Nantahala Bank & Trust Company: 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%.
The standout move of Q2 2026 was in Retained earnings: 23.0% higher than in Q1 2026, at -$4.0M. Within North Carolina, Nantahala Bank & Trust Company is 15th of 26 on CET1 ratio, 14.38% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Nantahala Bank & Trust Company sits 0.70 points lower, at 14.38% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.38% |
| Tier 1 risk-based capital ratio | 14.93% |
| Total risk-based capital ratio | 16.00% |
| Tier 1 leverage ratio | 9.43% |
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 | $26.0M |
| Tier 1 capital | $27.0M |
| Total risk-based capital | $29.0M |
| Total equity capital | $27.5M |
| Risk-weighted assets | $180.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.53% |
| Tangible equity to tangible assets | 9.53% |
| Equity capital to average assets | 9.57% |
| Internal capital growth rate | 17.97% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $13.0M |
| Common stock surplus | $18.1M |
| Retained earnings | -$4.0M |
| Preferred stock and surplus | $994K |
| Accumulated other comprehensive income | -$705K |
| 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 | 9.31% | 10.64% | 11.89% | 6.50% | $163.2M |
| Q4 2023 | 9.66% | 10.44% | 11.67% | 6.47% | $168.2M |
| Q1 2024 | 9.91% | 10.50% | 11.72% | 6.42% | $169.4M |
| Q2 2024 | 9.98% | 10.55% | 11.75% | 6.58% | $173.2M |
| Q3 2024 | 10.24% | 10.81% | 12.00% | 6.96% | $174.2M |
| Q4 2024 | 10.86% | 11.44% | 12.65% | 7.32% | $172.5M |
| Q1 2025 | 11.46% | 12.04% | 13.27% | 7.91% | $170.7M |
| Q2 2025 | 11.89% | 12.46% | 13.65% | 8.18% | $173.6M |
| Q3 2025 | 12.32% | 12.88% | 14.04% | 8.28% | $177.5M |
| Q4 2025 | 12.74% | 13.29% | 14.38% | 8.56% | $182.2M |
| Q1 2026 | 13.41% | 13.96% | 15.03% | 9.11% | $182.1M |
| Q2 2026 | 14.38% | 14.93% | 16.00% | 9.43% | $180.9M |
Nantahala Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Nantahala Bank & Trust Company, 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 Nantahala Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57784) · FFIEC NIC profile (RSSD 3285778)