Genoa Community 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 Retained earnings: 14.7% higher than in Q1 2026, at $1.2M. Within Nebraska, Genoa Community Bank is 14th of 57 on CET1 ratio, 18.04% as of Q2 2026, above the middle of the field. Genoa Community Bank reported 18.04% on CET1 ratio for Q2 2026, 1.47 points below the 19.50% median for banks in the < $100M asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.04% |
| Tier 1 risk-based capital ratio | 18.04% |
| Total risk-based capital ratio | 19.16% |
| Tier 1 leverage ratio | 12.92% |
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 | $9.3M |
| Tier 1 capital | $9.3M |
| Total risk-based capital | $9.9M |
| Total equity capital | $8.6M |
| Risk-weighted assets | $51.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.23% |
| Tangible equity to tangible assets | 12.23% |
| Equity capital to average assets | 12.00% |
| Internal capital growth rate | 7.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $109K |
| Common stock surplus | $8.0M |
| Retained earnings | $1.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$657K |
| 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 | 15.60% | 15.60% | 16.56% | 12.14% | $53.8M |
| Q4 2023 | 13.88% | 13.88% | 14.76% | 11.77% | $59.7M |
| Q1 2024 | 15.72% | 15.72% | 16.70% | 11.74% | $53.3M |
| Q2 2024 | 16.03% | 16.03% | 17.01% | 12.44% | $52.9M |
| Q3 2024 | 15.95% | 15.95% | 16.92% | 12.70% | $53.9M |
| Q4 2024 | 15.16% | 15.16% | 16.06% | 12.51% | $57.5M |
| Q1 2025 | 16.52% | 16.52% | 17.52% | 12.41% | $53.3M |
| Q2 2025 | 15.56% | 15.56% | 16.50% | 12.83% | $57.3M |
| Q3 2025 | 16.33% | 16.33% | 17.30% | 12.89% | $55.4M |
| Q4 2025 | 15.11% | 15.11% | 16.03% | 12.76% | $59.6M |
| Q1 2026 | 16.27% | 16.27% | 17.26% | 13.02% | $56.1M |
| Q2 2026 | 18.04% | 18.04% | 19.16% | 12.92% | $51.4M |
Genoa Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Genoa Community 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 Genoa Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5408) · FFIEC NIC profile (RSSD 2750)