Fortuna 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 standout move of Q2 2026 was in Equity capital to average assets: 6.85 percentage points lower than in Q1 2026, at 34.06%.
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 | 34.14% |
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 | $17.9M |
| Tier 1 capital | $17.9M |
| Total risk-based capital | — |
| Total equity capital | $17.9M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 31.20% |
| Tangible equity to tangible assets | 31.20% |
| Equity capital to average assets | 34.06% |
| Internal capital growth rate | -9.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $21K |
| Common stock surplus | $20.5M |
| Retained earnings | -$2.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$70K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 7 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 |
|---|---|---|---|
| Q4 2024 | 92.96% | 91.15% | 91.15% |
| Q1 2025 | 62.23% | 52.71% | 52.71% |
| Q2 2025 | 48.33% | 44.60% | 44.60% |
| Q3 2025 | 46.42% | 47.36% | 47.36% |
| Q4 2025 | 45.08% | 44.56% | 44.56% |
| Q1 2026 | 41.17% | 36.82% | 36.82% |
| Q2 2026 | 34.14% | 31.20% | 31.20% |
Fortuna Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Fortuna 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 Fortuna Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59330) · FFIEC NIC profile (RSSD 5837377)