National Advisors 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 Common equity Tier 1 ratio: 50.78 percentage points lower than in Q1 2026, at 294.81%. Among 98 Missouri banks, National Advisors Trust Company sits 2nd from the top on CET1 ratio, 294.81% as of Q2 2026. National Advisors Trust Company's CET1 ratio of 294.81% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 275.24 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 294.81% |
| Tier 1 risk-based capital ratio | 294.81% |
| Total risk-based capital ratio | 294.81% |
| Tier 1 leverage ratio | 83.70% |
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 | $17.0M |
| Tier 1 capital | $17.0M |
| Total risk-based capital | $17.0M |
| Total equity capital | $17.2M |
| Risk-weighted assets | $5.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 79.56% |
| Tangible equity to tangible assets | 79.37% |
| Equity capital to average assets | 83.83% |
| Internal capital growth rate | 40.22% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.0M |
| Common stock surplus | $5.7M |
| Retained earnings | $7.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7K |
| 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 | 273.66% | 273.66% | 273.66% | 76.18% | $6.9M |
| Q4 2023 | 310.89% | 310.89% | 310.89% | 80.53% | $6.4M |
| Q1 2024 | 283.08% | 283.08% | 283.08% | 70.53% | $4.9M |
| Q2 2024 | 280.61% | 280.61% | 280.61% | 82.00% | $5.7M |
| Q3 2024 | 332.64% | 332.64% | 332.64% | 85.18% | $5.1M |
| Q4 2024 | 280.10% | 280.10% | 280.10% | 64.78% | $4.6M |
| Q1 2025 | 308.00% | 308.00% | 308.00% | 77.48% | $4.3M |
| Q2 2025 | 297.18% | 297.18% | 297.18% | 82.72% | $5.1M |
| Q3 2025 | 374.39% | 374.39% | 374.39% | 72.47% | $3.6M |
| Q4 2025 | 361.71% | 361.71% | 361.71% | 84.12% | $4.1M |
| Q1 2026 | 345.59% | 345.59% | 345.59% | 80.21% | $4.5M |
| Q2 2026 | 294.81% | 294.81% | 294.81% | 83.70% | $5.8M |
National Advisors Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock National Advisors 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 National Advisors Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57160) · FFIEC NIC profile (RSSD 2809373)