Journey 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 Equity capital to total assets, which rose 0.69 percentage points to 11.65%. Within Pennsylvania, Journey Bank is 23rd of 72 on CET1 ratio, 16.74% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Journey Bank sits 3.25 points higher, at 16.74% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.74% |
| Tier 1 risk-based capital ratio | 16.74% |
| Total risk-based capital ratio | 17.73% |
| Tier 1 leverage ratio | 10.22% |
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 | $169.5M |
| Tier 1 capital | $169.5M |
| Total risk-based capital | $179.5M |
| Total equity capital | $194.4M |
| Risk-weighted assets | $1.01B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.65% |
| Tangible equity to tangible assets | 9.88% |
| Equity capital to average assets | 11.51% |
| Internal capital growth rate | 11.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $98.1M |
| Retained earnings | $100.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.5M |
| 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 | — | — | — | 10.58% | — |
| Q4 2023 | 13.52% | 13.52% | 14.49% | 8.03% | $954.9M |
| Q1 2024 | 13.95% | 13.95% | 14.94% | 8.41% | $944.9M |
| Q2 2024 | 14.06% | 14.06% | 14.99% | 8.68% | $963.3M |
| Q3 2024 | 14.59% | 14.59% | 15.54% | 8.82% | $954.4M |
| Q4 2024 | 15.06% | 15.06% | 16.03% | 9.10% | $952.5M |
| Q1 2025 | 15.13% | 15.13% | 16.13% | 9.30% | $969.5M |
| Q2 2025 | 15.33% | 15.33% | 16.33% | 9.43% | $975.5M |
| Q3 2025 | 15.69% | 15.69% | 16.70% | 9.62% | $988.5M |
| Q4 2025 | 15.93% | 15.93% | 16.88% | 9.93% | $1.01B |
| Q1 2026 | 16.29% | 16.29% | 17.26% | 9.88% | $1.00B |
| Q2 2026 | 16.74% | 16.74% | 17.73% | 10.22% | $1.01B |
Journey Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Journey 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 Journey Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 686) · FFIEC NIC profile (RSSD 881012)