High Country 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%.
Accumulated other comprehensive income dropped 28.8% in Q2 2026, from -$1.2M to -$1.6M. It was the largest change from Q1 2026 among the key lines here.
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 | 9.62% |
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 | $50.6M |
| Tier 1 capital | $50.6M |
| Total risk-based capital | — |
| Total equity capital | $49.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.29% |
| Tangible equity to tangible assets | 9.29% |
| Equity capital to average assets | 9.33% |
| Internal capital growth rate | 7.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $8.9M |
| Retained earnings | $38.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | — | — | — | 9.61% | — |
| Q4 2023 | — | — | — | 9.58% | — |
| Q1 2024 | — | — | — | 9.35% | — |
| Q2 2024 | — | — | — | 9.15% | — |
| Q3 2024 | — | — | — | 8.79% | — |
| Q4 2024 | — | — | — | 8.74% | — |
| Q1 2025 | 11.42% | 11.42% | 12.65% | 8.81% | $385.8M |
| Q2 2025 | 11.32% | 11.32% | 12.57% | 8.72% | $392.6M |
| Q3 2025 | 10.99% | 10.99% | 12.24% | 8.66% | $407.2M |
| Q4 2025 | — | — | — | 9.30% | — |
| Q1 2026 | — | — | — | 9.43% | — |
| Q2 2026 | — | — | — | 9.62% | — |
High Country Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock High Country 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 High Country Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29783) · FFIEC NIC profile (RSSD 479370)