35% | 11.32% |
| Q4 2024 | 12.09% | 11.46% | 11.43% |
| Q1 2025 | 12.19% | 11.37% | 11.34% |
| Q2 2025 | 12.24% | 11.46% | 11.43% |
| Q3 2025 | 12.26% | 11.70% | 11.67% |
| Q4 2025 | 12.34% | 11.74% | 11.71% |
| Q1 2026 | 12.01% | 11.50% | 11.47% |
| Q2 2026 | 12.61% | 12.12% | 12.09% |
Focus Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Focus 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 Focus Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1426) · FFIEC NIC profile (RSSD 498148)