New Covenant Trust Company, N.A.: 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 Equity capital to average assets: 4.36 percentage points lower than in Q1 2026, at 90.76%. New Covenant Trust Company, N.A.'s CET1 ratio of 248.35% is well above the 19.50% median for banks in the < $100M asset tier, a gap of 228.84 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 248.35% |
| Tier 1 risk-based capital ratio | 248.35% |
| Total risk-based capital ratio | 248.35% |
| Tier 1 leverage ratio | 90.76% |
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 | $8.6M |
| Tier 1 capital | $8.6M |
| Total risk-based capital | $8.6M |
| Total equity capital | $8.6M |
| Risk-weighted assets | $3.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 92.39% |
| Tangible equity to tangible assets | 92.39% |
| Equity capital to average assets | 90.76% |
| Internal capital growth rate | 13.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.6M |
| Common stock surplus | $860K |
| Retained earnings | $6.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| 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 | 220.33% | 220.33% | 220.33% | 91.20% | $3.0M |
| Q4 2023 | 267.77% | 267.77% | 267.77% | 91.18% | $2.5M |
| Q1 2024 | 246.70% | 246.70% | 246.70% | 88.49% | $2.8M |
| Q2 2024 | 255.03% | 255.03% | 255.03% | 87.02% | $2.7M |
| Q3 2024 | 255.58% | 255.58% | 255.58% | 92.59% | $2.8M |
| Q4 2024 | 249.30% | 249.30% | 249.30% | 91.57% | $2.9M |
| Q1 2025 | 249.98% | 249.98% | 249.98% | 89.57% | $2.9M |
| Q2 2025 | 133.63% | 133.63% | 133.63% | 91.68% | $5.6M |
| Q3 2025 | 218.95% | 218.95% | 218.95% | 94.30% | $3.6M |
| Q4 2025 | 252.92% | 252.92% | 252.92% | 93.33% | $3.2M |
| Q1 2026 | 256.26% | 256.26% | 256.26% | 95.12% | $3.2M |
| Q2 2026 | 248.35% | 248.35% | 248.35% | 90.76% | $3.4M |
New Covenant Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock New Covenant Trust Company, N.A., 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 New Covenant Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2641827)