Gainey Business 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 Common equity Tier 1 capital: 70.0% higher than in Q1 2026, at $13.4M. Gainey Business Bank has the 3rd lowest CET1 ratio of the 8 banks headquartered in Arizona, at 14.67% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; Gainey Business Bank reported 14.67% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.67% |
| Tier 1 risk-based capital ratio | 14.67% |
| Total risk-based capital ratio | 15.92% |
| Tier 1 leverage ratio | 12.89% |
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 | $13.4M |
| Tier 1 capital | $13.4M |
| Total risk-based capital | $14.6M |
| Total equity capital | $13.4M |
| Risk-weighted assets | $91.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.61% |
| Tangible equity to tangible assets | 12.61% |
| Equity capital to average assets | 12.89% |
| Internal capital growth rate | 6.27% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $11.2M |
| Common stock surplus | $13.0M |
| Retained earnings | -$10.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | — | — | — | 42.38% | — |
| Q4 2023 | — | — | — | 28.89% | — |
| Q1 2024 | — | — | — | 26.13% | — |
| Q2 2024 | — | — | — | 26.87% | — |
| Q3 2024 | — | — | — | 24.09% | — |
| Q4 2024 | — | — | — | 19.28% | — |
| Q1 2025 | — | — | — | 16.42% | — |
| Q2 2025 | 13.16% | 13.16% | 14.41% | 12.84% | $64.2M |
| Q3 2025 | — | — | — | 10.68% | — |
| Q4 2025 | 9.33% | 9.33% | 10.58% | 8.37% | $85.5M |
| Q1 2026 | 8.92% | 8.92% | 10.12% | 7.81% | $88.7M |
| Q2 2026 | 14.67% | 14.67% | 15.92% | 12.89% | $91.7M |
Gainey Business Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Gainey Business 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 Gainey Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59273) · FFIEC NIC profile (RSSD 5758445)