Infinity 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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to total assets climbed 1.01 percentage points in Q2 2026, from 10.96% to 11.97%. It was the largest change from Q1 2026 among the key lines here. Within California, Infinity Bank is 37th of 74 on CET1 ratio, 15.31% as of Q2 2026. At 15.31%, Infinity Bank's CET1 ratio is close to the 15.08% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.31% |
| Tier 1 risk-based capital ratio | 15.31% |
| Total risk-based capital ratio | 17.94% |
| Tier 1 leverage ratio | 13.03% |
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 | $44.6M |
| Tier 1 capital | $44.6M |
| Total risk-based capital | $52.2M |
| Total equity capital | $43.0M |
| Risk-weighted assets | $291.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.97% |
| Tangible equity to tangible assets | 11.97% |
| Equity capital to average assets | 12.59% |
| Internal capital growth rate | -0.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $35.2M |
| Common stock surplus | $0 |
| Retained earnings | $9.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| Subordinated notes and debentures | $4.0M |
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 | 16.87% | 16.87% | 19.87% | 12.45% | $220.8M |
| Q4 2023 | 16.00% | 16.00% | 18.93% | 13.26% | $234.2M |
| Q1 2024 | 15.67% | 15.67% | 18.57% | 12.28% | $240.0M |
| Q2 2024 | 15.09% | 15.09% | 17.94% | 12.40% | $247.3M |
| Q3 2024 | 14.60% | 14.60% | 17.37% | 12.38% | $259.8M |
| Q4 2024 | 15.28% | 15.28% | 18.04% | 11.95% | $262.1M |
| Q1 2025 | 15.68% | 15.68% | 18.49% | 12.23% | $254.0M |
| Q2 2025 | 16.67% | 16.67% | 19.53% | 12.69% | $247.5M |
| Q3 2025 | 16.49% | 16.49% | 19.29% | 12.21% | $256.6M |
| Q4 2025 | 16.19% | 16.19% | 18.92% | 12.20% | $269.7M |
| Q1 2026 | 16.67% | 16.67% | 19.42% | 12.67% | $267.7M |
| Q2 2026 | 15.31% | 15.31% | 17.94% | 13.03% | $291.0M |
Infinity Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Infinity 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 Infinity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59098) · FFIEC NIC profile (RSSD 5193989)