Junction National 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 8.4% lower than in Q1 2026, at -$3.4M.
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 | 12.04% |
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 | $11.6M |
| Tier 1 capital | $11.6M |
| Total risk-based capital | — |
| Total equity capital | $8.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.84% |
| Tangible equity to tangible assets | 8.84% |
| Equity capital to average assets | 8.54% |
| Internal capital growth rate | 11.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $400K |
| Retained earnings | $10.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.4M |
| 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 | 32.20% | 32.20% | 33.27% | 9.98% | $28.4M |
| Q4 2023 | 32.06% | 32.06% | 33.10% | 10.12% | $29.2M |
| Q1 2024 | 34.83% | 34.83% | 35.93% | 10.64% | $27.9M |
| Q2 2024 | 33.72% | 33.72% | 34.84% | 10.75% | $29.3M |
| Q3 2024 | 33.98% | 33.98% | 35.09% | 11.02% | $29.7M |
| Q4 2024 | 33.58% | 33.58% | 34.70% | 11.22% | $30.4M |
| Q1 2025 | 35.59% | 35.59% | 36.74% | 11.71% | $29.6M |
| Q2 2025 | 36.12% | 36.12% | 37.27% | 11.61% | $29.6M |
| Q3 2025 | 37.35% | 37.35% | 38.53% | 11.76% | $29.3M |
| Q4 2025 | 37.30% | 37.30% | 38.46% | 11.45% | $29.5M |
| Q1 2026 | 38.32% | 38.32% | 39.47% | 11.46% | $29.7M |
| Q2 2026 | — | — | — | 12.04% | — |
Junction National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Junction National 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 Junction National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15078) · FFIEC NIC profile (RSSD 741152)