Four Corners Community 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%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which fell 0.33 percentage points to 8.65%.
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 | 9.62% |
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 | $62.5M |
| Tier 1 capital | $62.5M |
| Total risk-based capital | — |
| Total equity capital | $57.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.65% |
| Tangible equity to tangible assets | 8.65% |
| Equity capital to average assets | 8.83% |
| Internal capital growth rate | 0.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.0M |
| Common stock surplus | $13.5M |
| Retained earnings | $45.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.1M |
| 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 | 11.24% | 7.90% | 7.90% |
| Q4 2023 | 11.27% | 9.13% | 9.13% |
| Q1 2024 | 11.18% | 8.88% | 8.88% |
| Q2 2024 | 11.09% | 8.80% | 8.80% |
| Q3 2024 | 10.68% | 9.35% | 9.35% |
| Q4 2024 | 10.87% | 8.85% | 8.85% |
| Q1 2025 | 10.55% | 8.75% | 8.75% |
| Q2 2025 | 10.48% | 9.16% | 9.16% |
| Q3 2025 | 9.91% | 8.90% | 8.90% |
| Q4 2025 | 9.71% | 8.86% | 8.86% |
| Q1 2026 | 9.80% | 8.99% | 8.99% |
| Q2 2026 | 9.62% | 8.65% | 8.65% |
Four Corners Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Four Corners Community 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 Four Corners Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35441) · FFIEC NIC profile (RSSD 2855866)