Nano Banc: 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.
Total equity capital fell 5.8% from Q1 2026 to Q2 2026, ending at $38.8M against $41.2M. It was the largest change among the key lines on this page. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Nano Banc sits 7.26 points lower, at 7.83% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 7.83% |
| Tier 1 risk-based capital ratio | 7.83% |
| Total risk-based capital ratio | 9.11% |
| Tier 1 leverage ratio | 5.04% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $39.6M |
| Tier 1 capital | $39.6M |
| Total risk-based capital | $46.1M |
| Total equity capital | $38.8M |
| Risk-weighted assets | $506.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.27% |
| Tangible equity to tangible assets | 5.27% |
| Equity capital to average assets | 4.94% |
| Internal capital growth rate | -22.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $128.5M |
| Retained earnings | -$88.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$807K |
| 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 | 15.30% | 15.30% | 16.59% | 12.65% | $772.3M |
| Q4 2023 | 15.52% | 15.52% | 16.82% | 12.66% | $752.1M |
| Q1 2024 | 16.09% | 16.09% | 17.38% | 12.71% | $732.0M |
| Q2 2024 | 17.00% | 17.00% | 18.29% | 13.24% | $696.6M |
| Q3 2024 | 19.56% | 19.56% | 20.86% | 11.59% | $601.9M |
| Q4 2024 | 18.57% | 18.57% | 19.86% | 11.20% | $597.4M |
| Q1 2025 | 17.54% | 17.54% | 18.83% | 12.08% | $630.9M |
| Q2 2025 | 15.44% | 15.44% | 16.72% | 10.20% | $619.0M |
| Q3 2025 | 11.18% | 11.18% | 12.46% | 7.23% | $604.3M |
| Q4 2025 | 7.15% | 7.15% | 8.42% | 4.77% | $584.2M |
| Q1 2026 | 8.17% | 8.17% | 9.44% | 4.79% | $513.3M |
| Q2 2026 | 7.83% | 7.83% | 9.11% | 5.04% | $506.0M |
Nano Banc regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Nano Banc, 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 Nano Banc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58590) · FFIEC NIC profile (RSSD 3635029)