Garfield 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%.
Equity capital to total assets dropped 0.96 percentage points in Q2 2026, from 15.92% to 14.95%. It was the largest change from Q1 2026 among the key lines here.
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 | 15.82% |
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 | $16.3M |
| Tier 1 capital | $16.3M |
| Total risk-based capital | — |
| Total equity capital | $16.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.95% |
| Tangible equity to tangible assets | 14.95% |
| Equity capital to average assets | 15.63% |
| Internal capital growth rate | 8.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $4.6M |
| Retained earnings | $11.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$195K |
| 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 | 15.88% | 14.96% | 14.96% |
| Q4 2023 | 16.33% | 14.87% | 14.87% |
| Q1 2024 | 15.87% | 15.70% | 15.70% |
| Q2 2024 | 16.86% | 16.19% | 16.19% |
| Q3 2024 | 17.17% | 16.82% | 16.82% |
| Q4 2024 | 16.75% | 15.82% | 15.82% |
| Q1 2025 | 16.58% | 16.23% | 16.23% |
| Q2 2025 | 16.77% | 16.02% | 16.02% |
| Q3 2025 | 17.05% | 16.50% | 16.50% |
| Q4 2025 | 15.86% | 15.20% | 15.20% |
| Q1 2026 | 15.86% | 15.92% | 15.92% |
| Q2 2026 | 15.82% | 14.95% | 14.95% |
Garfield County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Garfield 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 Garfield County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18164) · FFIEC NIC profile (RSSD 608358)