Locus Bank, Inc.: 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%.
Compared with Q1 2026, Equity capital to total assets fell 0.59 percentage points in Q2 2026 to 20.63%, the biggest move 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 | 21.46% |
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 | $38.8M |
| Tier 1 capital | $75.2M |
| Total risk-based capital | — |
| Total equity capital | $74.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 20.63% |
| Tangible equity to tangible assets | 20.63% |
| Equity capital to average assets | 21.16% |
| Internal capital growth rate | 5.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9.4M |
| Common stock surplus | $11.0M |
| Retained earnings | $18.3M |
| Preferred stock and surplus | $36.4M |
| Accumulated other comprehensive income | -$1.0M |
| 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 | 23.87% | 22.28% | 22.28% |
| Q4 2023 | 22.77% | 21.24% | 21.24% |
| Q1 2024 | 21.73% | 20.98% | 20.98% |
| Q2 2024 | 21.92% | 21.45% | 21.45% |
| Q3 2024 | 22.01% | 21.05% | 21.05% |
| Q4 2024 | 21.22% | 20.44% | 20.44% |
| Q1 2025 | 20.95% | 20.84% | 20.84% |
| Q2 2025 | 21.52% | 21.26% | 21.26% |
| Q3 2025 | 21.81% | 21.18% | 21.18% |
| Q4 2025 | 21.72% | 21.04% | 21.04% |
| Q1 2026 | 21.63% | 21.23% | 21.23% |
| Q2 2026 | 21.46% | 20.63% | 20.63% |
Locus Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Locus Bank, Inc., 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 Locus Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58658) · FFIEC NIC profile (RSSD 3626858)