Neighborhood 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%.
Retained earnings rose 3.6% from Q1 2026 to Q2 2026, ending at -$10.8M against -$11.2M. It was the largest change among the key lines on this page.
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 | 11.63% |
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 | $25.7M |
| Tier 1 capital | $25.7M |
| Total risk-based capital | — |
| Total equity capital | $28.1M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.34% |
| Tangible equity to tangible assets | 12.34% |
| Equity capital to average assets | 12.59% |
| Internal capital growth rate | 5.83% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $263K |
| Common stock surplus | $38.7M |
| Retained earnings | -$10.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $1K |
| 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 | 17.93% | 17.93% | 19.98% | 13.94% | $95.9M |
| Q4 2023 | 15.92% | 15.92% | 17.19% | 12.85% | $111.6M |
| Q1 2024 | 15.59% | 15.59% | 17.19% | 11.98% | $111.9M |
| Q2 2024 | 20.23% | 20.23% | 21.80% | 14.93% | $114.6M |
| Q3 2024 | 18.95% | 18.95% | 20.48% | 14.07% | $120.6M |
| Q4 2024 | — | — | — | 13.40% | — |
| Q1 2025 | — | — | — | 12.56% | — |
| Q2 2025 | — | — | — | 12.42% | — |
| Q3 2025 | — | — | — | 11.96% | — |
| Q4 2025 | — | — | — | 11.81% | — |
| Q1 2026 | — | — | — | 11.30% | — |
| Q2 2026 | — | — | — | 11.63% | — |
Neighborhood National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Neighborhood 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 Neighborhood National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34548) · FFIEC NIC profile (RSSD 2333140)