Grove Bank & Trust: 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%.
Compared with Q1 2026, Risk-weighted assets rose 4.5% in Q2 2026 to $923.3M, the biggest move on this page. Grove Bank & Trust ranks 21st of 56 Florida banks on CET1 ratio, in the upper half at 15.22% (Q2 2026). Grove Bank & Trust reported 15.22% on CET1 ratio for Q2 2026, 1.74 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.22% |
| Tier 1 risk-based capital ratio | 15.22% |
| Total risk-based capital ratio | 16.47% |
| Tier 1 leverage ratio | 9.96% |
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 | $140.5M |
| Tier 1 capital | $140.5M |
| Total risk-based capital | $152.0M |
| Total equity capital | $138.5M |
| Risk-weighted assets | $923.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.80% |
| Tangible equity to tangible assets | 9.80% |
| Equity capital to average assets | 9.83% |
| Internal capital growth rate | 6.83% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $12.5M |
| Common stock surplus | $49.6M |
| Retained earnings | $78.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.9M |
| 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 | 23.06% | 23.06% | 24.32% | 12.12% | $554.2M |
| Q4 2023 | 20.17% | 20.17% | 21.43% | 12.18% | $620.4M |
| Q1 2024 | 18.83% | 18.83% | 20.09% | 11.65% | $662.5M |
| Q2 2024 | 17.17% | 17.17% | 18.42% | 10.47% | $730.2M |
| Q3 2024 | 16.85% | 16.85% | 18.10% | 10.36% | $749.0M |
| Q4 2024 | 15.19% | 15.19% | 16.44% | 10.25% | $840.3M |
| Q1 2025 | 14.86% | 14.86% | 16.11% | 9.69% | $867.4M |
| Q2 2025 | 14.87% | 14.87% | 16.12% | 9.55% | $875.2M |
| Q3 2025 | 15.35% | 15.35% | 16.60% | 9.93% | $866.0M |
| Q4 2025 | 15.39% | 15.39% | 16.64% | 9.82% | $879.7M |
| Q1 2026 | 15.62% | 15.62% | 16.87% | 9.89% | $883.5M |
| Q2 2026 | 15.22% | 15.22% | 16.47% | 9.96% | $923.3M |
Grove Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Grove Bank & Trust, 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 Grove Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8018) · FFIEC NIC profile (RSSD 648130)