Genesis 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 Common stock surplus: 60.9% higher than in Q1 2026, at $13.2M.
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 | 19.59% |
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 | $19.0M |
| Tier 1 capital | $19.0M |
| Total risk-based capital | — |
| Total equity capital | $19.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 19.59% |
| Tangible equity to tangible assets | 19.59% |
| Equity capital to average assets | 19.59% |
| Internal capital growth rate | 4.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $60K |
| Common stock surplus | $13.2M |
| Retained earnings | $5.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12K |
| 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 | 21.29% | 19.28% | 19.28% |
| Q4 2023 | 25.33% | 25.13% | 25.13% |
| Q1 2024 | 23.04% | 21.80% | 21.80% |
| Q2 2024 | 20.49% | 20.53% | 20.53% |
| Q3 2024 | 20.38% | 19.02% | 19.02% |
| Q4 2024 | 19.29% | 19.96% | 19.96% |
| Q1 2025 | 19.12% | 17.92% | 17.92% |
| Q2 2025 | 17.91% | 18.30% | 18.30% |
| Q3 2025 | 17.95% | 16.40% | 16.40% |
| Q4 2025 | 16.34% | 16.30% | 16.30% |
| Q1 2026 | 15.55% | 14.12% | 14.12% |
| Q2 2026 | 19.59% | 19.59% | 19.59% |
Genesis Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Genesis 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 Genesis Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15817) · FFIEC NIC profile (RSSD 659640)