JD 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.
The largest change between Q1 2026 and Q2 2026 was in Tangible equity to tangible assets, which rose 0.32 percentage points to 10.07%. JD Bank ranks 25th of 45 Louisiana banks on CET1 ratio, in the lower half at 16.78% (Q2 2026). JD Bank reported 16.78% on CET1 ratio for Q2 2026, 3.28 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.78% |
| Tier 1 risk-based capital ratio | 16.78% |
| Total risk-based capital ratio | 17.79% |
| Tier 1 leverage ratio | 11.88% |
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 | $151.5M |
| Tier 1 capital | $151.5M |
| Total risk-based capital | $160.6M |
| Total equity capital | $130.5M |
| Risk-weighted assets | $902.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.36% |
| Tangible equity to tangible assets | 10.07% |
| Equity capital to average assets | 10.20% |
| Internal capital growth rate | 7.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9.6M |
| Common stock surplus | $47.4M |
| Retained earnings | $98.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$24.8M |
| 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 | 16.21% | 16.21% | 17.46% | 10.85% | $827.4M |
| Q4 2023 | 15.72% | 15.72% | 16.96% | 10.67% | $833.1M |
| Q1 2024 | 16.08% | 16.08% | 17.23% | 11.20% | $830.9M |
| Q2 2024 | 15.80% | 15.80% | 16.93% | 11.23% | $858.5M |
| Q3 2024 | 15.98% | 15.98% | 17.07% | 11.32% | $859.1M |
| Q4 2024 | 16.25% | 16.25% | 17.35% | 11.34% | $851.0M |
| Q1 2025 | 16.20% | 16.20% | 17.29% | 11.50% | $865.3M |
| Q2 2025 | 15.92% | 15.92% | 17.02% | 11.64% | $892.8M |
| Q3 2025 | 16.22% | 16.22% | 17.27% | 11.66% | $893.4M |
| Q4 2025 | 16.46% | 16.46% | 17.48% | 11.92% | $894.1M |
| Q1 2026 | 16.67% | 16.67% | 17.72% | 11.79% | $894.7M |
| Q2 2026 | 16.78% | 16.78% | 17.79% | 11.88% | $902.9M |
JD Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock JD 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 JD Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16546) · FFIEC NIC profile (RSSD 980531)