G.W. Jones Exchange 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 Total risk-based capital ratio: 2.78 percentage points higher than in Q1 2026, at 43.40%. Among 43 Michigan banks, G.W. Jones Exchange Bank sits 2nd from the top on CET1 ratio, 42.43% as of Q2 2026. G.W. Jones Exchange Bank's CET1 ratio of 42.43% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 27.36 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 42.43% |
| Tier 1 risk-based capital ratio | 42.43% |
| Total risk-based capital ratio | 43.40% |
| Tier 1 leverage ratio | 10.36% |
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 | $11.5M |
| Tier 1 capital | $11.5M |
| Total risk-based capital | $11.7M |
| Total equity capital | $10.7M |
| Risk-weighted assets | $27.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.69% |
| Tangible equity to tangible assets | 8.69% |
| Equity capital to average assets | 9.65% |
| Internal capital growth rate | 17.29% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $150K |
| Common stock surplus | $6.8M |
| Retained earnings | $4.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$504K |
| 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 | 34.64% | 34.64% | 35.59% | 7.91% | $27.7M |
| Q4 2023 | 33.16% | 33.16% | 34.06% | 7.97% | $29.4M |
| Q1 2024 | 35.72% | 35.72% | 36.66% | 7.96% | $28.2M |
| Q2 2024 | 36.53% | 36.53% | 37.48% | 8.45% | $27.8M |
| Q3 2024 | 37.11% | 37.11% | 38.04% | 9.05% | $28.0M |
| Q4 2024 | 32.27% | 32.27% | 33.18% | 8.31% | $28.8M |
| Q1 2025 | 29.73% | 29.73% | 30.66% | 7.73% | $28.4M |
| Q2 2025 | 33.83% | 33.83% | 34.82% | 8.12% | $26.4M |
| Q3 2025 | 38.51% | 38.51% | 39.50% | 9.35% | $26.7M |
| Q4 2025 | 38.37% | 38.37% | 39.32% | 9.60% | $27.4M |
| Q1 2026 | 39.67% | 39.67% | 40.63% | 9.85% | $27.5M |
| Q2 2026 | 42.43% | 42.43% | 43.40% | 10.36% | $27.0M |
G.W. Jones Exchange Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock G.W. Jones Exchange 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 G.W. Jones Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 999) · FFIEC NIC profile (RSSD 540542)