Franklin 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 0.28 percentage points to 9.21%. Within New Jersey, Franklin Bank is 10th of 37 on CET1 ratio, 17.38% as of Q2 2026. Franklin Bank reported 17.38% on CET1 ratio for Q2 2026, 2.29 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.38% |
| Tier 1 risk-based capital ratio | 17.38% |
| Total risk-based capital ratio | 18.26% |
| Tier 1 leverage ratio | 10.28% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $34.6M |
| Tier 1 capital | $34.6M |
| Total risk-based capital | $36.3M |
| Total equity capital | $30.8M |
| Risk-weighted assets | $198.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.21% |
| Tangible equity to tangible assets | 9.21% |
| Equity capital to average assets | 9.15% |
| Internal capital growth rate | 8.88% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $34.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.8M |
| 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 | 17.46% | 17.46% | 18.44% | 9.26% | $168.9M |
| Q4 2023 | 17.32% | 17.32% | 18.29% | 9.67% | $173.6M |
| Q1 2024 | 17.30% | 17.30% | 18.24% | 9.86% | $176.5M |
| Q2 2024 | 17.44% | 17.44% | 18.38% | 9.85% | $178.6M |
| Q3 2024 | 17.51% | 17.51% | 18.46% | 10.18% | $180.6M |
| Q4 2024 | 17.18% | 17.18% | 18.14% | 10.03% | $186.1M |
| Q1 2025 | 17.61% | 17.61% | 18.57% | 9.98% | $183.1M |
| Q2 2025 | 16.98% | 16.98% | 17.95% | 10.04% | $192.0M |
| Q3 2025 | 17.12% | 17.12% | 18.10% | 10.14% | $192.7M |
| Q4 2025 | 17.22% | 17.22% | 18.19% | 10.01% | $194.1M |
| Q1 2026 | 17.39% | 17.39% | 18.35% | 10.11% | $194.9M |
| Q2 2026 | 17.38% | 17.38% | 18.26% | 10.28% | $198.9M |
Franklin Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Franklin 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 Franklin Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30402) · FFIEC NIC profile (RSSD 574079)