Nave Bank: 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.
The standout move of Q2 2026 was in Common equity Tier 1 ratio: 6.45 percentage points lower than in Q1 2026, at 24.87%. Nave Bank's CET1 ratio of 24.87% is well above the 15.08% median for banks in the $100M-1B asset tier, a gap of 9.79 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.87% |
| Tier 1 risk-based capital ratio | 24.87% |
| Total risk-based capital ratio | 25.83% |
| Tier 1 leverage ratio | 13.84% |
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 | $71.0M |
| Tier 1 capital | $71.0M |
| Total risk-based capital | $73.7M |
| Total equity capital | $70.7M |
| Risk-weighted assets | $285.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.73% |
| Tangible equity to tangible assets | 12.73% |
| Equity capital to average assets | 13.77% |
| Internal capital growth rate | -1.48% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $122.1M |
| Retained earnings | -$51.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$334K |
| 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 | 2755.00% | 2755.00% | 2755.00% | 96.16% | $3.5M |
| Q4 2023 | 426.17% | 426.17% | 426.75% | 93.30% | $20.7M |
| Q1 2024 | 277.56% | 277.56% | 278.15% | 71.42% | $30.7M |
| Q2 2024 | 234.18% | 234.18% | 234.69% | 45.18% | $35.3M |
| Q3 2024 | 149.40% | 149.40% | 150.25% | 36.86% | $54.1M |
| Q4 2024 | 119.44% | 119.44% | 120.34% | 33.03% | $65.7M |
| Q1 2025 | 128.48% | 128.48% | 129.30% | 32.70% | $59.8M |
| Q2 2025 | 59.76% | 59.76% | 60.64% | 32.25% | $124.7M |
| Q3 2025 | 45.46% | 45.46% | 46.39% | 25.63% | $159.6M |
| Q4 2025 | 35.56% | 35.56% | 36.54% | 21.18% | $201.9M |
| Q1 2026 | 31.32% | 31.32% | 31.91% | 16.18% | $226.9M |
| Q2 2026 | 24.87% | 24.87% | 25.83% | 13.84% | $285.5M |
Nave Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Nave Bank, 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 Nave Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59324) · FFIEC NIC profile (RSSD 5686089)