NexTier Bank, 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 Retained earnings: 7.6% higher than in Q1 2026, at $155.1M. NexTier Bank, N.A. ranks 56th of 72 Pennsylvania banks on CET1 ratio, in the lower half at 12.11% (Q2 2026). NexTier Bank, N.A. reported 12.11% on CET1 ratio for Q2 2026, 1.38 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.11% |
| Tier 1 risk-based capital ratio | 12.11% |
| Total risk-based capital ratio | 13.27% |
| Tier 1 leverage ratio | 9.64% |
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 | $276.8M |
| Tier 1 capital | $276.8M |
| Total risk-based capital | $303.2M |
| Total equity capital | $311.7M |
| Risk-weighted assets | $2.29B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.65% |
| Tangible equity to tangible assets | 9.32% |
| Equity capital to average assets | 10.70% |
| Internal capital growth rate | 14.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $693K |
| Common stock surplus | $162.6M |
| Retained earnings | $155.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.7M |
| 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 | 11.20% | 11.20% | 12.14% | 8.87% | $1.72B |
| Q4 2023 | 11.38% | 11.38% | 12.35% | 8.88% | $1.75B |
| Q1 2024 | 10.93% | 10.93% | 12.04% | 9.11% | $1.99B |
| Q2 2024 | 11.09% | 11.09% | 12.17% | 8.28% | $2.00B |
| Q3 2024 | 11.18% | 11.18% | 12.21% | 8.59% | $2.06B |
| Q4 2024 | 11.54% | 11.54% | 12.63% | 8.33% | $2.05B |
| Q1 2025 | 11.78% | 11.78% | 12.94% | 8.61% | $2.07B |
| Q2 2025 | 11.34% | 11.34% | 12.44% | 9.05% | $2.22B |
| Q3 2025 | 11.58% | 11.58% | 12.69% | 9.20% | $2.25B |
| Q4 2025 | 11.40% | 11.40% | 12.45% | 8.77% | $2.25B |
| Q1 2026 | 11.75% | 11.75% | 12.90% | 9.29% | $2.26B |
| Q2 2026 | 12.11% | 12.11% | 13.27% | 9.64% | $2.29B |
NexTier Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock NexTier Bank, 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 NexTier Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7900) · FFIEC NIC profile (RSSD 18827)