The Neffs National 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%.
The biggest quarter-over-quarter change on this page was a small one: Equity capital to average assets edged up 0.18 percentage points between Q1 2026 and Q2 2026, to 15.34%.
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 | 16.82% |
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 | $78.7M |
| Tier 1 capital | $78.7M |
| Total risk-based capital | — |
| Total equity capital | $71.7M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.23% |
| Tangible equity to tangible assets | 15.23% |
| Equity capital to average assets | 15.34% |
| Internal capital growth rate | 3.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $500K |
| Retained earnings | $78.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.9M |
| 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 | 16.67% | 14.05% | 14.05% |
| Q4 2023 | 17.04% | 15.10% | 15.10% |
| Q1 2024 | 16.47% | 14.27% | 14.27% |
| Q2 2024 | 16.48% | 14.40% | 14.40% |
| Q3 2024 | 16.32% | 14.77% | 14.77% |
| Q4 2024 | 16.42% | 14.47% | 14.47% |
| Q1 2025 | 16.63% | 14.64% | 14.64% |
| Q2 2025 | 16.57% | 14.77% | 14.77% |
| Q3 2025 | 16.41% | 14.97% | 14.97% |
| Q4 2025 | 16.69% | 15.17% | 15.17% |
| Q1 2026 | 16.62% | 15.24% | 15.24% |
| Q2 2026 | 16.82% | 15.23% | 15.23% |
The Neffs National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Neffs National 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 The Neffs National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7646) · FFIEC NIC profile (RSSD 144913)