Jefferson 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.
Common stock surplus rose 5.0% from Q1 2026 to Q2 2026, ending at $62.8M against $59.8M. It was the largest change among the key lines on this page.
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 | 9.81% |
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 | $278.1M |
| Tier 1 capital | $278.1M |
| Total risk-based capital | — |
| Total equity capital | $246.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.56% |
| Tangible equity to tangible assets | 8.50% |
| Equity capital to average assets | 8.68% |
| Internal capital growth rate | 5.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $22.0M |
| Common stock surplus | $62.8M |
| Retained earnings | $195.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$33.9M |
| 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 | 11.57% | 11.57% | 12.37% | 8.50% | $2.13B |
| Q4 2023 | 11.27% | 11.27% | 12.07% | 8.38% | $2.17B |
| Q1 2024 | 11.28% | 11.28% | 12.03% | 8.41% | $2.17B |
| Q2 2024 | 11.39% | 11.39% | 12.13% | 8.36% | $2.18B |
| Q3 2024 | 11.56% | 11.56% | 12.31% | 8.47% | $2.17B |
| Q4 2024 | 11.79% | 11.79% | 12.57% | 8.64% | $2.15B |
| Q1 2025 | 11.93% | 11.93% | 12.69% | 9.11% | $2.15B |
| Q2 2025 | 12.03% | 12.03% | 12.80% | 9.16% | $2.15B |
| Q3 2025 | 12.34% | 12.34% | 13.12% | 9.34% | $2.14B |
| Q4 2025 | 12.66% | 12.66% | 13.43% | 9.31% | $2.12B |
| Q1 2026 | 12.64% | 12.64% | 13.41% | 9.48% | $2.15B |
| Q2 2026 | — | — | — | 9.81% | — |
Jefferson Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Jefferson 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 Jefferson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16470) · FFIEC NIC profile (RSSD 45560)