Germantown Trust & Savings 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 largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 5.3% to -$17.3M.
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 | 11.58% |
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 | $62.3M |
| Tier 1 capital | $62.3M |
| Total risk-based capital | — |
| Total equity capital | $45.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.59% |
| Tangible equity to tangible assets | 8.59% |
| Equity capital to average assets | 8.36% |
| Internal capital growth rate | -5.88% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $3.5M |
| Retained earnings | $58.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.3M |
| 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 | 11.18% | 5.15% | 5.15% |
| Q4 2023 | 11.47% | 7.22% | 7.22% |
| Q1 2024 | 11.62% | 6.84% | 6.84% |
| Q2 2024 | 11.53% | 7.02% | 7.02% |
| Q3 2024 | 11.55% | 8.30% | 8.30% |
| Q4 2024 | 11.77% | 7.62% | 7.62% |
| Q1 2025 | 11.78% | 7.93% | 7.93% |
| Q2 2025 | 11.43% | 7.78% | 7.78% |
| Q3 2025 | 11.60% | 8.64% | 8.64% |
| Q4 2025 | 12.02% | 9.22% | 9.22% |
| Q1 2026 | 11.85% | 8.97% | 8.97% |
| Q2 2026 | 11.58% | 8.59% | 8.59% |
Germantown Trust & Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Germantown Trust & Savings 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 Germantown Trust & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12113) · FFIEC NIC profile (RSSD 830748)