One Bank of Tennessee: 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 biggest quarter-over-quarter change on this page was a small one: Retained earnings edged up 1.4% between Q1 2026 and Q2 2026, to $122.0M. One Bank of Tennessee ranks 24th of 71 Tennessee banks on CET1 ratio, in the upper half at 14.85% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. One Bank of Tennessee sits 1.37 points higher, at 14.85% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.85% |
| Tier 1 risk-based capital ratio | 14.85% |
| Total risk-based capital ratio | 15.59% |
| Tier 1 leverage ratio | 9.09% |
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 | $151.7M |
| Tier 1 capital | $151.7M |
| Total risk-based capital | $159.3M |
| Total equity capital | $146.5M |
| Risk-weighted assets | $1.02B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.79% |
| Tangible equity to tangible assets | 8.61% |
| Equity capital to average assets | 8.77% |
| Internal capital growth rate | 4.58% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.2M |
| Common stock surplus | $30.8M |
| Retained earnings | $122.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.5M |
| 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 | 12.75% | 12.75% | 13.35% | 7.41% | $876.3M |
| Q4 2023 | 12.84% | 12.84% | 13.38% | 7.48% | $887.6M |
| Q1 2024 | 13.07% | 13.07% | 13.64% | 7.49% | $882.3M |
| Q2 2024 | 12.68% | 12.68% | 13.25% | 7.48% | $924.0M |
| Q3 2024 | 12.47% | 12.47% | 13.06% | 7.37% | $952.8M |
| Q4 2024 | 12.80% | 12.80% | 13.35% | 7.53% | $952.3M |
| Q1 2025 | 13.30% | 13.30% | 13.89% | 7.68% | $940.0M |
| Q2 2025 | 13.53% | 13.53% | 14.13% | 8.09% | $985.0M |
| Q3 2025 | 14.35% | 14.35% | 14.99% | 8.61% | $986.7M |
| Q4 2025 | 15.04% | 15.04% | 15.72% | 8.96% | $988.9M |
| Q1 2026 | 14.73% | 14.73% | 15.43% | 9.08% | $1.02B |
| Q2 2026 | 14.85% | 14.85% | 15.59% | 9.09% | $1.02B |
One Bank of Tennessee regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock One Bank of Tennessee, 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 One Bank of Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8432) · FFIEC NIC profile (RSSD 99536)