Kodabank: 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 Retained earnings, which rose 6.8% to $31.8M.
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 | 10.28% |
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 | $57.8M |
| Tier 1 capital | $57.8M |
| Total risk-based capital | — |
| Total equity capital | $57.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.21% |
| Tangible equity to tangible assets | 10.07% |
| Equity capital to average assets | 10.15% |
| Internal capital growth rate | 14.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $850K |
| Common stock surplus | $26.0M |
| Retained earnings | $31.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| 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 | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 11.72% | 10.56% | 10.36% |
| Q4 2023 | 11.06% | 9.65% | 9.47% |
| Q1 2024 | 11.00% | 10.15% | 9.97% |
| Q2 2024 | 11.02% | 10.45% | 10.26% |
| Q3 2024 | 11.27% | 10.66% | 10.49% |
| Q4 2024 | 10.49% | 9.60% | 9.44% |
| Q1 2025 | 10.28% | 9.70% | 9.54% |
| Q2 2025 | 10.17% | 10.26% | 10.10% |
| Q3 2025 | 10.76% | 10.62% | 10.46% |
| Q4 2025 | 10.18% | 9.97% | 9.81% |
| Q1 2026 | 10.18% | 9.71% | 9.57% |
| Q2 2026 | 10.28% | 10.21% | 10.07% |
Kodabank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Kodabank, 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 Kodabank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8386) · FFIEC NIC profile (RSSD 803957)