Generations 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 standout move of Q2 2026 was in Risk-weighted assets: 23.0% higher than in Q1 2026, at $1.08B. Generations Bank ranks 29th of 37 Arkansas banks on CET1 ratio, in the lower half at 11.71% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Generations Bank sits 1.78 points lower, at 11.71% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.71% |
| Tier 1 risk-based capital ratio | 11.71% |
| Total risk-based capital ratio | 12.42% |
| Tier 1 leverage ratio | 11.51% |
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 | $126.6M |
| Tier 1 capital | $126.6M |
| Total risk-based capital | $134.2M |
| Total equity capital | $122.8M |
| Risk-weighted assets | $1.08B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.26% |
| Tangible equity to tangible assets | 11.02% |
| Equity capital to average assets | 11.15% |
| Internal capital growth rate | 8.18% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $56.5M |
| Retained earnings | $72.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.7M |
| 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 | 12.10% | 12.10% | 13.01% | 11.17% | $777.4M |
| Q4 2023 | 11.79% | 11.79% | 12.65% | 11.05% | $811.2M |
| Q1 2024 | 13.49% | 13.49% | 14.45% | 10.86% | $722.8M |
| Q2 2024 | 13.45% | 13.45% | 14.38% | 11.00% | $736.4M |
| Q3 2024 | 13.74% | 13.74% | 14.69% | 10.95% | $742.7M |
| Q4 2024 | 13.49% | 13.49% | 14.44% | 10.76% | $769.7M |
| Q1 2025 | 13.96% | 13.96% | 14.96% | 10.83% | $760.9M |
| Q2 2025 | 12.38% | 12.38% | 13.30% | 10.61% | $870.7M |
| Q3 2025 | 12.58% | 12.58% | 13.46% | 10.64% | $881.5M |
| Q4 2025 | 13.31% | 13.31% | 14.41% | 11.42% | $910.4M |
| Q1 2026 | 14.12% | 14.12% | 15.15% | 11.56% | $878.7M |
| Q2 2026 | 11.71% | 11.71% | 12.42% | 11.51% | $1.08B |
Generations Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Generations 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 Generations Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 88) · FFIEC NIC profile (RSSD 329345)