Genubank: 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.
Retained earnings dropped 14.5% in Q2 2026, from $6.3M to $5.4M. 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 | 15.93% |
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 | $36.6M |
| Tier 1 capital | $36.6M |
| Total risk-based capital | — |
| Total equity capital | $43.3M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.08% |
| Tangible equity to tangible assets | 14.82% |
| Equity capital to average assets | 18.28% |
| Internal capital growth rate | -8.25% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $37.9M |
| Retained earnings | $5.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$92K |
| 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 | 18.27% | 22.17% | 18.83% |
| Q4 2023 | 18.71% | 23.12% | 19.79% |
| Q1 2024 | 20.90% | 23.51% | 20.15% |
| Q2 2024 | 20.78% | 23.55% | 20.21% |
| Q3 2024 | 19.31% | 22.31% | 19.18% |
| Q4 2024 | 19.83% | 19.86% | 17.06% |
| Q1 2025 | 18.34% | 20.58% | 17.78% |
| Q2 2025 | 18.20% | 20.59% | 17.87% |
| Q3 2025 | 17.20% | 18.31% | 15.88% |
| Q4 2025 | 16.68% | 19.84% | 17.31% |
| Q1 2026 | 16.22% | 18.28% | 15.93% |
| Q2 2026 | 15.93% | 17.08% | 14.82% |
Genubank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Genubank, 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 Genubank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58806) · FFIEC NIC profile (RSSD 3720336)