Natbank, N.A.: 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%.
Total risk-based capital ratio dropped 2.53 percentage points in Q2 2026, from 64.71% to 62.18%. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Natbank, N.A. ranks 2nd highest among the 56 banks headquartered in Florida, at 60.93% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, Natbank, N.A. reported 60.93% on CET1 ratio in Q2 2026, 45.86 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 60.93% |
| Tier 1 risk-based capital ratio | 60.93% |
| Total risk-based capital ratio | 62.18% |
| Tier 1 leverage ratio | 29.81% |
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 | $86.4M |
| Tier 1 capital | $86.4M |
| Total risk-based capital | $88.2M |
| Total equity capital | $86.1M |
| Risk-weighted assets | $141.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 29.04% |
| Tangible equity to tangible assets | 29.04% |
| Equity capital to average assets | 29.71% |
| Internal capital growth rate | 2.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $280K |
| Common stock surplus | $74.1M |
| Retained earnings | $12.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$300K |
| 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 | 38.73% | 38.73% | 39.99% | 20.54% | $113.3M |
| Q4 2023 | 39.03% | 39.03% | 40.28% | 20.65% | $113.9M |
| Q1 2024 | 38.63% | 38.63% | 39.89% | 21.42% | $114.8M |
| Q2 2024 | 37.39% | 37.39% | 38.65% | 20.84% | $118.9M |
| Q3 2024 | 36.31% | 36.31% | 37.56% | 18.84% | $122.9M |
| Q4 2024 | 36.97% | 36.97% | 38.22% | 18.95% | $121.0M |
| Q1 2025 | 36.08% | 36.08% | 37.33% | 19.50% | $124.3M |
| Q2 2025 | 35.86% | 35.86% | 37.12% | 19.57% | $125.5M |
| Q3 2025 | 36.31% | 36.31% | 37.56% | 17.58% | $124.2M |
| Q4 2025 | 67.27% | 67.27% | 68.53% | 30.32% | $127.3M |
| Q1 2026 | 63.45% | 63.45% | 64.71% | 29.19% | $135.4M |
| Q2 2026 | 60.93% | 60.93% | 62.18% | 29.81% | $141.8M |
Natbank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Natbank, N.A., 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 Natbank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33959) · FFIEC NIC profile (RSSD 2233875)