Jim Thorpe Neighborhood 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%.
Total equity capital rose 2.6% from Q1 2026 to Q2 2026, ending at $22.5M against $21.9M. It was the largest change among the key lines on this page. Jim Thorpe Neighborhood Bank ranks 17th of 72 Pennsylvania banks on CET1 ratio, in the upper half at 21.01% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Jim Thorpe Neighborhood Bank sits 5.94 points higher, at 21.01% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.01% |
| Tier 1 risk-based capital ratio | 21.01% |
| Total risk-based capital ratio | 22.04% |
| Tier 1 leverage ratio | 10.08% |
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 | $27.0M |
| Tier 1 capital | $27.0M |
| Total risk-based capital | $28.3M |
| Total equity capital | $22.5M |
| Risk-weighted assets | $128.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.49% |
| Tangible equity to tangible assets | 8.19% |
| Equity capital to average assets | 8.38% |
| Internal capital growth rate | 10.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $280K |
| Common stock surplus | $1.3M |
| Retained earnings | $26.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.3M |
| 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 | 18.95% | 18.95% | 20.07% | 9.38% | $122.6M |
| Q4 2023 | 18.88% | 18.88% | 19.98% | 9.10% | $123.5M |
| Q1 2024 | 18.46% | 18.46% | 19.53% | 9.37% | $127.7M |
| Q2 2024 | 18.90% | 18.90% | 19.97% | 9.56% | $127.0M |
| Q3 2024 | 18.98% | 18.98% | 20.04% | 9.61% | $128.2M |
| Q4 2024 | 19.58% | 19.58% | 20.66% | 9.14% | $125.5M |
| Q1 2025 | 20.37% | 20.37% | 21.47% | 9.69% | $122.2M |
| Q2 2025 | 20.49% | 20.49% | 21.58% | 9.94% | $123.6M |
| Q3 2025 | 20.76% | 20.76% | 21.83% | 10.01% | $124.3M |
| Q4 2025 | 20.77% | 20.77% | 21.84% | 9.60% | $124.9M |
| Q1 2026 | 21.07% | 21.07% | 22.14% | 10.06% | $125.3M |
| Q2 2026 | 21.01% | 21.01% | 22.04% | 10.08% | $128.4M |
Jim Thorpe Neighborhood Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Jim Thorpe Neighborhood 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 Jim Thorpe Neighborhood Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7599) · FFIEC NIC profile (RSSD 920210)