Gate City 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.
Total equity capital rose 2.6% from Q1 2026 to Q2 2026, ending at $373.7M against $364.2M. It was the largest change among the key lines on this page.
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 | 9.85% |
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 | $395.1M |
| Tier 1 capital | $395.1M |
| Total risk-based capital | — |
| Total equity capital | $373.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.24% |
| Tangible equity to tangible assets | 9.24% |
| Equity capital to average assets | 9.31% |
| Internal capital growth rate | 9.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $395.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21.4M |
| 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 | 9.66% | 8.62% | 8.62% |
| Q4 2023 | 9.68% | 8.92% | 8.92% |
| Q1 2024 | 9.77% | 8.84% | 8.84% |
| Q2 2024 | 9.66% | 8.82% | 8.82% |
| Q3 2024 | 9.58% | 8.87% | 8.87% |
| Q4 2024 | 9.49% | 8.60% | 8.60% |
| Q1 2025 | 9.51% | 8.73% | 8.73% |
| Q2 2025 | 9.65% | 9.06% | 9.06% |
| Q3 2025 | 9.79% | 9.16% | 9.16% |
| Q4 2025 | 9.75% | 9.03% | 9.03% |
| Q1 2026 | 9.82% | 9.04% | 9.04% |
| Q2 2026 | 9.85% | 9.24% | 9.24% |
Gate City Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Gate City 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 Gate City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27774) · FFIEC NIC profile (RSSD 657271)