GN 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 Equity capital to average assets: 1.03 percentage points higher than in Q1 2026, at 14.96%.
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 | 16.06% |
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 | $9.8M |
| Tier 1 capital | $9.8M |
| Total risk-based capital | — |
| Total equity capital | $9.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.19% |
| Tangible equity to tangible assets | 15.19% |
| Equity capital to average assets | 14.96% |
| Internal capital growth rate | 8.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $14.8M |
| Retained earnings | -$5.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$671K |
| 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 | 19.27% | 19.27% | 20.52% | 13.23% | $46.3M |
| Q4 2023 | 21.40% | 21.40% | 22.65% | 13.70% | $42.8M |
| Q1 2024 | — | — | — | 14.37% | — |
| Q2 2024 | — | — | — | 14.36% | — |
| Q3 2024 | — | — | — | 14.09% | — |
| Q4 2024 | — | — | — | 14.31% | — |
| Q1 2025 | — | — | — | 14.70% | — |
| Q2 2025 | — | — | — | 14.65% | — |
| Q3 2025 | — | — | — | 14.71% | — |
| Q4 2025 | — | — | — | 15.07% | — |
| Q1 2026 | — | — | — | 15.07% | — |
| Q2 2026 | — | — | — | 16.06% | — |
GN Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock GN 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 GN Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29399) · FFIEC NIC profile (RSSD 250476)