The Four County 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 standout move of Q2 2026 was in Retained earnings: 12.7% higher than in Q1 2026, at $4.1M.
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 | 13.83% |
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 | $12.4M |
| Tier 1 capital | $12.4M |
| Total risk-based capital | — |
| Total equity capital | $11.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.95% |
| Tangible equity to tangible assets | 12.95% |
| Equity capital to average assets | 12.62% |
| Internal capital growth rate | 17.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $8.1M |
| Retained earnings | $4.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.1M |
| 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 | 12.90% | 10.33% | 10.33% |
| Q4 2023 | 13.41% | 11.87% | 11.87% |
| Q1 2024 | 12.90% | 10.97% | 10.97% |
| Q2 2024 | 13.26% | 11.25% | 11.25% |
| Q3 2024 | 13.43% | 12.04% | 12.04% |
| Q4 2024 | 13.33% | 11.75% | 11.75% |
| Q1 2025 | 12.57% | 11.20% | 11.20% |
| Q2 2025 | 13.29% | 11.94% | 11.94% |
| Q3 2025 | 13.53% | 12.34% | 12.34% |
| Q4 2025 | 13.83% | 12.77% | 12.77% |
| Q1 2026 | 12.98% | 12.07% | 12.07% |
| Q2 2026 | 13.83% | 12.95% | 12.95% |
The Four County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Four County 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 The Four County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15904) · FFIEC NIC profile (RSSD 7634)