Foresight 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 total assets rose 0.38 percentage points from Q1 2026 to Q2 2026, ending at 9.93% against 9.55%. 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 | 11.27% |
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 | $193.2M |
| Tier 1 capital | $193.2M |
| Total risk-based capital | — |
| Total equity capital | $169.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.93% |
| Tangible equity to tangible assets | 9.93% |
| Equity capital to average assets | 9.91% |
| Internal capital growth rate | 8.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $51.3M |
| Retained earnings | $141.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$23.3M |
| 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 | — | — | — | 8.89% | — |
| Q4 2023 | — | — | — | 9.37% | — |
| Q1 2024 | — | — | — | 9.45% | — |
| Q2 2024 | — | — | — | 9.49% | — |
| Q3 2024 | — | — | — | 9.61% | — |
| Q4 2024 | — | — | — | 9.65% | — |
| Q1 2025 | — | — | — | 9.88% | — |
| Q2 2025 | — | — | — | 10.62% | — |
| Q3 2025 | 13.58% | 13.58% | 14.54% | 11.31% | $1.36B |
| Q4 2025 | 13.48% | 13.48% | 14.44% | 11.02% | $1.38B |
| Q1 2026 | — | — | — | 11.26% | — |
| Q2 2026 | — | — | — | 11.27% | — |
Foresight Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Foresight 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 Foresight Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5749) · FFIEC NIC profile (RSSD 556936)