The Lauderdale County 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%.
Equity capital to total assets rose 0.66 percentage points from Q1 2026 to Q2 2026, ending at 9.58% against 8.92%. 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 | 11.54% |
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 | $8.0M |
| Tier 1 capital | $8.0M |
| Total risk-based capital | — |
| Total equity capital | $6.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.58% |
| Tangible equity to tangible assets | 9.58% |
| Equity capital to average assets | 9.30% |
| Internal capital growth rate | 9.48% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $355K |
| Common stock surplus | $975K |
| Retained earnings | $6.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.6M |
| 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 | 11.37% | 6.95% | 6.95% |
| Q4 2023 | 11.21% | 7.72% | 7.72% |
| Q1 2024 | 11.37% | 7.98% | 7.98% |
| Q2 2024 | 11.99% | 8.39% | 8.39% |
| Q3 2024 | 11.83% | 9.28% | 9.28% |
| Q4 2024 | 11.76% | 8.56% | 8.56% |
| Q1 2025 | 11.88% | 8.75% | 8.75% |
| Q2 2025 | 12.03% | 9.30% | 9.30% |
| Q3 2025 | 12.38% | 9.84% | 9.84% |
| Q4 2025 | 12.31% | 9.53% | 9.53% |
| Q1 2026 | 11.36% | 8.92% | 8.92% |
| Q2 2026 | 11.54% | 9.58% | 9.58% |
The Lauderdale County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lauderdale County 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 The Lauderdale County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22835) · FFIEC NIC profile (RSSD 82350)