Grand Ridge National 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 Retained earnings, which rose 4.3% to $48.0M.
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 | 13.77% |
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 | $59.5M |
| Tier 1 capital | $59.5M |
| Total risk-based capital | — |
| Total equity capital | $60.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.67% |
| Tangible equity to tangible assets | 13.46% |
| Equity capital to average assets | 13.98% |
| Internal capital growth rate | 13.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $937K |
| Common stock surplus | $11.7M |
| Retained earnings | $48.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2K |
| 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 | 13.55% | 13.63% | 13.33% |
| Q4 2023 | 13.05% | 13.52% | 13.23% |
| Q1 2024 | 13.58% | 13.37% | 13.09% |
| Q2 2024 | 13.00% | 13.07% | 12.81% |
| Q3 2024 | 13.25% | 13.34% | 13.08% |
| Q4 2024 | 13.21% | 13.55% | 13.29% |
| Q1 2025 | 13.31% | 13.41% | 13.16% |
| Q2 2025 | 12.88% | 12.73% | 12.50% |
| Q3 2025 | 12.36% | 12.09% | 11.88% |
| Q4 2025 | 12.37% | 12.72% | 12.51% |
| Q1 2026 | 13.53% | 13.71% | 13.49% |
| Q2 2026 | 13.77% | 13.67% | 13.46% |
Grand Ridge National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand Ridge National 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 Grand Ridge National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3674) · FFIEC NIC profile (RSSD 875132)