Locality 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 dropped 1.19 percentage points in Q2 2026, from 13.45% to 12.25%. It was the largest change from Q1 2026 among the key lines here.
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 | 12.91% |
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 | $46.8M |
| Tier 1 capital | $46.8M |
| Total risk-based capital | — |
| Total equity capital | $48.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.25% |
| Tangible equity to tangible assets | 12.24% |
| Equity capital to average assets | 13.31% |
| Internal capital growth rate | 3.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $26.7M |
| Common stock surplus | $28.3M |
| Retained earnings | -$6.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$236K |
| 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 | 23.03% | 19.81% | 19.81% |
| Q4 2023 | 18.78% | 16.82% | 16.82% |
| Q1 2024 | 17.01% | 15.71% | 15.70% |
| Q2 2024 | 14.94% | 13.12% | 13.12% |
| Q3 2024 | 13.18% | 11.80% | 11.79% |
| Q4 2024 | 11.66% | 11.39% | 11.38% |
| Q1 2025 | 15.88% | 15.36% | 15.35% |
| Q2 2025 | 15.05% | 15.34% | 15.33% |
| Q3 2025 | 14.91% | 12.84% | 12.82% |
| Q4 2025 | 14.23% | 13.84% | 13.82% |
| Q1 2026 | 13.16% | 13.45% | 13.42% |
| Q2 2026 | 12.91% | 12.25% | 12.24% |
Locality Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Locality 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 Locality Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59278) · FFIEC NIC profile (RSSD 5673191)