New Republic 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 standout move of Q2 2026 was in Total risk-based capital ratio: 12.28 percentage points higher than in Q1 2026, at 33.20%. New Republic Bank ranks 6th of 26 North Carolina banks on CET1 ratio, in the upper half at 31.98% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, New Republic Bank reported 31.98% on CET1 ratio in Q2 2026, 16.90 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 31.98% |
| Tier 1 risk-based capital ratio | 31.98% |
| Total risk-based capital ratio | 33.20% |
| Tier 1 leverage ratio | 15.81% |
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 | $34.7M |
| Tier 1 capital | $34.7M |
| Total risk-based capital | $36.0M |
| Total equity capital | $37.1M |
| Risk-weighted assets | $108.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 21.01% |
| Tangible equity to tangible assets | 19.85% |
| Equity capital to average assets | 16.70% |
| Internal capital growth rate | 11.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $35.4M |
| Retained earnings | $1.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$174K |
| 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 | 19.62% | 19.62% | 20.66% | 13.80% | $95.6M |
| Q4 2023 | 18.11% | 18.11% | 19.15% | 12.51% | $99.9M |
| Q1 2024 | 17.18% | 17.18% | 18.23% | 12.42% | $102.4M |
| Q2 2024 | 15.84% | 15.84% | 16.92% | 11.51% | $108.3M |
| Q3 2024 | 15.17% | 15.17% | 16.26% | 10.91% | $110.7M |
| Q4 2024 | 13.75% | 13.75% | 14.80% | 9.52% | $119.3M |
| Q1 2025 | 13.39% | 13.39% | 14.42% | 8.59% | $120.9M |
| Q2 2025 | 13.39% | 13.39% | 14.50% | 8.08% | $119.3M |
| Q3 2025 | 12.97% | 12.97% | 14.09% | 8.40% | $119.8M |
| Q4 2025 | 18.94% | 18.94% | 20.19% | 15.69% | $171.7M |
| Q1 2026 | 19.70% | 19.70% | 20.92% | 13.95% | $170.3M |
| Q2 2026 | 31.98% | 31.98% | 33.20% | 15.81% | $108.4M |
New Republic Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock New Republic 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 New Republic Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34860) · FFIEC NIC profile (RSSD 2754222)