Newbank: 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 largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which rose 0.58 percentage points to 14.92%.
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 | 15.00% |
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 | $90.8M |
| Tier 1 capital | $90.8M |
| Total risk-based capital | — |
| Total equity capital | $90.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.63% |
| Tangible equity to tangible assets | 14.57% |
| Equity capital to average assets | 14.92% |
| Internal capital growth rate | 8.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.0M |
| Common stock surplus | $6.1M |
| Retained earnings | $79.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$835K |
| 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 | 11.67% | 11.32% | 11.26% |
| Q4 2023 | 11.45% | 11.54% | 11.48% |
| Q1 2024 | 11.50% | 11.42% | 11.37% |
| Q2 2024 | 12.00% | 11.89% | 11.84% |
| Q3 2024 | 12.31% | 12.03% | 11.98% |
| Q4 2024 | 12.66% | 12.52% | 12.47% |
| Q1 2025 | 13.23% | 13.41% | 13.35% |
| Q2 2025 | 13.86% | 13.54% | 13.49% |
| Q3 2025 | 13.73% | 13.87% | 13.81% |
| Q4 2025 | 14.18% | 14.09% | 14.03% |
| Q1 2026 | 14.35% | 14.47% | 14.41% |
| Q2 2026 | 15.00% | 14.63% | 14.57% |
Newbank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Newbank, 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 Newbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58203) · FFIEC NIC profile (RSSD 3472859)