National Exchange Bank and Trust: 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 Accumulated other comprehensive income: 14.0% higher than in Q1 2026, at -$22.5M.
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 | 20.06% |
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 | $592.4M |
| Tier 1 capital | $592.4M |
| Total risk-based capital | — |
| Total equity capital | $571.5M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 19.77% |
| Tangible equity to tangible assets | 19.72% |
| Equity capital to average assets | 19.34% |
| Internal capital growth rate | 8.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $55.3M |
| Retained earnings | $533.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$22.5M |
| 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 | 17.31% | 15.59% | 15.49% |
| Q4 2023 | 17.67% | 16.16% | 16.06% |
| Q1 2024 | 17.51% | 16.35% | 16.26% |
| Q2 2024 | 18.40% | 17.11% | 17.02% |
| Q3 2024 | 18.21% | 17.25% | 17.17% |
| Q4 2024 | 18.28% | 17.05% | 16.97% |
| Q1 2025 | 18.20% | 17.15% | 17.08% |
| Q2 2025 | 18.63% | 18.07% | 18.00% |
| Q3 2025 | 19.14% | 18.56% | 18.50% |
| Q4 2025 | 19.09% | 18.98% | 18.92% |
| Q1 2026 | 19.53% | 18.94% | 18.88% |
| Q2 2026 | 20.06% | 19.77% | 19.72% |
National Exchange Bank and Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock National Exchange Bank and Trust, 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 Exchange Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10044) · FFIEC NIC profile (RSSD 722544)